General Insurance Questions
The campus health center has nurses and counselors. The nurses do assessments and treatment for minor injuries or illnesses. However, if symptoms indicate the possibility of something more serious or something that may require a prescription for medication, you will be referred off-campus.
The counseling offered at Student Health and Wellness is designed for short-term care. If you have need for more long-term care, we often refer off-campus. It is also possible you prefer an off-campus provider. You can meet with our mental health nurse to discuss your options as they work closely with all of the local providers.
You will need your insurance information with you when you go to your appointment with any off-campus medical provider. This includes rehab, pharmacy, emergency room, doctor’s office, chiropractor, etc.
A deductible is usually a fix dollar amount that you have to pay out of your own pocket before the insurance will cover the remaining eligible expenses. The amount can vary depending on if your provider is in the insurance network.
Example: in 2017 the student health insurance had a deductible of $100 for in-network providers. That means you would need to pay $100 of a bill before insurance would cover anything.
A co-pay is a fixed amount of money you have to pay each time you need to use your insurance plan.
Example: Physician’s visits required a $10 copay for each visit.
The Explanation of Benefits (EOB) is a statement of charges created by your insurance company, usually after you have seen a provider. It includes:
- details of services,
- healthcare provider’s charges, and
- how charges are processed by your insurance company.
A medical bill is a statement created by your healthcare provider of the amount that is owed by the patient. It can take over 30 days for you to receive the bill due to processing time and whether or not the provider had to send an appeal or documentation to the insurance carrier. The medical bill should show:
- payments made at the time of service,
- how much your insurance company paid, and
- how much you owe.
There are many possibilities.
- Did you give the provider your insurance information?
- Did the cost of the visit go to your deductible?
- Was there a co-pay for the visit?
If you wish to discuss this, feel free to make an appointment with someone at SHAW at 641-269-3230.
Dustin Smith at Ramsey Weeks Insurance, 641-236-3141, can help Grinnell College students. You can also schedule an appointment with a nurse at SHAW. You can book an appointment online or at 641-269-3230.
After college, you can always call your insurance company and your medical provider with any questions.
Yes, you must enroll in health insurance every year. This is true for when you are in college and after you leave.