Student Health Insurance
Frequently Asked Questions (FAQs)
How do I enroll?
Eligible students are enrolled automatically in PGSP student health insurance,
unless a properly completed waiver is submitted by the Waiver Deadline.
[NOTE: Leave of absence students and eligible dependents of enrolled students may
enroll by submitting an enrollment form along with payment by the Enrollment Deadline.]
How do I waive coverage?
Students who have their own health coverage and wish to waive PGSP insurance
must properly complete and submit the online waiver form
on the PGSP website with the student's own health insurance information.
The PGSP waiver form requires only the basic information of the student's own health insurance carrier name, plan number and subscriber number, and a brief description of the nature of benefits as known by the student.
What is the deadline for waiving coverage?
The deadline for submitting Proof of Coverage and Online Waiver is August 15, 2008.
Am I covered? When does my coverage end?
For questions regarding when your coverage begins and ends,
if you and/or your dependents are eligible for coverage and how
to enroll, contact Renaissance Agencies, Inc. at
1-800-537 -1777.
The company does not send renewal notices to students when
their coverage terminates. It is the student’s responsibility to
renew their insurance within 31 days after their coverage end
to avoid a lapse in coverage. You cannot renew coverage over
the phone.
Where do I get an ID card?
Your permanent ID card is attached to the brochure.
You may use this card to obtain treatment after you have
enrolled in the plan. This ID card may also be used for your
covered dependents. You will NOT be mailed a separate ID card.
If you need a replacement card, you can download one at
www.renstudent.com/pgsp.
How do I get a refund of my payment if I no longer
want the insurance coverage?
There are no premium refunds, unless the Insured enters fulltime
active military service or permanently returns to the home
country or country of regular domicile. A pro-rata refund will be
issued only upon written proof from the school.
Please allow 4 to 6 weeks for refund of premium.
What is covered under the plan?
Please refer to the insurance brochure for a list of benefits
or contact Personal Insurance Administrators, Inc. at
1-800-468-4343.
What do I have to pay?
The insured pays a $100 deductible per condition.
After you pay the deductible, the insurance company will pay 100%
for a PPO or 80% for a non-PPO for most Covered Charges. There is
also a $10 copay for each office visit. Please see the brochure for
further explanation of benefits.
What doctors can I go to?
You may use any doctor or hospital you choose, but using the doctors
and hospitals available through the First Health Network (PPO)
may decrease your costs. For a complete listing of these Preferred
Provider hospital and doctor facilities, access the internet website
www.myfirsthealth.com
or call 1-800-226-5116.
What do I do if I get sick or injured?
In the event of Injury or Sickness:
1. The Insured should obtain treatment from the nearest doctor
or hospital. You may choose any doctor or hospital, but using
the doctors and hospitals available through the First Health
Network (PPO) may decrease your costs. For a complete listing
of these PPO hospital and doctor facilities, access the website
www.myfirsthealth.com
or call 1-800-226-5116.
2. If you go to a doctor’s office or to the hospital, be sure to
show your identification card. Dependents covered under the plan
do not receive separate ID cards and may use the insured student’s
ID card to obtain treatment. If the doctor or hospital needs to
verify coverage for you or your dependents, have them call Personal
Insurance Administrators, Inc. at 1-800-468-4343.
How do I get my medical bills paid?
1. After you receive treatment, complete the insurance company claim form.
a) Claim forms are available from Personal Insurance Administrators,
Inc. or you may download a claim form from
www.renstudent.com/pgsp.
b) Be sure to include your policy number (as shown on your ID card) on the claim form.
c) Answer all the questions and be sure to sign the claim form before submitting it.
2. If you have any other expenses such as medicines,
x-rays or laboratory charges, be sure to attach these bills
to the claim form.
3. Send your claim form and all other bills to
Personal Insurance Administrators, Inc. at the address below.
Try to have all itemized bills attached to the same claim form.
a) Please do not send bills without completed claim form. Bills
cannot be considered unless all the information required on
the claim form is submitted.
b) A properly completed claim form must be submitted for each
Injury or Sickness.
4. All claim form and bills should be sent to:
Personal Insurance Administrators, Inc.
P.O. Box 6040
Agoura Hills, CA 91376-6040
5. If you have questions about the status of your
claim after it has been submitted, please call Personal
Insurance Administrators, Inc. at 1-800-468-4343.