USM Student Health Insurance Plan

Policy Number 724542

FAQ's   

Dental coverage now available through Cross Insurance

                           The University of Southern Maine Student Health Insurance Plan has been developed especially for University of Southern Maine students and their eligible dependents. (Eligible dependents include a lawful spouse, same or opposite domestic partners, and/or dependent children under age 19). The Plan provides coverage for illness and injuries that occur on and off campus and includes special cost-saving features to keep the coverage as affordable as possible.  Specifics about what is covered can be found at Cross Insurance.

The 2008-2009 Plan

• Coverage becomes effective 12:01 am on September 1, 2008 and will terminate 12:01 am of September 1, 2009

• Coverage purchased in the fall semester will remain in effect for the entire year.  

• New spring semester students may elect to purchase coverage which will become effective at 12:01 am January 1, 2009 and terminate at 12:01 am on September 1, 2009

Premiums

For more information about benefits, eligibility, claims processing and inpatient admission pre-certification, or to find a network provider, contact:

Cross Insurance
PO Box 3028
Lewiston, ME 04243-3028

OR, to find a network provider in your area, you may also call:

Aetna Student Health

1-800-926-8545

IMPORTANT! If you choose not to use services provided by UHS staff, services through other health providers are available.  You can locate a provider through Cross Insurance.  However, there will be a $10 office copay per visit. The student is responsible for submitting charges to Aetna Student Health for reimbursement. Referrals are not required for treatment of Emergency Medical Conditions as defined on page 25 of the insurance plan booklet or for routine GYN care.

What about referrals?

While a referral is not necessary to receive benefits, students' health care needs can be best satisfied when an organized system of health care providers at University Health Services manages the treatment. If you are enrolled in the Student Health Insurance Plans, it is to your advantage to first seek treatment at University Health Services and/or University Counseling Services to reduce your out-of-pocket expense. If you choose not to take advantage of the services provided by UHS/UCS, you will be responsible for paying charges not covered under the terms of the policy.

Please read the Summary of Benefits Booklet available at University Health Services or online at 

Cross Insurance

 to find specific information on benefits, charges, and specific policy information.