Health Insurance / Frequent Asked Questions

Please scroll through the four sections within our Health Insurance FAQ.

  1. Enrollment
  2. How to Use the Plan
  3. Payment / Refund
  4. Claims
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Enrollment

  • I am a domestic student. How can I enroll in the plan?
    Send a request with your full name and ID number to admiss@cgu.edu before the end of the add/drop period for the semester (roughly first 2 weeks of classes).
  • I am an international student. Am I already covered?
    Yes. All international students are automatically enrolled in the plan.
  • I am an international student and want to have my own insurance. What should I do?
    Please follow the instructions to opt out of insurance at www.cgu.edu/healthinsurance. You must opt out by the end of the add/drop period (roughly first 2 weeks of classes).
  • The add/drop deadline has passed. Can I still add or drop insurance?
    No. Requests to be added into or taken out of the plan must be received by the end of the add/drop period for the new semester (roughly first 2 weeks of classes).
  • I am a domestic student. How can I opt out of the plan?
    If you had previously requested to be included in the plan, please send a request with your full name and ID number to admiss@cgu.edu before the end of the add/drop period for the semester (roughly first 2 weeks of classes). If you never requested to be a part of the plan, you are not automatically enrolled.
  • Do I need to re-enroll every semester? Every year?
    No. Once opted into the plan you remain enrolled for as long as you are a CGU student, unless you opt out.
  • I want to enroll my dependents in the plan. How can I do this?
    Dependents must be directly enrolled through the insurance company. You will need to fill out the enrollment form found in the brochure. Brochures are available in the Student Affairs lobby or you can download the enrollment form online. You must be enrolled in the plan to cover your dependents. Dependents may be added at any point in the semester, provided they are insured within 30 days of their arrival to the US (i.e. in the case of international students), but will be charged for the entire semester rate.
  • It is the start of the semester and the add/drop period has not been reached. The insurance company says I am not on their list. What can I do?
    Insurance lists for the semester are sent at the end of the add/drop period. Though a temporary list is provided at the end of the previous semester's eligibility date, if you have not enrolled during this time, your name may not be on the list. You can visit Student Health as you normally would and use the temporary insurance card found on the back of the brochure (available in the Student Affairs lobby or online) as proof of insurance. Visits to an outside doctor's office will be billed to you directly. You can pay the bill and then submit the receipts and claim form to the insurance company for a refund (please see below); if the bill is over what you can reasonably afford to pay, you may submit an invoice to the insurance company. Students urgently needing to fulfill prescriptions should contact admiss@cgu.edu.
  • I am an international student and this semester will be my last semester. However, I will remain in the country on F-1 OPT/J-1 Academic Training. Can I purchase insurance coverage?
    Yes, but you will need to purchase this directly through the insurance company by submitting the enrollment form, a check, and a letter of verification from the International Office regarding your OPT dates. Please contact international@cgu.edu with your request for this letter.

How to Use the Plan

  • What is covered by the plan? Is it an HMO or a PPO?
    Please review the coverage details of the plan in the PDF brochure available below. Brochures are available in the Student Affairs lobby or online. The plan is a PPO, but requires that you visit the Student Health Center first, when at all medically possible, to obtain full benefits (please download documents below).
  • Does the plan cover vision/dental?
    No. You will need to purchase an independent plan for these and may be interested in the dental/vision plan offered at www.renaissance-inc.com/Students.
  • I am not feeling well. What should I do?
    To obtain 100% coverage you must visit Student Health Services FIRST anytime you need medical care (emergencies excepted). Call 909 621-8222 to make an appointment at Student Health Services to avoid the $10 walk-in fee.
    Very Important: If Student Health is open, and you bypass them and go directly to see another doctor, the insurance company will only cover 70% of the bill, regardless of if the doctor you visit is approved by the insurance plan or not. In addition, your $100 deductible will apply (meaning you will be responsible for the first $100 that you spend in that calendar year; please see the brochure for additional information).
  • The Student Health Services office is closed. Can I see another doctor? Will this visit still be covered?
    If Student Health is closed (they are closed on the weekends and during the summer semester) you may go directly to see another doctor. To choose a doctor approved by our plan, please visit www.myfirsthealth.com or call 1 800 226-5116. As long as you go to a doctor listed on the website its considered "in-network" meaning the insurance company will cover 90% of the bill. Your deductible will be waived in this case.
  • The Student Health Services office cannot assist me. Can I see another doctor? Will this visit still be covered?
    If Student Health is unable to assist you they will refer you to see another doctor. It is a good idea to verify that the referral is for a doctor that is currently approved by our plan (as this can change without notice) by visiting www.myfirsthealth.com or calling 1 800 226-5116. As long as you go to a doctor listed on the website its considered "in-network" meaning the insurance company will cover 90% of the bill. Your deductible will be waived in this case.
  • I do not want to visit the Student Health Center and do not want to use a doctor listed on the plan. Will I still be eligible for coverage?
    Yes, but any expenses incurred will be covered at 70%, and the $100 deductible will apply (meaning you will be responsible for the first $100 that you spend in that calendar year; please see the brochure for additional information).

Payment / Refunds

  • What is the cost of the insurance plan?
    Please see the fee structure listed at www.cgu.edu/healthinsurance or download documents below.
  • Why is the Spring semester more expensive compared to Fall?
    The Spring semester insurance charge covers you for spring AND summer (8 months; instead of 4 in the Fall). It is the same cost per month.
  • How can I pay for my insurance coverage?
    Your Student Account (viewable through your Portal) will automatically be billed for student insurance (if you are enrolling yourself or your dependents directly through the insurance company you will need to submit a check with your enrollment forms). If you are in a payment plan, the total amount will be split with the rest of your account balance. If you have already paid your bill at the time of enrollment, you will need to make another payment to Student Accounts for the new balance.
  • I am currently enrolled in the plan and the Spring semester will be my last semester. Can I obtain a refund for the summer portion?
    No. Refunds for unused portions are not available.
  • I am an alumnus or will not be registering for classes this semester. Can I still be covered?
    No. This plan is available for students only.
  • I will be on a Leave of Absence this semester. Will I still be enrolled?
    Students on a Medical Leave of Absence who are enrolled in the plan will continue to remain in the plan for that semester. If you will be on a leave of absence and do not wish to be covered, you must opt out by the end of the add/drop period.

Claims

  • I visited a health care professional and have a bill. Must I pay this bill?
    Anytime you visit Student Health Services, and in many doctors' offices, they will not bill the insurance company directly. Instead, they will bill you, you will pay the bill up front, and then submit a Claim Form with your receipts for a refund. This process is detailed in the Quick Reference Guide published in the back of the brochure (available in the Student Affairs lobby or online).
  • What if my bill is outside of what I can reasonably expect to afford?
    If you cannot reasonably be expected to pay the bill out of pocket, you can directly submit a Claim Form with your invoice for processing. This process is detailed in the Quick Reference Guide published in the back of the brochure (available in the Student Affairs lobby or download from the bottom of this page).
  • Where can I obtain a claim form?
    You can obtain the claim form at www.renaissance-inc.com/Students.
  • How long does it take for the claim to be processed?
    Generally, you will receive a refund within 4-6 weeks.
  • The insurance company sent me a letter saying that they I owe for a portion of my bill. What can I do?
    Ensure that you followed all processes required to obtain 100% (or 90%) coverage, as listed under How To Use the Plan, and submitted a claim for an injury/illness that is covered by the plan. If you do not agree with the insurance company's rendering of your situation, you may contact them directly at 1 800 468-4343.

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Health Insurance Summary download pdf

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