Health

Health Insurance

All Indiana Tech students are required to have health insurance either through the sponsored program or have to purchase the Indiana Tech’s health insurance plan. Fees for the student health insurance plan coverage are charged to your student account, along with your tuition. Indiana Tech’s health insurance meets the U.S. federal mandate for student health insurance by the Department of Health and Human Services addressing the Patient Protection and Affordable Care Act (PPACA). This student health insurance plan meets the obligatory coverage requirements and has many of the benefits your future employer may have, making this a plan with good health coverage.

Please keep one of the two insurance cards that you receive in your wallet or purse in case of emergency. Keep the other card in a safe place so that it can be used if the other card is lost.

You will want to check your health insurance plan to ensure that these urgent care/hospital facilities are covered by your plan. Indiana Tech’s health insurance does not have a specific network of hospitals or doctors, so you can go just about anywhere.

For questions, please contact the Business Office: 1.800.937.2448 ext. 3102 or BusinessOffice@indianatech.edu

Medical Services

Seeking Treatment

If you have the flu, a sprain or minor cut, you can go to an urgent care center, walk-in clinic, on-campus nurse or doctor’s office for a fraction of the cost of the emergency room. It is important to reserve the emergency room for real emergencies.

The best place to start is your on-campus health center or clinic. These clinics are typically free, are close and convenient, and even if you end up having to go somewhere else later, will save you money under most insurance plans. Other convenient options are walk-in clinics or urgent care centers. They can cost a bit more than a doctor’s office, but much less than an emergency room, and typically accept a wide variety of insurance plans.

What To Expect at a Doctor’s Office

Before you see the doctor…

• Check in at the Front Desk and Bring Identification.
• You must show valid photo identification, which can be a driver’s license, passport, or student ID card.
• Please bring your current insurance card.
• Have a clear idea of what you would like the doctor to help with.
• Know and write down your symptoms, the order in which they appeared, and anything that makes them better or worse.
• Write down any other health concerns you might want to discuss with your doctor.
• Have a list of any allergies, especially concerning medicine or food, that the doctor or nurse needs to be aware of.
• Follow the doctor’s advice.
• If you receive a prescription, take it to the nearest pharmacy so you can purchase your medication.
• Call your doctor’s office if you don’t understand any of the instructions.
• Call and tell your doctor or nurse if you feel worse or have other problems or side effects from any medicines after the visit.
• If you have an appointment for a follow-up visit, keep the appointment.

Submitting an Insurance Claim

After you visit the doctor for an illness, accident or injury, it is likely that you will need to complete a claim form for your insurance company. The claim form is used to inform the insurance company of your recent medical visit. Based on your claim form and the medical bills provided, the insurance company will determine if you will be reimbursed for money spent or if your insurance company will cover some of the medical fees (if eligible) associated with your recent visit.

• Keep all your receipts and documentation: Ask for a receipt every time you pay for a medical service. You will need to include these with your claim form.
• Download an official claim form: Visit your insurance web page to assess your claim form.
  • International Medical Group: www.imglobal.com
  • Wellfleet Student: wellfleetstudent.com
  • Make sure you include all the important information about your illness or injury. Try to include as much detail as possible.
  • Don’t skip any questions. The insurance company will not process a claim that is incomplete. If you are unsure about how to answer a question, contact your insurance provider.
  • Sign the form. A claim form without a signature will not be processed.
• Attach all invoices and receipts to the claim form: Include the original invoices, bills, and receipts with your claim form.
• Keep a copy for your records: Make a photocopy of the completed claim form and all bills, invoices, and receipts. Keep them together in a folder or envelope, so you know exactly what you sent.
• Mail, fax, or email everything to the correct address: Your insurance company should include information on how claims are submitted, including a mailing address, fax number, or email. If you can submit your claim by fax or email, we recommend taking advantage of this so that your claim form will be processed quicker and you can keep the original documentation.
• Wait: Now that you have submitted your claim, there is nothing to do but wait. Keep an eye on your calendar, remembering the date you sent your claim form and documentation. Most claims are normally processed within 30 business days.
  • Once your claim is processed and reviewed. You will receive an Explanation of Benefits (in the mail) that explains what the insurance company will or will not pay for.
    *Any remaining balance will be your responsibility to pay for. The Doctor office or clinic will send you a separate bill.
  • If you don’t receive payment or an update for your claim within the time frame that was given to you:
    • Contact your insurance company and let them know.
    • When you speak to someone, inform them of your name, have your insurance card with you and the date of when you submitted your claim. Also, let them know if you mailed, faxed, or emailed your claim form. This information will allow the insurance company to search for and give you an update on your claim.