The cost of enrollment in SHIP for the 2011-12 academic year is $150.00 per semester. Coverage is in effect 24 hours per day. For students enrolled during the Fall semester, coverage will be in effect from either August 15, 2011 or the date of the premium payment (for part-time students enrolling on their own), whichever is later, until January 15, 2012. For students enrolled in the Spring semester, coverage will be in effect from either January 15, 2012, or the date of the premium payment, whichever is later, until August 15, 2012. The policy year is defined as August 15, 2011 to August 15, 2012. Generally, there is no pre-exisiting condition waiting period. SHIP does NOT cover intercollegiate athletic injuries. For information about Athletic Insurance, a secondary insurance provided to TCNJ athletes, contact Megan Guicheteau, head athletic trainer, at (609) 771-2387.
Written notice must be given to the insurance company within 90 days after loss occurs or as soon as reasonably possible. A claim form is required for filing a claim. Claim forms are available from online at www.bollingercolleges.com/tcnj.
Basic Benefits: Up to $3,000 for each accidental injury or sickness. The initial treatment must be rendered within 90 days of an accident and benefits are limited to treatment rendered within 52 weeks of the date of the accident or the date of the first medical treatment of the illness.
Major Medical coverage: After the company pays $3,000 in basic benefits for any one accident or sickness, this policy will pay 70% of the expenses incurred in excess of $3,000 up to $47,000. Expenses must be incurred within 2 years from the date of the accident or sickness.
Prescription drug expense: $300 max total for the policy year (Aug 15, 2011-Aug 15, 2012)- no co-pays. Coverage includes prescriptions for birth control.
Physician’s expense: Outpatient, limited to one visit per day, paid at the usual and customary rate, up to $80 per visit, to an $800 maximum.
Physician’s Expense: Inpatient, limited to one visit per day, paid at the usual and customary rate, up to $45 per visit, to a $700 maximum.
Hospital room and board: Semi-private room rate
Hospital inpatient miscellaneous: $3,000
Surgical expense: $100 times the unit value of the MDR allowance or $2,500 in total for all surgical operations performed for any one accident or sickness.
Day surgery miscellaneous expense: $1,500
Anesthesia expense: 40% of surgeon’s allowance.
Treatment of impacted wisdom teeth: As above – same as any sickness.
Wellness benefit: e.g., Pap smear every year, recommended vaccinations, TB testing, sexually transmitted disease screening: $230 total for the policy year (Aug 15, 2011 – Aug 15, 2012). See the SHIP brochure for more information at www.bollingercolleges.com/tcnj or pick one up in Student Health Services after August 1, 2011.
Flu Vaccination: $20
Ambulance: $300
Outpatient miscellaneous (including emergency room) $1,500
Durable medical equipment (including aircasts, crutches, joint supports): $55
Laboratory/X-Rays (per sickness): $600
X-Rays (per injury): $1,000
Maternity expense: Coverage for hospital confinement due to pregnancy, childbirth or miscarriage. Pregnancy and complications of pregnancy considered as any other sickness. A minimum stay of 48 hours for vaginal delivery and 96 hours for caesarean section. Includes newborn child.
Second surgical opinions: $80 max
Physical therapy for sickness or injury: $60 per visit/$300 max
Dental treatment when made necessary by injury: $800 total.
