Q: Is there a deductible?
A: There is no deductible. However, the first visit for outpatient treatment of a Sickness is not covered. Benefits for Doctor nonsurgical treatment begins with the first visit when Hospital confined; or for outpatient treatment of an Accident.  [Back To Top]

Q: Is maternity covered?
A: Maternity expenses ARE COVERED. The benefits are paid like any other "Sickness". Conception must occur while coverage is in effect, unless mandated otherwise by your state.  [Back To Top]

Q: Is there a list of Doctors or Hospitals I must use?
A: No. You may go to any Doctor or Hospital of your choice.  [Back To Top]

Q: Who can enroll?
A: Any full-time or part-time student registered and attending a state-accredited college or university that has selected the Sentry Student Security Plan is eligible to enroll. There are no restrictions based on the number of credit or non-credit scholastic hours.  [Back To Top]

Q: Do I pay the Doctor's office up-front?
A: Most Doctor's offices will expect you to pay up front for their services. Sentry Insurance will reimburse you for covered charges. You need to complete a claim form in full for each Accident or Sickness.  Checks for benefits will automatically be sent to your medical provider unless you submit a signed statement requesting that payment be made to someone else.  [Back To Top]

Q: What will I receive from you when I enroll? When will I receive it?
A: On the day we receive your completed application and check for the correct premium, we will send you a letter of confirmation and an Outline/Certificate of Coverage. The Outline/Certificate also has a claim form and an ID card.  [Back To Top]

Q: Can I have this insurance over the summer when I am not in school? What if I leave school?
A: Yes. The attendance requirement will be waived for a four month period if immediately following a covered four month period. This means that you may maintain your coverage during the summer or any other four month absence. Students attending schools in Arizona, Nevada and Utah should call for details.  [Back To Top]

Q: What is the difference between Plan I and Plan II?
A: The difference between Plan I and Plan II is the amount paid by Sentry Insurance in the event of a claim. For example, Plan I pays $200 per day for Hospital Room & Board. Whereas, Plan II pays $400 per day for Hospital Room & Board. The Total Maximum Benefit for each Accident or each Sickness under Plan I is $10,000, under Plan II it is $50,000. The premium rates are also different.  [Back To Top]

Q: Does this plan cover prescription drugs?
A: No, but you may purchase an optional prescription drug discount card. This card offers discounts up to 40% on name brand and generic prescription drugs at over 45,000 participating pharmacies. Sentry Insurance A Mutual Company or any of its subsidiaries, underwriters of the Sentry Student Security Plan, are not affiliated with MemberHealth, Inc.  [Back To Top]

Q: How soon can my coverage begin?
A: Your coverage can begin on the date you select on your enrollment form, as long as we receive your completed enrollment form and correct premium on or before that date. If no date is selected or it is received after the date you selected, the effective date becomes the date it is received in our office.  [Back To Top]

Q: Is there a waiting period before my coverage will start?
A: No, it will begin when we receive your application and premium (if you request immediate coverage).  [Back To Top]

Q: Will I be covered while I am overseas?
A: Yes, unless you are an international student seeking treatment in your home country or country of regular domicile. Limitations may apply, please refer to The Policy.  [Back To Top]

Q: Are there any refunds?
A: No premium refunds are payable except when an Insured enters the Armed Forces at which time a pro-rated refund will be made upon request.  [Back To Top]

Q: If I transfer schools, will I still be eligible to continue under this plan?
A: Yes, you may continue as long as you transfer to a state-accredited school in the same state. If you transfer to a different state or transfer to a school located in Kansas, Michigan, New York or Oregon, please contact us.  [Back To Top]

Q: How long can I use this plan after graduation?
A: You are eligible for 8 months following graduation. Except in Arizona, Nevada and Utah.  [Back To Top]

Q: Will you fax the insurance information to my school?
A: Yes, if you find that you need proof of insurance immediately, please send the Fax # and contact person with your application or renewal payment.  [Back To Top]

Q: Does this insurance cover sports activities?
A: No, participating in any interscholastic sport, traveling to or from such a sport, or practicing for such a sport is not covered. However, intramural sports are covered.  [Back To Top]

Q: Will I get a bill when my coverage terminates?
A: Yes, approximately one month before your termination date, we will send you an invoice. At the end of the policy year (August 1), a new brochure (enrollment form) will be sent to your billing address.  [Back To Top]

Q: What is the catastrophic option?
A:The catastrophic (CAT) option increases the Plan II Policy Maximum for each Accident or Sickness to $100,000. This option is presently not available to students attending schools in Pennsylvania.  [Back To Top]

Q: How does the dental plan work?
A:First of all, there is a $50 deductible per policy year. The student is eligible for Class I services as soon as they start The Policy. Class I services are paid at 80%. Then, after 6 months of continuous coverage, the student is eligible for Class II services at 50%. The total maximum benefit for the policy year is $1000.  [Back To Top]

Please refer to the Master Policy or your evidence of insurance for details of benefits and provisions.