Understanding school-provided insurance

Many yeshivas, seminaries, and universities include or require student insurance. It is worth understanding what you are actually getting. QUESTIONS TO ASK • Is the insurance automatic, or do I have to enroll? • What does it cover, and what does it exclude? • What is the deductible or co-pay? • Which clinics and hospitals accept it? • Does it cover pre-existing conditions? • How do I file a claim? • Does it cover me during breaks and travel? TIPS • Ask for the policy document, not a summary. Read it or have a friend read it with you. • If the school's plan is limited, consider a supplemental policy. • Carry the insurance card or policy number in your wallet and on your phone. • Know the claim deadline. Some insurers require claims within weeks. WATCH OUT FOR School insurance often covers a basic level only. Dental, vision, mental health, and chronic conditions may be limited or excluded.