HBCStudent.com
International Student Health Insurance Frequently Asked Questions
Colleges and Universities of Tennessee
Decisions about health insurance in the U.S. are complicated. To simplify your decision we have provided the responses to 50+ of the most Frequently Asked Questions. Please contact us if you do not find the information that you need.
Call us at 1.800.463.2317
or email Premier@hbcstudent.com
FAQ: Coverage Periods
FAQ: Cost
FAQ: Waiver Process
FAQ: How to buy
FAQ: How to Use
FAQ: Benefits and Coverage
HBC has compiled this information from public information as a resource for students seeking alternate coverage to the school’s sponsored plan. HBC specifically does not intend to imply a sponsorship or endorsement between the school and our website or company. Since Premier International is an alternative to the school’s student health insurance plan, it is advisable for the student to contact the school to ensure the Premier International meets the school’s requirement for alternate comparable coverage.
Plan Comparisons
What are the advantages of purchasing the Premier International Plan?
The Plan is designed specifically for International students.
The ease of confirming enrollment and providing the school the information to waive out of school’s planThe Plan provides affordable premiums and benefits for protection of unexpected medical costs.
The Plan provides Student Injury and Sickness Insurance coverage for International Students attending any university or community college.
International Students on an F-1 student visa are required by federal law to have health insurance and must provide proof of insurance coverage to their respective schools.
Who do I contact with questions?
Please contact:
Health Benefit Concepts by:
Telephone: 800.463.2317
Email: premier@hbcstudent.com
Seven Corners by:
Email: assist@sevencorners.com
Telephone: 1-800-335-0477 or
collect 0-317-575-2656
Where can I view the Plan (program) Summary?
Am I required to purchase the school’s plan?
No. International Students on an F-1 student visa are required by federal law to have health insurance and must provide proof of insurance coverage to their respective schools.
International students who are eligible to provide comparable coverage through another plan will be required to submit a waiver application or proof of coverage. International students should verify with their respective schools to determine their eligibility to provide comparable coverage and the deadlines to submit proof of comparable coverage.
Who do I contact with waiver questions?
International students should contact the appropriate office at their respective schools to determine their eligibility to purchase a comparable plan and waive out of the school’s sponsored plan.
Please contact Seven Corners for enrollment and verification of enrollment by:
Email: assist@sevencorners.com
Telephone: 1-800-335-0477 or
collect 0-317-575-2656
Will I receive verification of enrollment in the Premier International Plan to waive out of the school’s plan?
Yes. Seven Corners will email policy confirmation upon completing the enrollment process, and assist in the completion of the school waiver form and return to the student or school.
My school requires the insurance company to complete and return a Compliance/Waiver Form as proof of comparable insurance coverage. Who should I contact?
Seven Corners will assist in the completion of the school waiver form and return to the student or school.
Please fax or email the form for completion.
Email: assist@sevencorners.com
Telephone: 1-800-335-0477 or
collect 0-317-575-2656
Fax: 317-575-2256
Are school administrators able to contact Seven Corners to confirm my enrollment in the plan?
Yes. Seven Corners will provide the capability to electronically verify enrollment?
Process for Enrolling
Am I eligible for this plan?
International Students, under the age of 66, who are temporarily residing outside their Home Country. The Insured must remain engaged in educational activities outside their Home Country during the Period of Coverage Education or research activities shall mean the Insured: 1) is enrolled and participating in an educational, vocational, cultural exchange, or training programs; and 2) has a valid J-1, H-3, F, M, or Q Visa.
Are my dependent eligible for this plan?
No.
How do I enroll and pay for the plan?
Eligible students are able to enroll and pay by clicking here.
Does the Plan have an open enrollment period?
Yes.
Enrollment is only allowed during the first 31 days of the Fall Enrollment Period and the first 31 days of the Spring/Summer Enrollment Period. The only exceptions are:
1. Enrolling as a new or transfer Student (within 31 days of date of enrollment at the University).
2. Within 31 days of ineligibility under other Creditable Coverage and accepted and used up
COBRA continuation coverage or similar state coverage if it was offered.
PREMIUMS PAID WITHIN OPEN ENROLLMENT PERIODS ARE NOT PRO-RATED
Can I enroll after the open enrollment period?
No.
Will I receive a receipt upon enrollment?
No. Your canceled check or credit card statement is your receipt and proof of coverage.
Will I receive an identification card upon enrollment?
Yes. Seven Corners will provide identification cards electronically. Please contact Seven Corners should you have any questions by:
Email: policy@sevencorners.com
Telephone: 1-800-335-0611 or
collect 0-317-575-2652
Will I receive a copy of the policy?
No. Individual policies will be not issued. In the event of a claim dispute, the Master Policy will prevail. Please keep this brochure as a general summary of the insurance.
When can I get a refund?
Seven Corners will only refund your Plan Cost if a written request is received prior to the Plan’s effective date. If written request is received after the Effective Date of Coverage, the unused portion of the plan cost may be refunded minus a cancellation fee, provided no claim has been submitted to Seven Corners for reimbursement.
Will I receive notification to re-enroll for continuous coverage?
Yes. Seven Corners will provide notification to enroll electronically. Please contact Seven Corners should you have any questions by:
Email: policy@sevencorners.com
Telephone: 1-800-335-0611 or
collect 0-317-575-2652
Does the plan have a grace period to enroll without a lapse of coverage?
No. Seven Corners will provide notification to enroll electronically. It is the Covered Person’s responsibility to maintain continuous coverage.
How do I verify enrollment in the plan?
Receipt of premium can be verified by contacting Seven Corners by:
Email: assist@sevencorners.com
Telephone: 1-800-335-0477 or
collect 0-317-575-2656
The plan is based on monthly payments. You are able to purchase a combination of monthly periods (coverage) to meet your school’s required enrollment periods (Fall, Spring and Summer Semesters). Please check with your school to verify the required coverage periods to enroll in the plan to become eligible to enroll in school.
How long of a time period am I covered?
Policy Period cannot exceed 12 months.
Renewability: Any one policy period may not exceed (12) months. This plan may be renewed up to a maximum total of (48) forty-eight continuous months. If there is a lapse in coverage for any reason, coverage may not be renewed. Coverage must be separately rewritten under a new certificate.
Period of Coverage
For each Insured Person benefits will begin on the latest of the following:
1. The Plan Effective Date;or
2. The moment you depart your Home Country; or
3. 12:01 am Standard Time on the date indicated on the Application; or
4. 12:01 am Standard Time on the date of receipt of premium by Seven Corners; or
5. The date requested on the Application.
For each Insured Person benefits will terminate on the earlier of the following:
1. Your return to your Home Country; or
2. 12:01 am Standard Time on the date shown on the ID Card, for which plan premium has been paid; or
3. 12:01 am Standard Time on the date you are no longer an eligible Participant under this Plan; or
4. The date the Plan is cancelled.
Home Country shall mean the country where an Insured Person has his or her true, fixed and permanent home and principal establishment.
Will I receive notification to re-enroll for continuous coverage?
Yes. Seven Corners will provide notification to enroll electronically. Please contact Seven Corners should you have any questions by:
Email: policy@sevencorners.com
Telephone: 1-800-335-0611 or
collect 0-317-575-2652
Cost/Payment
How much does the plan cost?
The premiums depend upon the length of coverage.
Premier International
Student Age
Student
Monthly PremiumAnnual (12 payments)
0-24
$45
$540
25-29
$66
$792
30-34
$84
$1,008
35-39
$118
$1,416
40-44
$149
$1,788
45-49
$161
$1,932
50-54
$299
$3,588
55-65
$359
$4,308
How do I pay?
Eligible students are able to enroll and pay by credit card by clicking here.
How do I know that the company received my premium payment?
Receipt of premium can be verified by contacting Seven Corners by:
Email: assist@sevencorners.com
Telephone: 1-800-335-0477 or
collect 0-317-575-2656
Where can I view the Plan (program) Summary?
What are the plan’s deductibles?
The plan includes the following deductibles per Injury or Sickness:
Premier International
Deductible (per Injury or Illness)
$250 maximum per Policy Year
Student Health Center
$0
Preferred Provider Organization (PPO)
$50 if not first treated by the Student Health Center (or if there is not Student Health Center)
Out of Network
$150
What are the maximum benefits and coverage?
SCHEDULE OF BENEFITS
All Coverage and Benefits are in U.S. Dollar Amounts
Accident and Sickness Medical Maximums Per Accident or Sickness and Annual Maximum
$250,000 per Insured
Deductible – Per Injury or Illness
In Network or Outside the U.S.: $50 if not first treated by the Student Health Center (of if there is no Student Health Center)
Outside Network: $150 $0 if first treated by the Student Health Center $250 Maximum per Policy Year
Prescription of Medicine Co-Pay
$10 for Generic and $20 for Brand Name
Coinsurance
In Network or Outside the U.S. 80% to $25,000, then 100% to plan Maximum.
Outside Network: 70% to plan Maximum.
Benefit Period
Covered Expenses incurred during the Period of Coverage
Maternity
Covered as any other illness. Conception must occur after the Effective Date of the Covered Person’s coverage.
Therapeutic Termination of Pregnancy
$500
Mental Illness and Alcohol & Drug Abuse
Students studying in the U.S.: $10,000
Lesser of U.R.C. for the first 30 days of hospital confinement per Policy Year or 90% of U.R.C. up to limit of $10,000 in the U.S.
Dental (Emergency)
$250 per tooth to a maximum of $1,000
Emergency Medical Evacuation
$500,000
Repatriation of Mortal Remains
$100,000
Emergency Reunion
$2,500
Accidental Death & Dismemberment
$5,000 per Insured
Chiropractic
$1,000 per Policy Year, $35.00 per visit up to 3 visits per week.
Assistance
24 hours – Worldwide
Unless otherwise mentioned, deductibles, co-pays, coinsurance and benefits are considered on a Per Injury/Sickness basis.
What are the plan’s maternity benefits?
Maternity is treated as any other illness. Conception must occur after the Insured’s effective date of coverage.
What are pre-existing conditions?
Pre-existing Condition shall mean Any Injury or Illness which meets the following criteria: a) condition(s), including any associated complications or consequences, which manifest during the 6 months prior to the Effective Date of coverage under this policy; (b) condition(s) that would have caused a person to seek medical advice, diagnosis, care or treatment, including any associated complications or consequences, during the 6 months prior to the Effective Date of coverage under this Policy; (c) condition(s) for which medical advice, diagnosis, care or treatment was recommended, received, or noticed, including any associated complications or consequences, during the 6 months prior to the Effective Date of coverage under this Policy.
Does the plan cover pre-existing conditions?
No. Pre-existing Conditions are not covered for the first six months following a Covered Person's effective date of coverage under the Policy.
Are pre-existing conditions covered after the Covered Person has been covered under the Premier International Plan for more than twelve consecutive months?
Yes. Pre-existing conditions will be covered after the Covered Person has been covered under the Premier International Plan for more than six consecutive months.
Does the plan pay for outpatient prescriptions?
Yes. After the deductible has been satisfied, outpatient prescription drugs for a covered Injury or Sickness are payable $10 co-payment for generic and $20 co-payment for brand name.
Does the insurance plan include vision and dental benefits?
Vision: The plan does not include vision benefits.
Emergency Dental Treatment: (Injury only Benefits are paid for Reasonable and Customary expenses in excess of the Deductible and Coinsurance of $250 per tooth up to a maximum of $1,000, for the emergency repair or replacement to sound, natural teeth damaged as the result of a Covered Accident.
Does the insurance plan include Medical Emergency Expense benefits?
Yes. Expenses for a covered medical expense include use of the emergency room and supplies.
Does this plan cover health related conditions when I am out of the country?
Yes. For a list of participating facilities and doctors in Seven Corners' International Network, access our exclusive Wellabroad.com website.
WellAbroad/A Service of Seven Corners, Inc.
303 Congressional Blvd
Carmel, IN 46032 USA
Web Sites: www.wellabroad.com
Telephone: 800-335-0611 or 317-575-2652
Fax: 317-575-2659
WellAbroad offers medical, political and cultural information and includes many benefits and educational resources, such as: text messaging alerts, provider network directory and online forums.
What benefits and limitations are excluded from Coverage?
A list of benefits and limitations excluded from Coverage is listed in the brochure. See brochure for complete list.
Does the plan provide chiropractic benefits?
Yes. Benefits shall be paid for Spinal Manipulation which is prescribed, performed, or ordered by a licensed chiropractor for the relief of pain. $1,000 per Policy Year, $35.00 per visit up to 3 visits per week.
Does the plan provide medical evacuation, repatriation and emergency medical reunion benefits?
Yes.
Medical Evacuation: $500,000
Repatriation: $100,000
Emergency Medical Reunion: When the Assistance Company and your attending Physician determine that it is necessary and prudent for you to have an Emergency Medical Evacuation or Repatriation, this Plan will arrange
to bring an individual of your choice, from your current Home Country, to be at your side while you are hospitalized and then accompany you during your return to your current Home Country. Benefits will be paid up to $2,500 for a round-trip economy airfare ticket as well as for reasonable travel and accommodation expenses up to a maximum of ten (10) days, as preapproved and arranged by the Assistance Company.
Who do I contact with questions and customer service?Please contact:
Health Benefit Concepts by:
Telephone: 800.463.2317
Email: premier@hbcstudent.com
Seven Corners Customer Service by:
Email: assist@sevencorners.com
Telephone: 1-800-335-0477 or
collect 0-317-575-2656
The Customer Service Center is available at
877-444-5012 (8:00 am to 5:00 pm EST).Seven Corners has a well-trained, multi-lingual dedicated customer team that provides helpful support to students 24/7 for emergency assistance.
How do I get another identification card?
Seven Corners will provide replacement identification cards by mail. Please contact Seven Corners should you have any questions by:
Email: policy@sevencorners.com
Telephone: 1-800-335-0611 or
collect 0-317-575-2652
Does the Plan require a Student Health Center referral for services rendered outside the Student Health Center?
No.
What should I do if the student health center is closed or I am away from school?
You are covered anywhere in the world, 24-hours a day. You should consult a medical professional and follow his or her advice. You should seek out a First Health/Coventry Health Care PPO provider if you are traveling in the United States by contacting:
Email: assist@sevencorners.com
Telephone: 1-800-335-0477 or
collect 0-317-575-2656
PPO Web site: http://www.sevencorners.com/networkproviders/insuredproducts/
Can I choose any physician and hospital?
Yes: Persons insured under this plan may choose to be treated within or outside of the Seven Corners PPO Network. Reimbursement rates will vary according to the source of care as described under the Plan Schedule of Benefits herein. Assignment of a Network Provider does not guarantee eligibility or right to student health benefits. Please be aware that if a Covered Person is treated at a PPO Hospital, it does not mean that all providers at the Hospital are PPO providers.
In addition, if a Covered Person is referred by a PPO provider to another provider or facility, it does not mean that the provider or the facility to which the Covered Person is referred is also a PPO. For the most current list of network providers, check the Seven Corners website at www.sevencorners.com/networkproviders. It is the Covered Person’s responsibility to verify that a provider is a Participating Provider prior to services being rendered.
Is my physician and hospital in the Plan’s PPO networks?
Preferred Providers in your local school area are Hygeia Hospitals and Physicians. The availability of specific providers is subject to change without notice. You should always confirm that a Preferred Provider is participating at the time services are required by contacting:
Web site: sevencorners.com
Email: assist@sevencorners.com
Telephone: 1-800-335-0477 or
collect 0-317-575-2656
PPO Web site:
http://www.sevencorners.com/networkproviders/insuredproducts/
How do I fill and pay for prescriptions?
You are able to fill you prescription at the student health center (if available) or any pharmacy. After the deductible has been satisfied, outpatient prescription drugs for a covered Injury or Sickness are payable $10 co-payment for generic and $20 co-payment for brand name.
Does the plan include deductibles?
The plan includes the following deductibles per Injury or Sickness:
Premier International
Deductible (per Injury or Illness)
$250 maximum per Policy Year
Student Health Center
$0
Preferred Provider Organization (PPO)
$50 if not first treated by the Student Health Center (or if there is not Student Health Center)
Out of Network
$150
Do I have to pay when I visit the doctor?
Hygeia providers should file the claim. However, each provider has their own specific payment policy. You should always confirm that a Preferred Provider is participating at the time services and inquire on payments.
PPO Web site
http://www.sevencorners.com/networkproviders/insuredproducts/
What do I do if I am out of the country?
You are covered anywhere in the world, 24-hours a day. You should consult a medical professional and follow his or her advice. You should seek out a PPO provider if you are traveling outside the United States by contacting:
Email: assist@sevencorners.com
Telephone: 1-800-335-0477 or
collect 0-317-575-2656
How do I know if an illness or injury is covered?
Coverage can be verified by contacting Seven Corners by:
Email: assist@sevencorners.com
Telephone: 1-800-335-0477 or
collect 0-317-575-2656
Is Pre-Notification of hospital admissions required?
Yes. Seven Corners should be notified of all Hospital Confinement prior to admission.
Email: assist@sevencorners.com
Telephone: 1-800-335-0477 or
collect 0-317-575-2656
Pre-Notification: For each scheduled hospital admission, emergency hospital confinement, or Outpatient Treatment, you or someone on your behalf must contact the Assistance Company for pre-notification as soon as possible, but no later than forty-eight (48) hours prior to the admission to a the hospital, hospital confinement or Outpatient Treatment. For Emergency hospital Confinement, you or someone on your behalf must notify the Assistance Company as soon as possible, but not later than forty-eight (48) hours after the date of admission. If you fail to pre-notify with the Assistance Company, Covered Expenses will be reduced to and payable at 50% after the Deductible. Pre-Notification does not guarantee or confirm benefits or the payment of said benefits
How do I obtain a Certificate of Coverage?
Certification of Coverage request should be direct to Seven Corners by:
Coverage can be verified by contacting Seven Corners by:
Email: assist@sevencorners.com
Telephone: 1-800-335-0477 or
collect 0-317-575-2656
How do I file a claim?
Claims Services:
Important Note: Claim forms and receipts for medical expenses must be sent to Seven Corners quickly.
Claim submissions must be made within ninety (90) days after the Date of Service. If claims are received after ninety (90) days, they may be considered ineligible.
To report claims or verify eligibility, send the original bills and claim forms to Seven Corners, or call or fax to the numbers below. Be certain to include your ID# shown on the ID Card with all correspondences:
Seven Corners, Inc.
303 Congressional Blvd.
Carmel, IN 46032
Email: claims@sevencorners.com
Telephone: 800-335-0477 or 317-575-2256
Fax: 317-575-2659
How do I check the status of my claim?
Status of claim is available by contacting Seven Corners by:
Email: claims@sevencorners.com
Telephone: 800-335-0477 or 317-575-2256 / Fax: 317-575-2659
How do I understand the Explanation of Benefits received for payment of claim?
Assistance with understanding the Explanation of Benefits is available by contact Seven Corners by:
Email: claims@sevencorners.com
Telephone: 800-335-0477 or 317-575-2256
Fax: 317-575-2659
How do I appeal my claim?
Claims Appeals must be received in writing with supporting medical information. Appeals are addressed within 30 days after receipt. You may submit your written appeal to:
Seven Corners, Inc.
Attn: Claims
303 Congressional Boulevard
Carmel, IN 46032 USA
Fax: (+01) 317-575-2256
Email: claims@sevencorners.com
Does the Plan provide Travel Assistance services?
Yes. To receive assistance worldwide, call Seven Corners Assist at the numbers below and provide them with
your ID Number.
For Emergency Medical Evacuation, Return of Remains, Emergency Reunion, Assistance Services, call:
If in the United States or Canada: 1-800-690-6295; or
If outside the United States or Canada: 1-317-818-2808 (collect)
Medical Evacuation* and Repatriation:$1,000,000 combined maximum benefit (Pre-Authorization required: 1-888-722-1668) *When hospitalized for at least 5 consecutive days.
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