KnightCare Coverage and Benefits

Resources

Student Insurance

Immunizations

Health Center

The Student Health Insurance Plan (KnightCare) offered through Calvin College is a comprehensive health insurance plan designed with a student's needs and budget in mind. Most important, KnightCare gives students access to an extensive network of health care providers practicing in the Grand Rapids area, as well as nation-wide.

KnightCare is endorsed by Calvin College, and administered by StudentResources, a United HealthCare Insurance Company. For more information about this plan, check out our Frequently Asked Questions.

When Coverage Begins
Spring coverage starts at 12:01 am on January 1, 2008, and continues through 12:01 am on August 15, 2008. KnightCare Premium for Spring coverage is $585.00.

Annual coverage for the 2008-09 academic year will begin at 12:01 am on August 15, 2008, and continues through 12:01 am on August 15, 2009. KnightCare Premium for Annual Coverage is $973.00.

KnightCare Features and Benefits
One major benefit of the KnightCare student health insurance plan is that visits to the Health Center on campus are completely covered. We strongly encourage students with KnightCare to visit Health Services first for their medical needs. There are no visit co-pays or deductibles to worry about here.

The chart below shows how KnightCare pays benefits for the major types of health care expenses off-campus. You can see the difference in your cost when you use preferred providers.

Type of Service or Supply	Benefit Level
Aggregate Maximum	$50,000 per Accident or Illness
Individual Plan Deductible per year (Does not apply to lab work)	$100
	Preferred Care	Non-Preferred Care
Physician's Office Visit Expenses (Following a $10 co-pay per visit) Benefit is limited to $65 per visit up to 10 visits per policy year	Plan pays 80%	Plan pays 60%
Inpatient Hospitalization Expenses	Plan pays 80%; Maximum Benefit of $400 per day	Plan pays 60% Maximum Benefit of $400 per day
Emergency Room Expenses; Maximum benefit of $5,000 per accident or illness	Plan pays 80%	Plan pays 60%
Outpatient Mental Health Expenses* (Following a $10 co-pay per visit)	Plan pays 80%	Plan pays 60%
Prescription drugs**	Plan pays 100%	Plan pays 100%

*All Outpatient Mental Health is subject to an aggregate maximum benefit of $1,000 following a $10 co-pay per visit.
**Prescription Drugs are covered with a $15 per prescription co-pay for generic prescription drugs and a $25 per prescription co-pay for brand-name prescription drugs up to a $1,000 Policy Year maximum.

Other Important Features and Benefits
Global Emergency Medical Assistance
Accidental Death and Dismemberment Benefits
Emergency Medical Evacuation and Return of Mortal Remains
StudentResources Online Services

Getting Enrolled
It is easy to enroll in the Student Health Insurance Plan. Simply fill out an enrollment form or contact our Immunizations and Insurance staff at (616) 526-6568. Coverage may also be purchased for spouses and dependent child(ren) under age 19.

Filing Claims
On-Campus: Charges for visits to Health Services will be billed directly to the Student Health Insurance Plan. You will receive no bill for services received on campus, however there is a $1,000 limit on prescriptions.

Off-Campus: You need to carry your insurance card at all times. Most health care providers will file a claim for you. If a provider does not file a claim on your behalf, you will need to pay cash. It is your responsibility to initiate a claim for reimbursement.

If you have questions about a bill you've received, call UnitedHealthcare StudentResources at 1-888-643-6774 or visit www.UHCSR.com. You can also email UnitedHealthcare at customerservice@uhcsr.com or claims@uhcsr.com.

Or, call the Immunizations and Insurance Office at 616-526-6568. .

Need more information?
For more details about KnightCare benefits, provisions, exclusions, appeals and grievance procedures, disclosure information, and other plan features, be sure to visit www.UHCSR.com.

The 2007-08 Plan Brochure is available for viewing. The brochure for the 2008/09 Plan will be available soon. You may also check out our Frequently Asked Questions (FAQ) page.

Contact Us
Immunizations and Insurance Office
Phone:
(616) 526-6568 (direct)
1-800-688-0122, option 8

Fax:
(616) 526-8818

Email:
health@calvin.edu