Dickinson College – RCMD Student Benefits

Welcome Students!

Start here! To enroll into or waive out of the student health insurance, click the buttons below to take action by the deadline!

Information about the plan and other insurance solutions are below for your review.

The fall enrollment and waiver deadline is 8/31! See below for details.

Sports

Click on an insurance option above or continue scrolling for more information.

Health Insurance

Plan Summary

Eligibility and Requirements

Domestic Undergraduate Student Eligibility

Full-time Domestic Undergraduate Student

Must enroll or waive the school-sponsored insurance plan each academic year.

Students must actively attend classes for at least the first 31 days after the date for which coverage is purchased. Home study, correspondence and online courses do not fulfill the Eligibility requirements that the student actively attend classes.

It is important for you to make an informed health assessment each year. Make sure you are not left without appropriate health coverage – it could hinder your academic progress.

International Students

International Students

Visiting Scholars

Are automatically enrolled in the insurance plan at registration. Students must actively attend classes for at least the first 31 days after the date for which coverage is purchased. Home study, correspondence and online courses do not fulfill the Eligibility requirements that the student actively attend classes. Begin the enrollment process by following the instructions below.

Deadlines:

Annual Enrollment Deadline: August 31st
Spring Enrollment Deadline: January 31st
Cost
Waive out of the Student Health Insurance Plan

The Dickinson College students are required to complete the online waiver process each academic year.

Any student failing to complete the online waiver will automatically be enrolled in the student health insurance plan and your account will be charged for the cost of the insurance. Once enrolled the plan cannot be cancelled and no refunds are available.

Please understand your primary insurance plan must offer coverage in the Carlisle area for all emergency and routine care. Out of state HMO and Medicaid coverage outside of Pennsylvania may only cover you for emergency care. You would need to return to your home state for any routine care.

If you waive the student health insurance plan you will only be able to enroll in the plan if you experience a Qualifying Life Event.

If you have any questions or need assistance please contact [email protected].
Individual health insurance options

The Dickinson College requires students to maintain health insurance to assure there is no disruption of their education due to the financial impact of an unexpected illness or injury. Students are not required to purchase the student health insurance plan sponsored by the University and can purchase coverage meeting all of the standards of the Affordable Care Act.

Dickinson College has secured the services of UROne Benefits to assist students with a search of alternative health insurance plans. You can reach UROne Benefits at 800-733-7221.
Will your health insurance protect you while you are away at college?

The insurance plans offered either through your parents’ employer or in the Marketplace have a variety of options. Some plans will limit coverage and services if the individual is seeking routine medical services outside of their home state.

Most, if not all plans will offer coverage in the event of an emergency, but would require the insured to return to their home state for routine medical care. This can result in significant out-of-pocket expenses or delays in receiving proper care.

Please check with your insurance company to see if they have any options to extend coverage to the Carlisle area. Most of the national insurance companies will expand coverage outside of the home state at no cost to the insured. Some will reference this as a Guest Membership or Away from Home Care.

The implementation of this type of plan can properly protect you and ensure there is access for all medical care while you are away from home. The process can take up to 60 days to complete, so please contact your insurance company in advance to arriving on campus.
International Travel Benefits
Telemedicine Services
Prescriptions

The Dickinson College sponsored student health insurance plan offers a prescription drug benefit. Please click on the link below to access information on which medications are covered, cost for each prescription and if any prior approval is required.

https://www.aetnastudenthealth.com/schools/2022_Advanced_Control_Plan_Aetna_.pdf

Students should also use discount Prescription drug sites, which may result in lower out-of-pocket expenses for your medication. Two popular sites for discounted prescription medications are through Amazon and Good Rx. We provided links below for your convenience.

GoodRx

Amazon
Resources

Enrollment Deadlines:

Fall
Deadline: 8/31
Spring/Summer
Deadline: 1/31

Enroll Today!

Waiver Deadlines:

Fall
Deadline: 8/31
Spring/Summer
Deadline: 1/31

Waive Today!

Dental Insurance

Voluntary Dental Insurance

Stay Covered with an Individual Dental Plan

ENROLL TODAY
Voluntary Dental

Don’t have an employer-sponsored dental insurance plan? Sign up for an individual plan from Delta Dental, the benefits provider employers know and trust.

Take care of your teeth. You are 50% more likely to visit the dentist when you have coverage. Regular visits can keep tooth decay and gum disease in check, preventing major dental problems.

Stay healthy. Treating gum disease can lessen the impact of systemic illness, such as diabetes, heart disease and rheumatoid arthritis. Protect your wallet. Dental coverage makes it easy to get the dental care you need without breaking the bank. Most plans cover routine exams, cleanings and x-rays at no cost. And you cannot be charged more than Delta Dental’s set fees when you visit an in-network dentist.

Enjoy peace of mind. When you have dental insurance, you are prepared for the unexpected.

Students wishing to enroll in this voluntary dental program can enroll in a Delta Dental plan at any time. You will be required to submit payment online with your credit card.

Vision Insurance

VSP Individual Vision Plans

ENROLL TODAY
Voluntary Vision

VSP has your solution for affordable individual and/or family vision insurance. Consumers’ #1 choice in vision care, Individual Vision Plans from VSP cover eyewear, contacts, and eye exams at the lowest out-of-pocket cost through the nation’s largest doctor network.

You’ll like what you see when you look at VSP.

Lowest Out-of-pocket Cost
You’ll enjoy the lowest out-of-pocket cost in individual vision care, saving you hundreds on your eye exam and glasses.

Convenient Locations
With more than 36,000 network doctors you are sure to find a VSP doctor close to you. Visit the Find A Doctor section on www.vsp.com to locate a VSP doctor near you.

Great Selection in Eyewear
With the largest choice in frames, you’ll find the pair that’s right for you and your budget.

Satisfaction Guaranteed
We guarantee your satisfaction. That is why we are consumers #1 choice in vision care. If you are not 100% happy VSP will make it right.

Students wishing to enroll in the vision plan can enroll at any time during the year. You will be required to submit payment online with your credit card.

Study Abroad

Dickinson College has a Global Medical Policy which provides accident and sickness coverage to students, faculty, staff, trustees, employees and guests while traveling outside of United States and their home country on College sponsored activities.

Planning for your health and safety while abroad is very important. Our Global Medical program provides the following:

Up to $100k covered accident or sickness
Medical evacuation/repatriation of remains: 100% of covered expenses
Security Evacuation (including natural disaster): Up to $25,000
Trip Cancellation and Trip Interruption: Up to $2,500
Emergency Reunion Benefit: up to $5,000
Quarantine Benefit: Up to $2,000
Worldwide Travel Assistance: Available 24/7 through International SOS

For questions about the Global Medical plan benefits and limits, please reach out to our insurance broker, RCM&D at [email protected].

International SOS Key Services
Medical Assistance Services

Medical Evacuation & Repatriation Services

Security & Natural Disaster Evacuation Services

Worldwide Destination Intelligence

Personal Travel Assistance Services

To learn more about this valuable benefit, review the Travel Assistance Services website.

Sports Insurance

All students-athletes are required to have personal health insurance in order to participate in intercollegiate athletics. This insurance may be through a parent’s plan or purchased through Student Health Services.

Upload
Claim Form

Dickinson College provides supplemental insurance for those athletic injuries that occur while participating in Dickinson sponsored intercollegiate athletics. Once the athlete has met all of their deductibles and co-payments any outstanding charges that the primary insurance company will not pay reverts back to A-G Administrators. In order for A-G to process these claims, they require a billing statement, itemized bill, and an EOB (Explanation of Benefits) from the primary insurance company stating non-payment. The athletic training staff will file and submit claims, but it is the responsibility of the student-athlete to submit any and all necessary billing information directly to A-G Administrators.

A-G Specialty – Intercollegiate Sports Insurance Claim Information

Dickinson College student-athletes are insured under an Intercollegiate Sports insurance program. This policy is intended to pay for any excess medical expenses not paid by the student-athletes primary health insurance plan.

The Intercollegiate Sports insurance policy is an excess insurance plan. This means if an injury occurs requiring medical attention claims should be submitted to the student’s primary insurance company. The Intercollegiate Sports insurance policy will only pay for any excess expenses not reimbursed by the primary insurance company and meeting the guidelines of this policy.

The student is responsible for submitting all medical bills and Explanation of Benefit statements to the claim administrator. Dickinson does not assist in this process. You can ask for assistance on any Intercollegiate Sports insurance claim by emailing [email protected].

This policy will pay for medical expenses for up to two years from the date of your injury.
Claim Submission
Claim Filing Instructions

Detailed medical bills associated with the injury must be submitted to your primary health insurance company.

Any medical expense balance not paid by the student’s primary insurance will be reviewed by the A-G Specialty for the Intercollegiate Sports insurance.

Claims to the Intercollegiate Sports insurance policy must be submitted with a copy of all itemized medical bills and the Explanation of Benefit (EOB) statements from the student’s primary insurance company.

Bills must be submitted within 90 days from the date of the service provided to the student.

Claims Administrator
A-G Specialty Insurance
Attn: Claims Department
P.O. Box 21013
Eagan, MN 55121

(800) 634-8628 (voice)
(610) 933-4122 (fax)

Online: https://agadmin.retool.com/p/secure-file-upload
Email: [email protected]
Claim Procedures

A-G Administrators should be notified of any injury within 30 days of the accident. Contact your Athletic Trainer for initial assistance with submitting the claim.

Any invoice for medical services should be submitted within 90 days from the date the service was provided. The student is responsible to respond to any request from A-G Administrators or your primary insurance carrier for additional information. Ignoring requests for information to process your claim may result in the medical provider submitting your bill to a collection agency. This could lead to personal credit problems in the future.

Questions?

If you don’t see what you are looking for, or have any questions, it will be our pleasure to assist you.

Email Us: [email protected]

For questions about the following:
• Waiver questions
• Enrollment questions
• Life status changes (Qualifying life event)
• Change of address
• Requesting a new ID card
• Insurance carrier portal assistance
• General policy information

Call Us: (800) 346-4075

For questions regarding:
• Benefits
• Claims