General Insurance Information

Using Insurance Wisely

As a student at Ball State University, you should use the Ball State University Health Center and the Counseling Center whenever you can. Because the Health Center Fee that you pay along with your tuition bill covers most services, you usually do not make any additional payment. Use the hospital emergency room (ER) only in the case of a true emergency.

Take the time to read your insurance policy carefully before you need to use it. Your insurance company may refuse payment if you receive treatment for an excludable condition, or if you do not follow insurance protocol for treatment. Ask your health care provider for a cost estimate for any treatment you might receive, especially prior to surgery or hospitalization. Then consult with your insurance company about the coverage you might expect. By taking these measures, you can keep your health care costs down.

Filing a Claim

Read your insurance brochure to find out how and when claims for benefits should be filed with the insurance company. Also ask your health care provider or hospital if they will file the claim on your behalf. If not, will they require payment for services immediately, or wait for your insurance to first pay the portion of your bill as provided under your plan?

Understanding Insurance Terms

As you evaluate your insurance plan, it is helpful to understand some common insurance terms. Once you obtain health insurance, it is important that you read the policy carefully to understand how the insurance company defines these terms and any others.

Language translations for medical terms, phrases and drugs can be found on the HTH Website.
  • Premium is the amount that you must pay to purchase insurance coverage.
  • Deductible or Co-payment is the portion of your medical bill that you must pay.
  • Out-of-Pocket Maximum is the highest amount that you must pay before the insurance covers 100% of the cost of treatment.
  • Maximum Benefit is the maximum dollar amount that your insurance will pay for treatment of injury or sickness
  • Usual, Reasonable and Customary is the average fee that a health care provider charges for any given service in your geographic area.
  • Exclusions and Limitations are benefits that are not paid for by your insurance company.
  • Pre-existing Condition is any medical problem that was already diagnosed or that existed prior to purchasing the health insurance. BSU health insurance excludes pre-existing conditions present 6 months within being insured from coverage.
  • Claim is a formal request for payment of benefits covered under the insurance program, after service is rendered and expenses are incurred.
  • Medical Evacuation – If your physician AND the insurance company agree that you can be better treated in your own country, this would cover part of the cost of transferring you to your country for treatment. You would need to examine your policy closely for specific details.
  • Repatriation – This covers the cost of returning the body to the home country, in case of death