Canisius College strongly recommends that all students have some type of health insurance. Students without health insurance may put off seeking appropriate medical treatment for illnesses or injuries fearing financial burden. This can lead to great physical and emotional discomfort for the student. In addition, the financial burden associated with unforeseen medical expenses for an uninsured student may force the student to withdrawal from school and interrupt academic plans.
Health Insurance for Domestic Students
Canisius College along with M and T Insurance Agency offer a student sickness and accident plan that provides basic coverage for medical and accidental injury expenses. To view the health insurance brochure, which explains the plan in detail, click here (Adobe Acrobat .pdf). Please make a copy this brochure for reference and additional information. A general outline of the plan is listed below. Canadian students are eligible to enroll in this plan.
Cost
The cost of the plan is as follows:
| Type | Annual (08/25/07-08/25/08) |
Half-Year (01/03/08-08/25/08) |
| Full-time Undergraduate |
$621.00 |
$397.00 |
| Part-time Undergraduate |
$749.00 | $480.00 |
| All Graduate Students |
$749.00 | $480.00 |
| Spouse | $1,305.00 | $1,062.00 |
| Per Child | $859.00 | $637.00 |
Enrollment and Health Insurance Cards
To enroll in the Student Sickness and Accident Plan, complete an enrollment form available here (Adobe Acrobat .pdf) and submit it along with a check to: The Allen J. Flood Companies, Inc., Two Madison Avenue, Larchmont, New York 10538
Students can also enroll on-line using a Visa, Mastercard or Discover credit card.
Go to www.ajfusa.com. Under "How Can We Help", click the link for "College & University Students". Obtain a Username and Password by registering at the site. The policy number needed to register on line for 2007-2008 plan is CUH201345. Once a username and password has been obtained, log in. Complete the Enrollment Form and submit it to the Allen J. Flood Company Inc.
Insurance Cards are available for download here (Adobe Acrobat .pdf).
HIPAA Information
To view the HIPAA Privacy Rule with respect to your personal health information, click here (Adobe Acrobat .pdf).
Deadlines for Enrollment
Students wishing to purchase the basic sickness and accident plan must enroll by the following dates:
September 30, 2007 for 1 full year of coverage from August 25, 2007 to
August 25, 2008
February 7, 2008 for one-half year of coverage from January 3, 2008 to
August 25, 2008
Enrollment is closed after these dates. However, if you have had coverage through a parent or employer and this coverage terminates, you can purchase the College plan. To do so, submit proof of termination of previous coverage, along with the enrollment form and check to: The Allen J. Flood Companies, Inc., Two Madison Avenue, Larchmont, New York 10538
Filing A Claim
If you have medical expenses associated with treatment for a health problem, submit an itemized bill from the physician, hospital, clinic, etc. along with a claim form, to AmeriBen Solutions (ASB), P.O. Box 7186, Boise, Idaho 83707. Claims must be submitted no later than 90 days after the injury or illness has occurred in order to be considered for payment.
Claim Forms
Claim forms for the 2007-2008 plan year are available here (Adobe Acrobat .pdf). We encourage all students to keep copies of all claim forms and bills submitted to AmeriBen Solutions.
Claims Problems
If you experience a delay in payment or have questions about your claim, contact AmeriBen Solututions at 1-800-504-0142 . If you need additional assistance, please call M and T Insurance Agency at 716-651-4220. A representative will also be on campus twice a month in the Student Health Center. To set up an on campus appointment, call 716 888-2610.
Accident and Accidental Death Benefit
Accident:
All full-time undergraduate students are covered under a student accident plan.
This plan will pay for medical expenses associated with an accident, both on campus and off campus accidents, up to $3,000.00. This coverage is considered excess coverage, which means students who have other health insurance, should submit to their primary plan first. Any unpaid expenses after review by the student's plan can be submitted for payment to Ameriben Solutions. Students who do not have any other insurance should submit all bills to AmeriBen Solutions following the steps under the filing a claim section above.
Accidental Death Benefit:
All full-time undergraduates are covered for a $5,000.00 benefit for death resulting from injuries and/or illness associated with an accident. Family members should contact M and T Insurance Agency at (716) 651-4220. to discuss this benefit with an representative there.
Unisured Students with Limited Income
Students who are New York State residents, with limited income, may be eligible for health benefits offered through New York State. Visit the New York State web site at www.health.state.ny.us, click on info for consumers to learn about Family Health Plus and Medicaid. Medicaid also has a helpline number at (518-486-9057)