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Student Injury and Sickness Insurance Plan

Student Injury and Sickness Insurance Plan

Authority: 
Business Affairs
Date enacted or revised: 
October 1, 2012
In F/S Handbook: 
no
Pursuant to University of Louisiana System Board of Supervisors Policies and Procedures Memoranda (Policy Number: S-II.[3]), McNeese State University provides optional injury and sickness insurance coverage to all domestic students and mandatory injury and sickness insurance coverage to all international students.  This coverage is made available through a third party benefit provider selected by the University through a competitive process and must meet the minimum standards prescribed under applicable law including, but not limited to, the Patient Protection and Affordable Care Act (PPACA) of 2010 and the Health Care and Education Reconciliation Act (HCERA) of 2010.  This policy is subject to change as the provisions of PPACA and HCERA become effective according to timetables prescribed within the laws.
 
Domestic Student Coverage
Domestic students are eligible to elect to enroll in a sickness and injury plan upon final enrollment for seven or more semester credit hours in fall and spring terms, and one or more semester credit hours in summer term(s).  This coverage is optional, and the student must enroll in and pay for the coverage directly with the vendor selected by the University if they wish to obtain coverage.  Domestic students may also elect, appropriate to individual situations, to obtain sickness and injury insurance through their parents, spouse, or private carrier of their own choosing. 
 
Special Notice to Domestic Students in Nursing, Radiologic Sciences, and Clinical Laboratory Sciences
Domestic students pursuing studies in nursing, radiologic sciences, clinical laboratory sciences,  and other health-related fields may wish to consider purchasing this coverage, if appropriate, in order to comply with the requirements of clinical health care education sites (hospitals, medical laboratories, physician offices, other healthcare facilities) to which McNeese students are frequently assigned.  Students with no form of injury and sickness insurance may be prohibited from visiting certain clinical sites associated with academic programs of the University.   Students should contact the faculty coordinator of the academic program in which they are enrolled, or the dean of the college in which the academic program is located, for additional guidance and assistance in making this decision.
 
International Student Coverage
Effective with the Fall 2013 term, international students are automatically enrolled in a sickness and injury plan upon final enrollment in the University for one or more semester credit hours in any fall, spring or summer term.  Charges for this insurance coverage are automatically billed to the student fee bill and become a part of the cost of attendance at the University.  Spring term premiums may be higher due to combining the spring and summer premium together in a single billing to ensure the student is covered during summer months regardless of enrollment in summer courses.  This coverage is mandatory, may not be waived, and helps ensure the student has minimum sickness and injury coverage during the period of continuing attendance at the University.