Welcome to the Houghton College 2009-2010 Student Insurance Site

Reference the WAIVER ONLINE SYSTEM section below to waive from the Student Medical Insurance Plan.

I have carefully read the brochure and/or summary of benefits (click links above to view) and elect to enroll as indicated. Rates are not prorated other than as listed. I authorize Houghton College to provide Niagara National with my enrollment status to validate eligibility under the Plan. I warrant that the information I have provided in this application is true and accurate. If it is later determined that I have provided inaccurate information, my coverage and the coverage of my dependent(s) may be voided. I understand that premium will be refunded in the event that I am later determined to be an ineligible student. In such an event, I agree that my return premium may be reduced by the amount of any paid claims. Premium is not refundable for any reason other than a determination of ineligibility.  

Waiver Online System

Houghton College 2009-2010 Student Health Insurance Online Waiver System

All full time undergraduate students at Houghton College are automatically enrolled in the Student Health Insurance Plan.

If you have adequate coverage that will provide benefits in the Houghton, New York area, you may waive the Student Health Insurance Plan and not incur a charge on your student account.

I warrant that the information I have provided in this waiver is true and accurate. I authorize Niagara National, Inc. on behalf of Houghton College, to validate my waiver. This includes, but is not limited to, contacting my existing insurance carrier in an effort to determine that valid, in-force coverage exists. If it is later determined that I have provided inaccurate information, my waiver may be voided and charges for the student insurance plan may be added to my student account billing statement.

You may waive the Student Health Insurance Plan by clicking on the "Continue" button below and completing the online waiver process. This will be the fastest way to waive out of the plan. If you need assistance while navigating this system, please contact the Niagara National Customer Service Department at 1-800-444-5530.

If you are not adequately insured while you are at school, you will not be allowed to waive. Please take a few minutes to review your current policy and make sure you are adequately covered. If you are not sure, please contact your current insurance carrier.

Many HMOs provide limited coverage for students traveling away from their service area and most employer plans will not cover dependents beyond a certain age (for instance turning 19 or 21).

You may wish to consider the following even if you have other coverage:

• If your current insurance is through an HMO or preferred provider network out of the Houghton, NY area, services locally may be limited. Covered charges under your current plan may be billed to you at a higher, non-preferred rate. Many students have found it challenging to use their HMO coverage out of the home area.
• Your current insurance may not cover the types of expenses most frequently incurred by college age individuals, such as outpatient referrals, or may cover them only after a deductible or co-payment. This plan helps cover those expenses. It may even be used to supplement or compliment a family plan.
• Coverage through parent's policy may end on a student's birthday (i.e. at age 19, 23, or 25), even if a full-time student.  
• This policy will cover a student at home, while participating in a sport, at the College or while traveling internationally.
• The policy will cover a student from 8/13/09 to 8/12/10 with a maximum benefit up to $15,000, per claim.
• Prescriptions are covered after a $10 generic/$20 brand/$30 non-formulary co-pay per prescription, up to a maximum of $500 per year.
• Will you be a graduating senior? If so, you will also be offered a continuation plan prior to graduation.
• The plan offers Spring/Summer enrollment from 1/13/10 to 8/12/10.
• Participating doctors, hospitals, and pharmacies may file claims electronically

Many important items are covered in the brochure (click link above to view). Health insurance is a very important aspect of a college student's life. It can take years to recover from unpaid medical bills. This plan will pay a student's medical expenses if they are sick or injured as long as it is medically necessary.

If you need assistance while navigating this system, please contact the Niagara National Customer Service Department at 1-800-444-5530, or send an e-mail to: nninfo@niagaranational.com

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