Please
read the Policy Brochure available on our website to make sure that the plan you are buying meets your own needs as well as your school requirements.
1. Go to WWW.PSISERVICE.COM(home page)
2. Select Your School to Find the Right Plan that meets your university insurance requirements.
3. Fill out our Easy Online Application Form(Other Languages Available: Chinese, Korean, Japanese, Spanish)
4. Make Your Insurance Payment Online with a credit or debit card. You may also pay in cash through any Wachovia Bank. Please call our customer service for more information.
5. Download/Print the following PSI Insurance Documents and submit to your university:
Insurance Policy Brochure
ID Card and Claim Form
Confirmation Letter
Sales Receipt
Waiver/Compliance Form *
*If your school has a Waiver/Compliance Form for alternative insurance companies to fill out and it's not available in your PSI account, please email it to psi@psiservice.com or fax it to 1-888-789-4499 (toll free).
Remember, PSI does not mail insurance documents. Everything you need will be available in your PSI account to download and print.
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In the event of injury or illness, the
Insured should:
If you are insured under the PSI
Medical Emergency Insurance, or you are insured under a PSI
Student Plan and your condition is an emergency, skip steps 1
and 2, and go to the nearest hospital.
1. Visit the
campus Student Health Center
2. If the Student Health
Service is not available or further treatment is required,
contact Coalition America for a referral to a network doctor
(please check "How to find a network doctor" for instructions):
3. Present your insurance ID card and PSI Claim Form
to the doctor and follow the doctor's instructions.
4.
Complete a Claim Form with all itemized bills, statements, and
receipts attached, and mail to the Claims Division.
Please send your claim form
and all your itemized bills to this address below:
Benefit Concepts, Inc.
P. O. Box 60608
King of Prussia, PA 19406
1-800-963-2200
It
takes 20 to 25 business days for the Claims Division to
respond to your claims. If you do not hear from the Claims
Division after 30 business days, call the Claim Division to
check the status of your claim(s). If you can not get a
satisfactory answer from the Claims Division, contact PSI at psi@psiservice.com or 1-888-789-4488 (toll free).
Insurance in the US is
not welfare, it is business. The insurance industry is highly
regulated in the US and every state has an Insurance
Commission to protect the consumers' interests. But as a
consumer, you also need to follow the proper procedure and
take precaution to protect your own interest:
1) Read
the Policy Brochure and know your benefits;
2) Follow
the "Claim Procedure" when seeing doctors and making claims;
3) When communicating with the insurance company,
always write down the name and position of the person you
speak with, the phone number, and the date and time. Whenever
possible, ask the insurance company/hospital to communicate
with you in writing;
4) Keep a copy of everything you
send and receive from the insurance company.
These
steps will help you to receive all the benefits to which you
are entitled.
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For Students with 'MP' in policy number Click here!
To find network doctors or hospitals in your area:
1) Click "Find Network Doctor" below to find a Coalition America network doctor.
2) Read the disclaimer, check the confirmation box below, and then click "Continue".
3) Type 3722 as your four-digit PIN #, then click "Continue".
4) Select whether to search by Zip Code or City, State, County and then fill in other necessary fields. Please note: If you search by zip code there will be more results.
5) Click "Search" to find network providers.
You may also call Coalition America at: 1-800-878-7896, PIN #3722, for referrals.
(In case of emergency or if there are no network doctors or hospitals in your area, you can see any doctor. The benefits will be the same as a network doctor. In such cases, attach an explanation when filing claims)
* Call
the doctor's office to make an appointment. You should
say, "My medical insurance coverage is through PPO networks on
my ID card: All Student Health Centers and; PPO Next; Intergroup; PHS." If necessary, say, "Underwritten
by American International Underwriters (AIU) Holdings, Inc."
* Always
bring a Claim Form, which you can download from your PSI
account.
* If you are asked to pay, send
original receipts and a Claim Form to the address found on the
Claim Form, in order to receive your refund.
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All Refunds should be done online. Please follow these steps to get a refund:
1. Login to your PSI Account
2. Click on 'Cancel Coverage'
3. Select the coverage you want to refund
4. Click on 'Cancel/Refund'
5. Acknowledge that you have NOT filed for any claims. There will be NO refund if the enrollee has filed claim(s), even if the claim(s) was/were determined NOT eligible for coverage. Claims will be denied if the enrollee applied for a refund.
6. On the Confirmation Page: You should indicate your reason and attach a Signed Letter from your School Advisor / Health Center showing support on your cancellation request and refund for the unused portion of your policy. Some of the reasons maybe:
a) You will be going back to your home country
b) You got assistantship that comes with subsidized insurance coverage
c) You have graduated and will no longer need insurance coverage
d) You are no longer an F1/J1 student
e) The plan you purchased does NOT meet your university requirements. We require a detailed explanation stating why your PSI Plan was denied
NOTE: We process refunds every end of the month with a valid proof.
After validation of document, it undergoes to claim check and once cleared from claim check,
then the refund request will be approved. Requests with no proof of documents will be denied
and the coverage will remain active.
All approved refunds are credited every 15th of the succeeding month.(Refunds are only approved if you request the refund within 180 days of your insurance start date.)
Method to calculate the refund amount:
Refund = Original premium - Premium for used coverage* - Fee**
* Coverage is rounded to the nearest month for student plan and 14 days for visitor plan.
**Fee: $25 processing fee plus 2.5% of premium credit card charge.
EXAMPLE: Original 12-month coverage is from 8/1/2008 to 7/31/2009 for $449, written refund request is received by PSI on 11/10/2008. Premium for used coverage will be rounded to 4 months (8/1/2008 to 11/30/2008). Premium for 4 months coverage is $164 ($123 for 3 month plus $41 for 1 month).
Please be reminded that there has to be at least a full month coverage left on your account to qualify for any refund.
To confirm eligibility for any Refunds, You may contact PSI at 1-(888)-789-4488 or send us an email at psi@psiservice.com.
Please feel free to contact PSI psi@psiservice.com if you have any further questions.
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Insurance Policy Brochure