(If you are insured under the PSI Medical Emergency Insurance, or you are insured under PSI student plans and you have a medical emergency, skip steps 1 & 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 at :

   1-800-878-7896, PIN # 3722 for a referral to a network doctors

3. Present your insurance ID card to the doctor and follow doctor's instructions.

4. Complete a Claim Form and attach all itemized bills, statements and receipts and mail to the Claims Division.  Please see the address below:

Insurance in the US is not welfare, it is business. Insurance industry is highly regulated in the US.

Every state has an Insurance Commission to protect consumer interests. But as a consumer, you also need to follow the proper procedures and take pre-cautions to protect your own interests:

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, 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 you are entitled to.