Dear Students:

Edward Waters College requires all full-time students (enrolled for a minimum of nine credit hours) to maintain adequate health insurance coverage for the 2010-11 academic year. Staying healthy is an important part of your success at Edward Waters College. If you do not have other "comparable" medical insurance coverage, you will automatically be enrolled in the EWC 2010-11 Student Medical Insurance Plan, underwritten by BCBS of Florida, and the premium for coverage will be added to your tuition bill.

If you are already insured under a parent's or individual plan that is comparable to the student insurance plan benefit guidelines, you may waive coverage of the college's Student Medical Insurance plan by submitting an insurance waiver form before the indicated waiver deadline (Athletes: August 31, 2010; Non-Athletes: September 23, 2010).

Please take a few minutes to review your current policy. Many HMOs provide limited coverage or no coverage at all away from their service area. Also, some plans may have referral requirements for your care. In addition, most employer plans will not cover dependents beyond a certain age. If your current carrier provides limited or no coverage in this area, you are encouraged to enroll in the EWC Student Medical Insurance Plan provided by BCBS of Florida. The Plan includes inpatient and outpatient coverage at an affordable cost, and benefits can be coordinated with any other coverage you may have.

2010-11 BCBS of Florida Student Medical Insurance Plan Highlights

Annual Rates:

• Students: $409; $10,000 Maximum per Benefit Period
• Student-Athletes: $477; $25,000 Maximum per Benefit Period
• International Students: $438; $50,000 Maximum per Benefit Period

Coverage 24 hours a day, anywhere in the world

Access to local and national Preferred Providers through Blue Cross Blue Shield

$0 Deductible

80% coverage In-Network; 50% coverage Out-of-Network

Sickness and Accident coverage on an in-patient and outpatient basis: including Physical Therapy, Mental Health, and Maternity

Physician Visits (no limit):

• In-Network: $25 Co-pay + 80% Co-insurance (Specialist: $40 co-pay + co-insurance)
• Out-of-Network: $25 Co-pay + 50% Co-insurance (Specialist: $40 co-pay + co-insurance)

Urgent Care Center and Emergency Room Coverage:

• Athlete - Urgent Care Co-pay: $50 + co-insurance
• Athlete - ER Co-pay: $300 + co-insurance
• Non-Athlete – Urgent Care co-pay: $50 + co-insurance
• Non-Athlete – ER Co-pay: $500 + co-insurance

Prescriptions:

• Athlete: $100 Maximum per Benefit Period
• Non-Athlete: Not Covered

Repatriation and Medical Evacuation Benefits: $10,000 each

By partnering with Collegiate Risk Management and BCBS of Florida, Edward Waters College is pleased to continue to offer health insurance that provides protection against illness and accident at an affordable cost. We wish you a healthy and successful year ahead.

Edward Waters College