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  • Policies and Procedures | Wheaton
    Policies and Procedures Policies and Procedures Menu Contact the Student Accounts Team Policies and Procedures Student Accounts FAQ Wheaton Installment Plan Costs for 2016 17 Academic Year Wheaton College accepts checks cash and wire transfers for payment We do not accept credit or debit cards Checks should be payable to Wheaton College Post dated checks cannot be accepted Wire information is available by contacting the Student Accounts Office A one time 75 00 penalty will be charged if the account balance is not received by the first Wednesday of the current semester Late fees of 1 5 per month will then be assessed on any past due balance Failure to complete all paperwork required by the Financial Aid Office can delay the release of funds resulting in late charges being assessed and the inability to register for future semesters If a student is receiving an outside scholarship it is his her responsibility to inform the scholarship organization of the payment due date If a scholarship is not received by the due date the student is responsible for payment Students with unpaid accounts are not permitted to re enroll or receive diplomas or transcripts Additionally these past due accounts will be assigned to an outside billing service 60 days after enrollment ceases and are subject to credit bureau reporting Accounts that are assigned will be responsible for principle interest late charges and collection costs For complete detail of the Wheaton College Student Accounts policies refer to the Wheaton College Catalog Semester bills are sent to the student s permanent mailing address Monthly account statements default to the student s CPO box unless an alternative address has been requested by the student Share This Page Feedback Media Center Giving to Wheaton Back to Top About Wheaton Value of a Wheaton Education Wheaton

    Original URL path: http://www.wheaton.edu/Offices/Student-Accounts/Policies-and-Procedures (2016-02-17)
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  • Student Accounts FAQ | Wheaton
    Office only accepts checks cash or wire transfers Where do my bills get sent Semester invoices are sent to the student s permanent mailing address Monthly account statements default to the student s CPO box unless an alternative address has been requested by the student Forms are available in the Student Accounts Office for address changes How do I make changes to schedule housing meals or insurance All changes must be made through the respective office Failure to contact the appropriate department directly may prevent any desired changes from occurring Can I see my student account balance online You can access your account through BannerWeb You will be able to see the current balance and account activity What happens if I don t pay my account on time A one time 75 penalty will be charged if the account balance is not received by the first Wednesday of the current semester Late fees of 1 5 will then be assessed on any past due balances In addition students with unpaid accounts are not permitted to re enroll or receive diplomas or transcripts Participants on a payment plan are exempt from late charges on current budgeted amounts Unbudgeted items may be subject to late charges Does Wheaton have payment plan options Yes please see the Installment Program page or contact 630 752 5804 for more information Can I appeal a late payment fee Yes you can All appeals must be submitted in writing to either the Student Accounts Office or student accounts wheaton edu Please be sure to include the student ID in the appeal Can I charge books to my student account Only students with a credit balance on their student account may request a bookstore voucher How do I withdraw a credit balance from my student account You must

    Original URL path: http://www.wheaton.edu/Offices/Student-Accounts/FAQ (2016-02-17)
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  • Looking for Health Insurance? | Wheaton
    primary subscriber Carefully read what is covered by the plan when deciding to remain enrolled in a family plan While you are a student it is important that your plan provide coverage for emergency and non emergency hospital services urgent and sick visits annual preventive exams vaccines mental health or behavioral services diagnostic testing and follow up care for an injury including physical therapy where you are living You may also be eligible to enroll in an individual plan through a private insurance company or through the Federal Marketplace All of the plans through the Marketplace are Affordable Care Act Compliant and have provisions for the mandated Essential Health Benefits and no restrictions for pre existing conditions Over the age of 26 You may be eligible to enroll in an individual plan through a private insurance company or through the Federal Marketplace While you are a student it is recommended that your plan provide coverage for emergency and non emergency hospital services urgent and sick visits annual preventive exams vaccines mental health or behavioral services diagnostic testing and follow up care for an injury including physical therapy All of the plans through the Federal Marketplace are Affordable Care Act Compliant and have provisions for the mandated Essential Health Benefits and no restrictions for pre existing conditions Marital and Family Status If you are married You may be eligible to enroll yourself and your dependents in a family plan through a private insurance company or through the Federal Marketplace You may be eligible to enroll in an individual plan if your spouse has separate coverage If you are married and are under the age of 26 you may qualify to be enrolled in your parent s group employer plan If you are single You may be eligible to enroll in an individual plan through a private insurance company or through the Federal Marketplace Health Status Regardless of your current health status Wheaton College maintains Coverage Guidelines for students to assist you Recommended coverage includes emergency and non emergency hospital services urgent and sick visits annual preventive exams vaccines mental health or behavioral services diagnostic testing and follow up care for an injury including physical therapy Good General Health If you are in good general health without pre existing or ongoing medical conditions you may consider enrolling in a plan with a higher deductible The deductible is the amount that you owe for health care services before your health insurance begins to pay This type of plan typically provides a lower monthly premium but more out of pocket expenses up front when a medical need arises Ongoing Medical Needs If you have ongoing health needs that require frequent medical visits or diagnostic testing you may consider enrolling in a plan with a lower deductible This type of plan requires a higher monthly premium up front but lower out of pocket expenses when a medical need arises Medication Needs If you require ongoing medication you may need a plan that provides this benefit

    Original URL path: http://www.wheaton.edu/Student-Life/Student-Care/Student-Health-Insurance/Looking-for-Health-Insurance (2016-02-17)
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  • Origin of Health Insurance | Wheaton
    Student Health Insurance 2014 15 Public Plans Public health insurance programs are run by the State or the Federal Government These plans include Medicaid Illinois Connect or various options levels on the HealthCare gov site There are fixed open enrollment times However an individual with a qualifying event i e loss of coverage marriage may enroll outside of these fixed enrollment times There is usually a delay to confirm enrollment It is prudent to purchase a short term plan for 1 2 months so that there is no gap in coverage Cost of Public Plans Medicaid and other state health insurance plans for low income individuals families are available at low cost Some public plans require individuals to pay enrollment fees or co payments For the HealthCare gov federal plans individuals will need to pay a premium which will depend on the insurance option chosen For example the bronze plan provides a lower level of covered benefits whereas the silver gold and platinum plans provide a greater level of coverage and benefits respectively Private Plans Health insurance plans that are run by private insurance companies range from Affordable Care Act ACA compliant to non ACA plans such as catastrophe short term plans Private plans are usually classified as individual plans meaning a single individual or a family can enroll for specified time period Individuals or families can select from a variety of plans that offer high deductibles and low premiums or vice versa Cost of Private Plans Private health insurance plans are funded by premium payments Insurance companies should provide information about the frequency and type of payment required for premiums In addition to premiums those healthcare services that are covered will likely also require payments typically either co payments a flat dollar amount fee for a service co insurance a percentage of the fee for a service or the entire fee for a healthcare service if the plan requires payment of all costs aside from preventive care until a deductible level is reached Employer Plans Health insurance plans that are run by private insurance companies in which the employer pays for a portion of the insurance premium Cost of Employer Plans Private health insurance plans require premium payments The insurance company should provide information about the frequency and type of payment required for premiums In addition to premiums the healthcare services that are covered will likely also require payments typically either co payments a flat dollar amount fee for a service co insurance a percentage of the fee for a service or the entire fee for a healthcare service if the plan requires payment of all costs aside from preventive care until a deductible level is reached Parent Plans Health insurance plans that are Affordable Care Act compliant ACA mandate that children may stay on the parent s health insurance plan until the age of 26 years Cost of Parent Plans These plans usually are through the parent s employer Family premiums cost more but there should be no

    Original URL path: http://www.wheaton.edu/Student-Life/Student-Care/Student-Health-Insurance/Origin-of-Health-Insurance (2016-02-17)
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  • Types of Insurance | Wheaton
    Insurance Types of Insurance Library of Resources Recommended Coverage Guidelines FAQs ACA Essential Health Benefits Past Announcements Glossary of Insurance Terms Student Health Insurance 2014 15 Some health insurance plans are Affordable Care Act ACA compliant and some are non compliant ACA compliant plans must insure all essential health benefits Non ACA compliant are not mandated to provide preventive care pharmaceuticals mental health services or insure pre existing conditions These plans do not meet the federal tax exemption mandate for US citizens Types of Insurance There are a variety of health insurance types It is necessary to review each of these types to ensure that affordable care can be accessed in the Wheaton community overseas or at HoneyRock WI HMO HMOs are Health Maintenance Organizations In general HMOs require that the client access healthcare through the list of providers supplied by the insurance company The client is able to access healthcare outside of the insured provider list but insurance will not pay for any primary care needs such as preventive visits physical therapy elective surgeries or diagnostic tests Usually these plans are less expensive They may only cover you in your home state for all services and outside of your state for emergency care The best way to use an HMO is by Seeing your primary care physician PCP first unless it is an emergency Get a referral from your PCP before attempting to make an appointment with a specialist Stay in network HMO plans only cover costs of services provided in the network Use the Emergency Department only for emergencies At times you may need to notify your PCP that you utilized the ED within 24 hours PPO PPO means Preferred Provider Organization plan This is a plan in which a healthcare group is organized by an insurance company so that medical care be offered at fixed prices or fees for in exchange for managed medical care Individuals will have a deductible predetermined lump sum of money to pay out of pocket before the insurance company will begin to pay for medical care Services are covered at a higher rate by the insurance company when contracted healthcare providers are accessed HSA HSAs are health saving accounts and are designed as a tax free account established to receive monies designated for healthcare services and products approved by the United States Internal Revenue Service IRS Usually HSAs are coupled with a high deductible predetermined lump sum of money that must be paid before healthcare costs are covered through the healthcare plan Catastrophe Catastrophe plans are typically utilized for short term healthcare needs They generally cover a variety of acute health care needs and are not designed for long term use or if someone has a known chronic illness Catastrophe plans are not recognized by the Affordable Care Act mandated insurance law However if an individual can demonstrate an approved hardship he she may be able to be given an insurance Federal tax exemption for one year Share This Page Feedback Media

    Original URL path: http://www.wheaton.edu/Student-Life/Student-Care/Student-Health-Insurance/Types-of-Insurance (2016-02-17)
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  • Library of Resources | Wheaton
    Origin of Health Insurance Types of Insurance Library of Resources Recommended Coverage Guidelines FAQs ACA Essential Health Benefits Past Announcements Glossary of Insurance Terms Student Health Insurance 2014 15 Private Private plans are Individual Plans that any student can design and purchase with the assistance of the company representative These plans should identify if they are Affordable Care Act compliant Visa holding green card or permanent resident status students may participate in these plans Blue Cross Blue Shield of Illinois UnitedHealthOne Aetna Public Public health insurance plans have certain calendar times for open enrollment If you are enrolling outside of these specific times you must show a type of qualifying event i e marriage loss of coverage These plans take some time for verification of enrollment Students may need to consider a short term plan to bridge the gap between plans Contingent upon the State these plans may not be open to visa holding students Residency status may be required before an international student will be able to apply for the state HealthCare gov insurance HealthCare gov All Kids Medicaid Short Term This is for domestic non visa holding students to purchase individually and for a short period of time 1 11 months These plans are not required to cover pre existing health conditions Catastrophe plans are designed for short term medical needs but do not qualify for the Federal tax exemption unless a hardship can be proven for the Federal Internal Revenue Service IRS United Health One UnitedHealthOne UnitedHealthOne Short Term Medical Plan Brochure PDF Short Term Plans Search GoHealth EHealth Visa Holding Students There are special health care plans designed for international students studying for a short time in the US with or without preexisting medical conditions International students may also participate in private insurance plans as they provide more covered services International Student Insurance ISO This does not cover pre existing condition Cigna Global Health Options This may not cover pre existing condition Atlas This also comes in 4 levels and is renewable annually There is a 6 12 month waiting period for pre existing condition The plans listed below offer different benefits for visa holding students and their dependents All three plans are offered by Gallagher Student Health Online enrollment and the plan information is available at www gallagherstudent com iss Gold Plan covers pre existing health conditions and also in network with Student Health Services Silver Plan covers pre existing health conditions and also in network with Student Health Services Bronze Plan has a 6 month pre existing condition clause Short Term Visa Holding Students For students who are visa holders and travel to the US to study for less than 2 months there are affordable plans that can assist you with your urgent health care needs International Student Travel Insurance Studying Abroad These products are not to be used in substitute of a fully insured plan but they can assist students while they travel and studying abroad These plans provide you with the flexibility

    Original URL path: http://www.wheaton.edu/Student-Life/Student-Care/Student-Health-Insurance/Library-of-Resources (2016-02-17)
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  • Wheaton College Recommended Coverage Guidelines | Wheaton
    radius of the College or the Wheaton College external location of study for emergency urgent and non emergency retail clinics illness and injury including follow up care to emergency room treatment Adequate primary medical care coverage within a 4 hour driving radius of the College or the related external site which provides access to a physician physical therapy laboratory diagnostic imaging prescription medication and wellness services For all HMO plans a Primary Care Provider PCP within 4 hours of Wheaton that can be pre authorized before arrival on campus or related location of study Any restrictive HMO that does not provide coverage for a PCP within 4 hours of location of student may restrict care for the student Coverage for both in and outpatient mental behavioral health and substance use services Health insurance coverage for the whole academic year Coverage anywhere in the world including medical evacuation or repatriation benefits A nationwide network of providers for primary and specialty care Annual deductible less than 13 000 for family 2 500 for individual When viewing a health insurance product be sure to ask about the recommended coverage guidelines as well as the following questions What is the monthly cost of this plan What is the deductible Is the deductible per illness injury or the full time period of purchase What networks are in my community for this type of insurance Does this plan comply with the ACA requirements to avoid the penalty Does this plan cover pre existing conditions Pharmaceuticals In and outpatient mental health needs How do I track my claims Will this insurance be valid if I travel nationally or overseas Is there a limit on covered benefits What are the benefits that are covered and at what percentage How do I pay for an insurance plan Ask the

    Original URL path: http://www.wheaton.edu/Student-Life/Student-Care/Student-Health-Insurance/Wheaton-College-Recommended-Coverage-Guidelines (2016-02-17)
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  • FAQs | Wheaton
    health care delivery systems This means in general if you are citizen of that country you are automatically provided health insurance and hence healthcare in your home country However once you leave your country this health insurance will not be applicable to the country that you are traveling to Thousands of students come to the United States every year to study at US colleges and universities International students are deemed to be non residents under US law and are not subject to the legislation of the ACA unless certain time limits have been exceeded For example international students in the United States under F J M and Q visas do not need ACA insurance for the first five years they are in the States After five years the individual is deemed to be no longer exempt and must go through the process of categorization depending on the substantial presence test Many students or other non residents will continue to be classed as non residents even after five years when they can prove they have stronger connections to their own country than to the United States You will need to find special health insurance designed for your needs You can view the Library of Resource page which will assist you in finding insurance while you studying in the US I am a green card holder am I eligible to qualify for the US marketplace insurance Yes you are eligible to use the state or federal marketplace You can learn more on the HealthCare gov website What is the cheapest insurance that provides the best benefits There really is no cheap insurance Insurance simply shifts costs to be paid by the individual up front premium or when healthcare is utilized deductible This means that the individual can either pay a set monthly premium that is higher and less deductible out of pocket expense or less in up front premium costs and more in deductible or out of pocket expenses If the cost of the insurance is lower than other products it is worthwhile to investigate why Cheap health insurance is not beneficial to you when you truly need to be covered I have a pre existing medical condition can I choose any health insurance The ACA mandate stated that certain health insurance products must cover all pre existing medical conditions at the time of enrollment However some short term insurance products are not ACA compliant and are not required by law to insure pre existing conditions immediately When you talk with an agent from the insurance company make sure to ask this crucial question of coverage for pre existing conditions Examples of pre existing medical conditions are diabetes autoimmune disorders musculoskeletal injuries illnesses mental health prescriptions or pregnancy What questions should I ask a health insurance company regarding their product so that I make sure I get the best insurance for my needs Every individual is different and you should take the time to understand your health financial and travel needs Some

    Original URL path: http://www.wheaton.edu/Student-Life/Student-Care/Student-Health-Insurance/FAQs (2016-02-17)
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