Student Accident Insurance
All students are covered by an accident insurance policy for a $9 per semester fee. The plan is underwritten by Commercial Travelers Mutual Insurance Company (CTM). Insurance information, brochures, and claim forms are available in our offices and at CTM's Student Plans Center† (Select "Orange County Community College" and submit.) You may also find a plan provider in your area on this site. Finding a provider on this site is no guarantee of benefits coverage. It is your responsibility to contact the provider to verify new patient status, location, and participation in the CTM network. (Following this link will take you out of the SUNY Orange web site. The college cannot be responsible for the content of this external web site, although it has been reviewed and is recommended by members of the Wellness Center.)
In the event of an accident on campus, please come to our office to file an Incident Report, as this may be requested by the Insurer as part of the claims process. Failure to complete this form may result in denial or delay of payment.
If you have no other accident insurance:Students who do not have any other accident insurance must let their Health Care Providers know the name and address of CTM. The student should request that the itemized bill from the Provider is on a HCFA 1500 Billing Form or an itemized bill with CPT (treatment) codes, and the Provider's name, address and Tax ID number are on the bill. The student can then attach that to the claim form and submit it to Commercial Travelers for reimbursement.
If you have other accident insurance:When students are covered by another accident plan (primary insurance) the CTM plan becomes secondary insurance. Students must ask their provider to submit the claim to both their primary insurance and to CTM. If the provider will not submit the claim directly to CTM (many providers will not submit to a secondary insurer) the student should request an itemized bill from the provider. This can be in the form of an HCFA 1500 Billing Form or an itemized bill with CPT (treatment) codes and the provider's name, address and Tax ID Number.
When the student receives an EOB (Explanation of Benefits) from their primary insurer, they should submit a copy of that along with the itemized bill from the provider to CTM using one of their claim forms. †Following this link will take you out of the SUNY Orange Web site. The college cannot be responsible for the content of this external web site, although it has been reviewed and is recommended by the members of the Wellness Center.)
Questions about a claim or claim procedures? Contact CTM at 1-800-422-6200.
How to submit claims:
Fax to 315-797-0195
- Commercial Travelers Mutual Insurance Company, 70 Genesee Street, Utica, NY 13502.
Under the Affordable Care Act, if your parents' health insurance plan covers children, they can now add or keep you on their policy until you turn 26 years old.
What this Means for You
Until now, health plans could remove enrolled children usually at age 19, sometimes older for full-time students. Now, most health plans that cover children must make coverage available to children up to age 26. By allowing children to stay on their parents' plan, the Affordable Care Act makes it easier and more affordable for young adults to get health insurance coverage.
Adult children can join or remain on their parents' plan whether or not they are:
- living with parents;
- in school;
- financially dependent on parents;
- eligible to enroll in their own employer's plan, with one temporary exception: Until 2014, "grandfathered" group plans do not have to offer dependent coverage up to age 26 if a young adult is eligible for group coverage outside their parent's plan.
For more information visit HealthCare.gov
Following this link will take you out of the SUNY Orange Web site. The college cannot be responsible for the content of this external web site, although it has been reviewed and is recommended by the members of the Wellness Center.
Free & Low-Cost Health Plans
†Following the links above will take you out of the SUNY Orange Web site. The college cannot be responsible for the content of these external web sites, although they have been reviewed and are recommended by the members of the Wellness Center.
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