Health Insurance Verification ProcedureHealth Insurance Verification for All Currently Active Undergraduate Students The University now requires all enrolled students to submit proof of
health insurance through a third party, The Maksin Group, which
verifies coverage through their online system. Students must go to
www.Maksin.com/KetteringU.aspx to fill out the waiver form.
Students who fail to provide proof of health insurance through the
waiver process will automatically be enrolled in Maksin's Accident
and Sickness Insurance Plan, at a cost of $442.50 for coverage
from January 1, 2010 through June 30, 2010. The upcoming
waiver period will begin December 1, 2009 through January 30, 2010. Maksin’s Student Accident and Sickness Insurance Plan provides health insurance coverage for college students at a highly competitive cost. Students may also purchase dependent coverage through the group. Students and their parents may contact Maksin through their web site www.Maksin.com/KetteringU.aspx. or toll-free at (877) 775-5430. Kettering’s Wellness Center staff will also answer questions about the new verification procedure. Some frequently asked questions about it include:Why does Kettering care whether or not students have health insurance? We believe access to health care, through affordable insurance, to be critical to our student’s access and wellbeing. We want to ensure that ill and injured students receive necessary medical care, when and where they need it. The most cost effective means for providing access to affordable health care is through individual insurance coverage. Rather then mandating all students purchase Kettering’s health insurance, we only require it of those students who do not have other coverage. Why did Kettering change its procedure for verifying student’s health insurance? We changed the health insurance verification procedure for significant reasons. For one, technological advances now make the electronic verification process highly cost and efficient. Also, changes in the health care industry and federal regulation have made it very difficult for the University to verify student’s health insurance coverage. At the same time, the cost of medical care has risen dramatically, resulting in higher and higher medical expenses, including insurance premiums. We cannot allow un- and under-insured students to put the Kettering community at risk because they don’t seek necessary medical care or purchase insurance coverage because of cost. In order to provide adequate and affordable insurance coverage to our students, we must provide insurers with what they refer to as “hard waivers,” i.e., verifiable proof of insurance for those who do not purchase their plan. Who is the Maksin Group and why is Kettering doing business with them? The Maksin Group has more then 40 years experience providing health insurance coverage and insurance verification services to hundreds of colleges and universities in the United States. Kettering contracted with them following a competitive bid process carried out by professional staff from the Wellness Center, Student Life, and Administration and Finance. This committee selected Maksin because they will provide Kettering with the most comprehensive medical coverage at the most competitive price. The Maksin Group’s health insurance coverage for Kettering students is designed to supplement medical services and products available through our Wellness Center. We encourage all students to familiarize themselves with the wide range of services through the Wellness Center, at no or limited cost. How secure is the information Maksin collects? The Maksin Group considers the privacy and security of each student’s personal information to be of paramount importance. It has instituted a number of policies and practices to ensure confidentiality, in compliance with the federal regulations for guarding personal information. Students and their family members may review the Maksin Group’s Privacy Policy at www.maksin.com/privacy.aspx. Note that the Maksin Group will not disclose any non-public personal information about anyone except for the purposes of carrying out services or actions related to their products and services. How much money is Kettering making off this certification process? None What if I (or my parents) have more questions about the health insurance verification process? The Maksin Group’s website (www.maksin.com) provides general information and contact opportunities. Also, you may review their Privacy Policy at www.maksin.com/privacy.aspx. You may contact Maksin by telephone at (877)775-5430. Students and/or their parents my contact the Wellness Center at 810-762-9650 or 800-955-4464 Ext. 9650. Terry Lynn Love Susan Cook |
Kettering University
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