Bard Health Insurance for Off-Campus Mental Health Services
Your Bard College Health Insurance provides coverage for some off-campus psychotherapy and psychiatric visits. A brochure describing the terms, coverage, exclusions, and premiums of the Student Accident and Sickness Insurance Plan for Bard College may be found at www.ajfusa.com
, along with claim forms and a temporary ID card. Please feel free to contact the plan administrator, The Allen J. Flood Companies, Inc., at 914-834-9326 or 800-972-7629 if you have any questions.
Be sure to either download a claim form online or pick one up at our office before your visit to your off-campus provider. It is always a good idea to discuss fee arrangements when making your first appointment. It will save time if you have all the information about your Bard Health Insurance plan ready.
Payment may be required at the time of service but most providers will file a claim on your behalf. This will need to be discussed with the provider prior to the first appointment so you can be financially prepared. In either case, a claim form will need to be filled out and submitted to the insurance company in a timely manner. After the $100 deductible is met, off-campus psychiatrist visits are reimbursed at 100% for the first $1,000 then 80% to policy limit.If you waived the Bard College Health Insurance, then your family/private insurance is your primary insurance for all off-campus referrals.
It is your responsibility to familiarize yourself with your family/private insurance. If it is a PPO or HMO, you may need to find a participating provider and verify benefits. (This list of providers may not be in your network!) In order to find a provider in your network you must call member services. This telephone number can be found on the back of your insurance card. This should be done before you schedule an appointment, otherwise you risk benefits being paid at a reduced rate or not at all.
In the event of an emergency, never delay treatment. Go immediately to the nearest hospital. In this case your insurance company should be notified as soon as possible.