Student Insurance - Frequently Asked Questions
Our Special Risk products cover a wide variety of groups, schools, and events, so it is difficult to anticipate questions or answer them online. If you have any questions about your Special Risk Insurance coverage or claim, please read your plan’s brochure and plan materials, which you received when you enrolled in the plan. If you do not see the answer to your question, or if you do not understand an answer given below, please call 1-800-622-1993, or e-mail special_riskdiv@gtlic.com. Please note that we may not always be able to respond to your inquiries or requests by e-mail due to our privacy policy.
How can I enroll in the student accident/health plan?
Is my school involved in your student accident/health plan?
How can I find out what my policy covers?
Who should I call if I have questions about my policy?
Are pre-existing conditions covered?
How can I continue or extend my coverage? How do I renew my coverage?
Is there a list of approved doctors I can use under my plan, or can I choose any doctor I like? Do I need a referral to see a specialist?
Is hospitalization or partial hospitalization covered under my plan?
How can I check the status of my claim?
How do I file a claim for prescriptions?
Who should I call if I have questions about my claim?
Is my school involved in your student accident/health plan? How can I enroll in the student accident/health plan?
To find out if your school is involved in our insurance plan, or to enroll, please contact your school and ask for the person who handles student insurance issues.
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How can I find out what my policy covers? Who should I call if I have questions about my policy?
If you have questions about the benefits your policy offers or claims, please call us at 1-800-622-1993. If you have questions about eligibility or premiums, you must contact your agent or school.
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Are pre-existing conditions covered?
Coverage of pre-existing conditions depends on the type of plan you have. Please review the brochure and plan materials you received for more information, or call 1-800-622-1993, ext. 2010.
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How can I continue or extend my coverage? How do I renew my coverage?
To extend or renew your coverage, you need to talk to your agent. If you don’t know who your agent is or have no contact information for him/her, please call 1-800-622-1993, ext. 2010.
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Is there a list of approved doctors I can use under my plan, or can I choose any doctor I like? Do I need a referral to see a specialist?
It depends on the plan. To find out if you need to use an approved doctor or need a referral to see a specialist under your plan, please call your plan administrator, as noted on the brochure and materials you received when you enrolled in the plan. If you don’t know who your plan administrator is, please call 1-800-622-1993, ext. 2010.
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Is hospitalization or partial hospitalization covered under my plan?
It depends on the plan. To find out if hospitalization is covered under your plan, please call your plan administrator, as noted on the [brochure/certificate] you received when you enrolled in the plan. If you don’t know who your plan administrator is, please call 1-800-622-1993, ext. 2010.
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How can I check the status of my claim?
To check the status of your claim, please call our Claim Office at 1-800-622-1993 or e-mail us at special_riskdiv@gtlic.com. Make sure you have your Group number, Social Security Number, provider name, type of service, and amount of claim on hand when you call or included in your e-mail. Please note that we may not always be able to respond to your inquiries or requests by e-mail due to our privacy policy.
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How do I file a claim for prescriptions?
It depends on the type of plan you have. If your plan provided you with a prescription card to present to the pharmacist, the pharmacy will take care of the claim. If your plan did not provide a prescription card, you will have to complete a claim form and send it in to us with the receipts from the prescription.
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Who should I call if I have questions about my claim?
If you have questions about your claim, please call our Claim Office at 1-800-622-1993. Make sure you have your Group number, Social Security Number, provider name, type of service, and amount of claim on hand when you call.
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