Using Sindecuse

WMU Sponsored Student Health Insurance

Enrollment is now being accepted for the SPRING AND SUMMER SEMESTER WMU Student Health Insurance Program. To purchase the policy, please go to www.chickering.com and select "find your school". Insurance can be purchased for the spring semester only, or for the spring/summer combined. Complete policy information and online enrollment access is available. Online purchasing will be available December 1st through January 19th. Coverage begins on January 1st (or the day you purchase if after Jan 1st). Students must have at least one credit hour for the spring semester to qualify to purchase.

Graduate Assistants – Be sure to purchase the student insurance through the Graduate College in order to receive your university financial assistance. Please go online to www.chickering.com, click on "find your school", and follow the GA instructions given in the "enroll" section.

Returning International students – Health insurance is mandatory while studying in the US. We will automatically purchase the WMU student insurance for you unless you provide proof of private insurance to the Sindecuse Health Center insurance office before January 19th. If you are seeing a $715 charge on your student account for spring and summer insurance, but you provided private insurance proof at the beginning of the fall semester, this means your fall waiver has expired and you must provide proof that you've renewed your private insurance. If you will be graduating at the end of the spring semester, or you will leave the US before May 1st and not return again until August, you may request a refund on the summer insurance fee. You must provide either a graduation audit or an airline ticket showing you will leave the US before May 1st.

New International students – Be sure to attend the mandatory insurance orientation (January 5th) for explanation of the WMU insurance benefits, and instructions for opting out if you have private insurance.

Sindecuse Health Center claims will be submitted directly to our student insurance company. Our policy is a member of the Aetna PPO network. If you need to see a specialist (with a referral from Sindecuse), or if you are further than 25 miles from campus, you can access www.aetnanavigator.com to find a participating provider. Insurance payments for Preferred Providers vs. Out-of-Network Providers are explained in the student insurance policy brochure found online at www.chickering.com .

If you have any questions regarding the WMU Student Health Insurance Program, please contact Cindy Clegg at cindy.clegg@wmich.edu or 269-387-3266.

Insurance Office hours:
Monday 8-12 and 2-5
Tuesday 8-12 and 2-5
Wednesday 8-12 and 2-5
Thursday 8-12 and 2-5
Friday 9-12 and 2-5

Private Insurance (students and/or WMU employees) - continue reading
Upon completion of your visit, the Health Center provides you with a receipt containing all medical codes and information needed to submit a claim to your insurance carrier. If you charge your bill to your University Account (payroll deduct only for WMU employees), you are responsible for payment of your balance regardless of the length of time insurance reimbursement may take. We do not have signed billing agreements (we do not participate) with the following insurance companies, but will submit the paperwork:

As a convenience to you, we now bill:

Aetna
American Community
Blue Cross/Blue Shield of Michigan
Blue Care Network
Care Choices
Cigna
Global Benefits
Health Alliance Plan (HAP)
Health Plus
IBA
John Alden
MegaLife
MCare
Messa
PHP/Physicians' Health Plan
Priority Health
Travelers
Teamsters
Unicare
United Health Care

Also, we participate with the following insurance coverages:

Medicare
Traditional Medicaid only
Tricare (Champus)
WMU Student Insurance
Blue Cross/Blue Shield of Michigan (Sports Medicine Clinic Only)

For Pharmacy: Call 387-3301 to verify your insurance will be submitted to your carrier.

Enhanced coverage is available at Sindecuse Health Center for those covered by WMU's Blue Cross Blue Shield plan.

We are also working to provide you with billing service for other insurance carriers in the future. For questions about insurance claims, call 387-4303.

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