Student Insurance

The Student Accident Insurance is an insurance policy arranged through ACC which pays for student injuries anywhere on an ACC campus or off-campus at a class or college-sponsored event.

The insurance fee is $1.00 per class, paid at registration.

All registered students are covered except some Corporate Solutions classes and Business Assessment Center clients.

The insurance is a primary pay policy which means that the policy will pay even if a student has other insurance. The benefit is $25,000 per claim, there is a $25 deductible per claim. Students are responsible for the bill. Billing is between the student and the medical provider. The insurance pays reasonable and customary charges for procedures based on the procedure and zip code of the provider. Students may be responsible for charges over reasonable and customary reimbursement.

There is no network of medical providers; students are free to choose their doctor or another provider. Medical providers do not have to accept the Student Accident Insurance since there is no network with this insurance program. Students are required to obtain itemized bills with the diagnosis and treatment codes on the bills for submission with the claims forms.

Claim forms are available on the ACC Forms Inventory database. Claim forms are processed through the Safety and Environmental Management Office for certification the claimant is a registered student. Claims are paid by the insurance company, not by ACC. The policy number and other school information are left off of the claims form as a security measure so only registered students who have paid the insurance fee will submit claims.

Yes. ACC does require Health Sciences and students in other selected classes to have Medical Professional Liability insurance. This insurance is paid for by students with a $10 insurance fee on the applicable classes. The classes are selected because students are interacting with clients in a professional setting under the supervision of ACC Faculty in a clinical or internship program.

Health Science students are required to have health insurance prior to clinical placements to meet the requirements of the clinical sites.

Federal law requires some international students to have health insurance. The International Students Office can help you determine if you are required to have health insurance if you are an international student.