Insurance

Unforeseen health problems can result in extensive medical bills. Health insurance coverage will minimize the chance of jeopardizing your college education due to a financially devastating illness or disease. The student health center recommends the purchase of major medical insurance. See the links below for referrals to insurance providers. When shopping for insurance compare expenses in the following four categories:

1. Premium Payments:  the direct out of pocket cost to you for insurance. May be due monthly, quarterly, annually, etc.

2. Deductible:  the annual out of pocket expense the insured must pay before their insurance begins to pay for medical expenses.

3. Co-Pay:  the amount the insured must pay at the time of an office visit with a medical provider, before being seen.

4. Coverage or Contracted Rate:  The percentage of your medical expenses covered by the insurance company, after you have met your deductible.

Optional Health Insurance –

Information on various student accident and sickness insurance plans is available.  Brochures are located in the Student Health Center waiting room. Enrollment requirements may vary between insurance providers. Many allow enrollment of dependents.

You may contact some of the companies on line:

• Student Insurance Agency
  Student Dental Insurance
• Smith and Associates
• Ventura County ACE Program

The following website is a great source of information and gives you the ability to request quotes from different insurance providers.

http://www.benefitscafe.com/college/

 For injuries that have occurred on campus:

 Moorpark College Accident Insurance Policy

Secondary policy to cover currently enrolled students for accidental injuries that occur in class or during college sponsored events. Accidents need to be reported to the Student Health Center within 72 hours. The student is responsible for initiating all paperwork and billing their primary insurance company first. There is a deductible for all claims. For complete information on this policy you can inquire at the Student Health Center.