Student Health Insurance Information
While the Maricopa County Community College District does not offer health insurance plans to students, here are some resources to keep you up-to-date on healthcare options:
- Independent Student's Guide to Healthcare
- Affordable Care Act: Health Insurance Market Place
- Arizona PIRG Education Fund
Student Accident Insurance Plan
The Student Accident Insurance Plan is provided without charge to all students of the Maricopa Community Colleges.
The following is a brief summary of our student insurance plans. The master policies contain complete details of the provisions, limitations, and exclusions and will prevail at all times.
Please note this is a secondary policy and if the student has insurance it must be submitted to their insurance company first.
Education is expensive--and so are accidents. To protect students against the financial burden of medical expenses resulting from an accident, the Maricopa County Community College District (MCCCD) provides its students with Student Accident Insurance. Every MCCCD student is automatically insured and the cost for the insurance is covered in the student-activity fee.
- Coverage applies only to College-related accidents.
- Coverage applies to students registered in day or evening classes and who are enrolled in an approved credit or non-credit class at any of the Maricopa Community Colleges.
Description of coverage
This plan covers accidents on an excess insurance basis occurring only while the eligible student is:
- Attending class during the hours when college is in session;
- Traveling for regular class sessions, directly to or from home and college other than by motorized vehicle, but not longer than one hour before class commences or one hour after class is dismissed, or for the time required when traveling in a vehicle authorized and furnished by the college. No coverage is provided for any motorized vehicle not supervised and provided by the College/MCCCD;
- Participating in or attending an activity exclusively sponsored, calendared and supervised by the College; traveling to and from the activity in an authorized vehicle.
This plan also covers children of properly enrolled and registered students and staff members of the College while they are authorized to use, and only while they are using, the officially designated childcare facility on or off campus.
Basic Policy - School Trips
- Day trips only
- School supervised/approved/sponsored
- Classroom activity
- College vans/cars only—personal autos while in a caravan situation are covered if the caravan falls into the specifications set forth by MCCCD, and the caravan must be supervised by the College
- Per vehicle auto limit is $10,000
- Direct travel (uninterrupted route) from Point A to Point B; however, for extended trips, can stop on way to Point B for gas/food/restroom if stops are on "direct route" to Point B
- Club activities (day only) are covered if sponsored/supervised/approved by College
Expanded Medical Benefit - Intercollegiate Athletes Only
- Heat-related conditions are covered
- Bee stings are covered for the removal of the stinger only; any follow-up visits or allergic reactions are not covered
- Snake bites are covered to cleanse puncture wound and the administration of an antitoxin only; any follow up visits or allergic reactions are not covered
Special Risk District Tripster
- School sponsored/supervised/approved trips
- Overnight trips only
- Sickness benefit available only for overnight trips
- Medical Evacuation/Repatriation only available for out-of-country trips
- Club activities excluded unless sponsored/supervised/approved by College
- College cans/cars only—personal autos while in a caravan situation are covered if the caravan falls into the specifications set forth by MCCCD and the caravan must be supervised by the College
- Direct travel from Point A to Point B—may stop for gas/food/restroom if on "direct route" to Point B—no side trips
In the Event of an Injury (Claim Process)
- Immediately report the Accident to an instructor, coach or trainer. All injuries must be reported to a college authority within 72 hours of the Accident. An Accident report is necessary to substantiate the insurance claim. Do not delay in reporting.
- First medical treatment must be rendered within 180 days from the Accident date in order for benefits to be considered.
- Please note: All bills must first be submitted to any other group hospital or medical plan for which the Insured may be eligible. That Insurer's Explanation of Benefits paid or denied must accompany the claim form.
- Claim forms are available from Student Services (SCC Center for Civic & Global Engagement), Athletic Departments, or on the Risk Management website.
Complete the claim form and have it signed by a school official (SCC Dean of Students). Attach all itemized bills and any other Insurer's Explanation of Benefits and send to: Mutual of Omaha, Special Risk Services, P.O.Box 31156, Omaha, Nebraska 68131, (800) 524-2324