Faculty Student Association of Westchester Community College
Accident and Sickness Insurance Plan
2012-2013 School Year
Policy Number: UFL2827S

The Faculty Student Association of Westchester Community College (“FSA”) is pleased to inform you of an improved Accident and Sickness insurance plan offered to all Full Time and Part Time Students at a reasonably cost. The FSA has made significant improvements to the insurance plan this year including the following just to name a few:

In March 2010 the Patient Protection and Affordable Care Act (PPACA), the blue print for national health care reform, was signed into law. Student Health Insurance programs are required to comply with the act. Because of this, certain benefits must be changed for the
2012-2013 school year. These changes will provide enhanced coverage or services to students who participate in the plan.

Following are some of the more important changes that insurance companies must implement for the 2012-2013 academic year:

• Insurance companies must cover all essential benefits including hospitalizations, emergency medical care, laboratory services, mental health care and prescription medications. A complete list of essential benefits can be found at:
  www.healthcare.gov/using-insurance/understanding/services/
• Preventative services such as: vaccinations, physicals and screenings as well as contraceptives must be covered and cannot include co-pays, deductibles or co-insurance requirements. A complete list of preventive services can be found at: www.healthcare.gov/news/factsheets/2010/07/preventive-services-list.html
• Pre-existing conditions cannot be excluded for any covered persons younger than the age of 19.

It is very important that all students refer to the Student Accident & Sickness Plan brochure located at www.ajfusa.com/students for complete details regarding the coverage, benefits, limits and exclusions.

POLICY TERM
The insurance under Westchester Community College's Student Accident and Sickness Insurance Plan for the Annual Policy is effective at 12:01 a.m. on September 1, 2012. An Insured Student's coverage becomes effective on that date or on the date that the application
and full premium are received by the Company or Plan Administrator, whichever is later. The Annual Policy terminates at 12:01 a.m. on September 1, 2013 or at the end of the period through which the premiums are paid. The Spring semester coverage is effective at 12:01 a.m. on January 1, 2013 and terminates at 12:01 a.m. on September 1, 2013 or at the end of the period through which premiums are paid.

ELIGIBILITY
All Full-Time and Part-Time Students of Westchester Community College are automatically covered for Basic Accident Medical Expense Benefits. All Full-Time Students are covered 24 hours a day. All Part-Time Students are covered while participating in activities required of them by the College on or off campus. An Insurance fee is assessed at registration for this mandatory coverage.

All full-time students of Westchester Community College are eligible to enroll in the Voluntary Student Sickness Insurance Plan as described in the outline of coverage. This coverage is in effect 24 hours a day. If a Student wishes to purchase these benefits, please complete the on line Enrollment Form located at www.ajfusa.com/students no later than October 17, 2012 for annual coverage at a rate of $956 and no later than February 15, 2013 for spring coverage at a rate of $695.

All part-time students of Westchester Community College with at least 6 credits are eligible to enroll in the Voluntary Student Sickness Insurance Plan. If a part-time student wishes to purchase these benefits please complete the on line Enrollment Form located at www.ajfusa.com/students no later than October 17, 2012 for annual coverage at a rate of $1,156 and no later than February 15, 2013 for spring coverage at a rate of $798.

DEPENDENT COVERAGE
Please refer to the brochure located at www.ajfusa.com/students for complete details regarding the dependent coverage rates.

Please contact The Allen J. Flood Companies at 1-800-734-9326 if you have any questions.
On-Line Enrollment Procedure for Westchester Community College Students.

Please follow these steps:

• Go to the following web site: www.ajfusa.com/students.
• Select your college if you’re Full-Time or Part-Time from the drop down box and then enroll in the coverage.

You may also enroll by completing the enrollment form online, printing and returning the enrollment form with a check or money order to The Allen J. Flood Companies, Inc. at 2 Madison Avenue, Larchmont, NY 10538. *Please note any enrollments submitted after the deadline will be covered from the date after the Plan Administrator receives both the application and premium. Premiums will not be pro-rated.