FAQs

Enrollment/Eligibility FAQs:

Can I enroll in the insurance plan after the enrollment deadline?

You can enroll in our plan within 30 days of a qualifying event (loss of other coverage) regardless of our enrollment deadline. You must supply written proof that your other coverage has terminated through a qualifying event.

I have purchased coverage for myself. Can I also purchase coverage for a member of my immediate family (spouse, child, parent)?

Please consult your plan's enrollment information. Typically coverage is available.

What is COBRA?

Continued health insurance coverage for employees who have lost their health insurance coverage based on a qualifying event.

How long can I have COBRA coverage?

The length of time you can have COBRA for is based on the qualifying event. For example, COBRA coverage as a result of termination of employment is usually 18 months.

What is a "pre-existing condition"? How does this affect me as a consumer of health insurance?

A pre-existing condition is any condition for which you have had symptoms or services provided before the effective date on the plan. You must consult your Student Health & Accident brochure or Plan Document to see if there is a clause that limits the coverage of pre-existing conditions.

Claims FAQs:

How can I check the status of a claim I submitted?

You can login here and check the status of a claim that you have submitted.

What is my login?

If you are a CHP member, you will create your own username and password when you first register for access. If you are a provider, group administrator or broker, please contact us for intital access.

What if I don't know what my password is?

If you are a CHP member, you will create your own username and password when you first register for access. If you are a provider, group administrator or broker, please contact us for initial access. If you are registered, but forget your password, click here to re-set it. If you need additional assistance, please contact us.

What if my password doesn't work?

Passwords are case-sensitive. Please be sure you have entered it exactly as required. If you have forgetten your password, click here to re-set it. If you continue to have a problem, please contact us

What are some of the reasons CHP might not reimburse my medical provider for a claim I submitted?

Other insurance may be responsible for paying the claim; the services may not be covered according to the exclusions listed in your brochure or Plan Document; the claim may not have occurred while you were covered; or the charges may be over Reasonable and Customary. A letter from CHP will accompany any denial of claim indicating the reason for non-payment.

If I am in a car accident or other accident, what kind of documents will I need in order to submit a claim for reimbursement?

You will be asked for a description of the accident, other coverage information and perhaps a police report. CHP will send a letter to you requesting the pertinent information.

What is a Reasonable and Customary charge and how does that charge affect me as a consumer?

Reasonable & Customary (R&C) charges are guidelines developed by an independent source and used by insurance companies to help assure that the fees providers are charging for services are reasonable for their geographic area. Consolidated Health Plans utilizes the 80th percentile of R&C for most of our plans.

What if I have Cigna Dental Claims?

Please send CIGNA DENTAL CLAIMS to: Consolidated Health Plans, 2077 Roosevelt Avenue, Springfield, MA 01104.

PPO/Provider FAQs:

 

How can I find a provider in another state?

The CHP Network is available from downtown Boston to the hills of the Berkshires. If you are accessing the CHP Network, you can locate participating providers using the CHP PPO look-up on the left side of the PROVIDER SEARCH screen.  If your ID card has one of the PPO logos shown on the right side of the PROVIDER SEARCH screen, a click on that logo will bring you to your PPO provider look-up page.  Click here to access the PROVIDER SEARCH SCREEN.

How can I search for Providers on Cigna's web-tool?

Click here to view a guide that will assist you in navigating Cigna's new website.

 

How can I determine which network I can access?

If you have access to a network other than the CHP PPO, you will have a logo in the upper right-hand corner of your ID card. You can also find this information in your Student Health brochure or Plan Document.

What are those logos under Preferred Provider Networks?

Those are direct links to the websites for the national networks. Click here to access the PROVIDER SEARCH SCREEN.

Can I download and print a directory from CHP's website? If not, where can I get a directory/list of participating providers?

At this time, it is not possible to download/print a directory from the website. You can search and print up to ten providers per page. If you are accessing any of the national networks, you can download and print a directory from their website. Employees may request a directory from your benefits department and students can view a directory your school's Benefit Administrator's Office or Student Health Services Center.  Click here to access the PROVIDER SEARCH SCREEN.

When scheduling an appointment, should I tell the provider's office that I have CHP?

If you are accessing any network other than CHP, you should inform the office of that network and ask if they are participating (i.e. PHCS, Multiplan, Intergroup, Beech Street and First Health Networks)

Do I have Express Scripts? I see a logo for it on the website.

Some plans have a pharmacy benefit with Express-Scripts. If your plan is one of these, the reverse side of your identification card will contain an Express Scripts logo.

I am a Provider. How can I access your inquiry screens?

Access is granted to providers on a case-by-case basis. If you would like to obtain a User ID and Password, please click on the "Contact Us" button and request access via e-mail. You must include the name of your organization, tax identification number and the name of all users. We will reply to you within one business day.

Student Health Insurance FAQs:

Do I need a password to print a claim form?

No, passwords are not required to print claim forms. You can obtain a claim form at the Homepage Quick Links or click here.

If I am working on my dissertation or thesis, but I am not enrolled in classes. Can I apply for insurance through CHP?

You must consult your Student Health & Accident brochure. Generally the policies allow coverage only for those students who are enrolled full-time. Click here and select your school from the drop-down list to view your plan brochure.

What happens if I drop out of school while I am enrolled in your insurance plan? Will you refund my money? If not, am I still covered?

You will not receive a refund. However, your plan will continue through the period for which you paid.

If I have my own doctor in the community and I don't want to go to the campus health center for care, will CHP consider my claim?

Since all our plans are different, you will need to consult your plan brochure. Click here and select your school from the drop-down list to view your plan brochure.

Does CHP's student insurance cover prescription drugs? If not, how can I get help with my prescription drug expenses?

Consult your Student Health & Accident brochure. Click here and select your school from the drop-down list to view your plan brochure. If your plan does not have prescription drug coverage, you can purchase a discount card on this site which will help minimize your expenses. Click here for more information on CHP's Prescription Discount Program.

Does CHP's student insurance cover dental or eye care?

Consult your Student Health & Accident brochure. Click here and select your school from the drop-down list to view your plan brochure. Typically plans do not offer dental or vision coverage, only coverage for sickness or accidents to the teeth or eyes. If your plan does not have coverage for dental or vision, you can purchase plans on this site which will help minimize your expenses. Click here for more information on CHP's additional products.