Coverage Information

Period of Coverage

When you buy Seattle Central's insurance policy, you are covered from the first day of the quarter until the day before the first day of the following quarter. If you are entering the United States for the first time to study at Seattle Central, you will also be covered for 30 days prior to the first day of the quarter, or from the day you entered the United States, whichever comes first. If you are transferring from one school to another, you will be covered from the first day of the quarter. If your previous school also had a policy through The Lewer Agency, and you were covered by the policy, then you will be covered during the break between the two schools. 

If you purchase the policy again from Seattle Central the following quarter, you will be covered during the break between the two quarters.

What to do if the Doctor’s Office/Hospital says you do not have insurance or your insurance has expired

Insurance is added automatically to a student’s account when a student registers and pays for classes. The processing time for the insurance can take from 1 to 4 weeks, depending on the time of the quarter.

For this reason, most new students will be able to access their insurance card and account by the end of the 2nd week of the quarter. Students who register and pay their tuition and fees more than two weeks before the quarter begins will have access to their insurance account by the first day of the quarter. Students who register and pay less than two weeks before the quarter begins may experience a delay in insurance activation for the quarter.

If the doctor’s office/hospital says your insurance is expired:

- Ask the doctor’s office/hospital staff to call the Lewer agency to check on your eligibility. The phone number is 1-800-821-7710 and can be found in the top-left corner on the top of your insurance card.

- If the doctor’s office/hospital has been unable to confirm your coverage, please contact the International Education Programs Office in BE1113 and let the front desk staff know that you have a question about insurance coverage.

- The IEP Office front desk staff will be able to confirm whether or not your insurance is valid for the quarter. If your insurance is valid, the IEP Office front desk staff will work with the LewerMark insurance agency to enroll you directly. This enrollment typically can be completed within 1 business day. If you already visited the doctor/hospital and received medical treatment, the following business day, you will need to contact the doctor/hospital where you received treatment, tell them that you have insurance information you would like to provide, and ask them to bill the LewerMark agency. You will need to have your insurance card ready when you call or visit so that you can give them the information on the card.

Vacation Quarter or Quarters with No Enrollment

If you are not taking any classes at Seattle Central during a vacation quarter, leave of absence, or medical leave, you will not be covered by Seattle Central’s insurance policy unless you buy insurance for that quarter. The IEP Division strongly recommends that students purchase insurance in these circumstances to ensure they have adequate coverage. Please visit the International Education Programs (IEP) Office to purchase insurance.

If you choose not to purchase coverage during a vacation quarter, leave of absence, or medical leave, you will have a break in coverage from the last day of the previous quarter until the first day of the next quarter you enroll and purchase insurance.

If you have a serious medical condition that requires you to be on full or part-time medical leave, the Lewer policy may not cover you after your first quarter of full or part-time leave. If your condition prevents you from enrolling full time for a second quarter, you may consider returning to your home country until you have fully recovered. If you remain in the United States on medical leave after your first quarter of full-time or part-time medical leave, you may need to find a new insurance policy to cover your medical expenses.

Finishing your Program

If you finish your program and are going home, then you are covered for 30 days from the last day of your program. If you plan to stay through the full 60 days of your program grace period, you have the option of purchasing a 30-day extension of the insurance policy (see the International Education Programs Office for details).

OPT

If you have been approved for Optional Practical Training (OPT), you may purchase Seattle Central’s policy while you are on OPT. To have insurance during OPT, you must pay the premium at Seattle Central no more than 60 days after the last day of your graduating quarter. It is important that you pay by this day; otherwise, you will not be eligible to purchase Seattle Central’s insurance while you are on OPT. Please visit the International Education Programs Office to purchase insurance during OPT.