2025-26 Accident Only Insurance Plan Mandatory Enrollment

General

Who do I contact if I have questions or need help?

Questions about what is covered and how to access benefits:
CM Solutions Insurance Agency
Tyler Krombholz
715-218-5464
tkrombholz@churchmutual.com

How do I file a claim?

Report your accident or injury to your instructor or report it directly to Shawn Sullivan. You will then be guided through the remainder of the process.

Who do I contact for questions about a specific claim or claims payment?

Co-ordinated Benefit Plans (CBP)
PO Box 20874
Tampa, FL 33622
Phone: 866.669.7577
Fax: 800.561.8084
AXISClaims@cbpinsure.com

Enrollment/Eligibility

All students of Northcentral Technical College that are actively enrolled, or are participating in a practicum program, and/or other recognized student groups approved by the college, including distance learners and continuing education students are eligible.

How do I enroll?

Eligible students do not need to submit an enrollment form. Northcentral Technical College submits student information to CM Solutions to enroll students.

Accident Insurance Plan Benefits

How much does the plan cost?

The rate for the 2025-26 plan is $4.00 per student, per semester.

Is the $4.00 fee refundable?

The fees are refunded, at Northcentral Technical College’s discretion, only if the student withdraws prior to the start of class for each semester. Otherwise, the fees are non-refundable.

What is covered under the Accident Only Insurance Plan?

When an accident occurs to a student while attending a practicum program, or other recognized student group approved by the college, or during travel to and from a program (excluding overnight travel), the plan offers comprehensive benefits that include hospital room and board, inpatient and outpatient surgical procedures, labs and x- rays, physician office visits, ambulance, durable medical equipment, emergency care, and prescription drugs as defined in the Description of Benefits.

The maximum benefit allowed is $50,000 per person, and $100,000 aggregate per
Services are covered at 100% of reasonable and customary
A $10,000 Accidental Death and Dismemberment benefit is also
Please refer to https://studentlife.ntc.edu/wp-content/uploads/accidentinsurancepolicy.pdf for complete details regarding coverage, limitations, and exclusions.

Does a covered person need to be on campus for coverage to take effect?

Eligible students are covered while on campus or while attending or participating in a college-sponsored or recognized activity, including practicums. This includes traveling to or from the eligible student’s home and campus, but only travel within the contiguous United States, including Alaska and Hawaii, and only while traveling directly and without personal deviation between the School or other meeting place designated by the School.

Is coverage in place for a student who is traveling internationally for a required course activity?

No, there is no international travel insurance through CM Solutions Insurance Agency at this time.

Is coverage in place for a student who is studying at the college library on campus on a day when his/her class is not in session?

Coverage is in place while on school premises, during school hours, and on school days when supervised by a college faculty member.

Is coverage in place for a student who is driving to and from a school sponsored event?

Coverage is in place for travel to and from a school-sponsored event within the contiguous United States, excluding overnight travel.

For a student who has a blended online course, is coverage in place for the portion of the course when the student is required to be on campus?

Yes, the student with blended courses is covered when required to be on campus.

What is considered a “blended online course”?

Blended online courses are a mix of online and regular in-person courses. Online courses don’t necessarily require students to physically attend class, while regular courses do.

Do I get an ID card?

ID cards are available by following https://studentlife.ntc.edu/wp-content/uploads/accidentinsurancecard.pdf.

Does this plan have a deductible? What is a deductible?

Deductible is the amount for which you are responsible before payment is made by the claims company. This student accident policy does not have a deductible.

Finding a Provider

Can I go to any doctor or hospital?

Yes, you can go to any licensed provider.

Claims Processing

If I receive a bill for services I received, or need to be reimbursed, what should I do?

Physicians should bill the claims administrator. The billing information is on your accident insurance ID card that you receive. However, if you do receive a bill, or you paid for a service and need to be reimbursed, you should submit your bill, and proof of payment, if seeking reimbursement, complete a claim form, which will be supplied to you by your instructor or another member of the NTC staff when an incident occurs. Make sure your name, insurance ID number, and school name are on the bill, and make a copy for your records. Submissions of these documents should be e-mailed, faxed, or mailed to the contact listed below: