Anthem offers reliable, affordable health insurance coverage that can be trusted and is the carrier of choice for local colleges. Anthem is a local insurer and is accepted by most local providers as well as many providers nationally. The Siena student health insurance PPO plan with Anthem, Group # L11030 provides health insurance coverage for inpatient care, outpatient services, prescription medicine, $0.00 cost mental health care, as well as catastrophic illness and injury.
ANTHEM PLAN FAQ'S
WHEN IS THE PLAN EFFECTIVE?
2025-2026 - Anthem coverage is effective August 15, 2025 through August 14, 2026 for the 2025-2026 academic year. For Fall semester only full-time students, coverage is effective August 15, 2025 – February 14, 2026. Coverage for Spring semester only full-time students is effective January 1, 2026 – August 14, 2027.
WHAT DOES THE PLAN COST?
2025-2026 - The Anthem full year plan cost will be $2,470.00 and will be billed in two installments. $1,245.00 will be billed for Fall semester and $1,225.00 will be billed for Spring semester (on the first tuition bill of each semester). Spring semester only full-time students will be billed $1,529.00 for coverage from January 1-August 14, 2026. Students who enroll midyear will be charged pro-rata based upon the date of activation. Students who waive or request termination after the waiver deadline will be refunded pro-rata based upon the date of the approved request.
Students can download the Sydney Health App by clicking here. The app gives you 24/7 access to your benefits, claims, information, and electronic ID cards. You can also use it to find doctors, track health information, and receive important plan updates.
International Students- If you do not transition to a U.S.-based cell phone carrier and service, please email studentlife@siena.edu and we can assist you with getting electronic and physical copies of your insurance card.
WHAT DOES MY HEALTH PLAN COVER?
For information about what is covered, view the benefit summary here or contact Anthem (customer support) member services at (844) 412-0752. You can also access this information online through your account portal: https://student.anthem.com
IS BEHAVIORAL/MENTAL HEALTH COVERED BY THE PLAN?
Yes! Anthem will fully cover the cost of in network Mental Health/Substance Use Outpatient Services (virtual AND office) with a $0 copayment. Out-of-network providers are the deductible ($4,000) then 40% Coinsurance.
Inpatient services are the deductible ($500) then 30% Coinsurance for in network providers. Out-of-network providers are the deductible ($4,000) then 40% Coinsurance.
IS DENTAL INSURANCE PART OF THE PLAN?
Dental insurance is only included in the plan for students under the age of 18. Since most Siena students are 18 at their time of arrival on campus or soon thereafter, we recommend utilizing their own personal or family dental insurance plan.
Vision care is covered up to the age of 19 and services provided under the plan are available in the Summary of Benefits.
HOW DO I RECEIVE MY ANTHEM INSURANCE MEMBERSHIP CARD?
Plan participants can download and/or print a copy of their insurance card by logging into the Anthem Portal.
Misplaced your ID Card? No problem! Login to your online account to view and print your ID card.
Anthem has a nationwide network of providers, so you’re covered nationwide, even when you’re not in the area. To find a full listing of providers and practices in the area you’re in, visit Find-A-Doc online.
WHAT SERVICES ARE AVAILABLE TO ME AWAY FROM SCHOOL AND WHILE TRAVELING ABROAD?
You have the protection of Anthem’s “Blue Cross Global Care Program” for Students. You have access to emergency medical coverage worldwide, but the travel assistance doesn't end there. For more information on this offering, please click here.
Students need to self-manage their medications and be independent with their plan of care.
I RECENTLY PAID OUT-OF-POCKET FOR A SERVICE THAT WAS COVERED. HOW DO I SUBMIT A CLAIM?
To submit a claim, please click here to learn about Anthem's claim process.
More information coming soon!
WAIVED THE SIENA HEALTH INSURANCE PLAN (ANTHEM) BUT MY OTHER INSURANCE COMPANY DENIED A CLAIM SAYING I WAS ENROLLED IN THE SIENA ANTHEM PLAN. HOW CAN I FIX THIS?
Some health insurance plans have a Coordination of Benefits (COB) clause making any other insurance you may have your primary insurance plan. If your insurance company is one of those (Fidelis, etc.), they will deny claims.
What to do if your insurance company denies a claim:
WHO CAN I CONTACT IF I HAVE QUESTIONS ABOUT MY ENROLLMENT?
Please email questions to the Office of Student Life, studentlife@siena.edu.
Participants can contact Anthem (customer support) member services at (844) 412-0752.