All enrolled students are eligible for coverage under the BMI Student Accident Insurance Plan. 

This plan provides coverage for “Covered Accidents.” A covered accident is a “sudden, unforeseeable external event that results, directly and independently of all other causes, in an injury or loss and meets all of the following conditions: 1) occurs while the Covered Person is insured under this Policy; 2) is not contributed to by disease, sickness, or mental or bodily infirmity; and 3) is not otherwise excluded under the terms of this Policy.”

This plan covers eligible expenses for covered accidents up to $2,500. Eligible medical expenses must be incurred within the 104-week Benefit Period; with the first eligible expense incurred within 180 days of the Covered Accident. The claim form needs to be submitted within 90 days from the date of the accident. Benefits are payable for eligible expenses that are in excess of benefits paid by any other health care plan. 

In order to use the BMI insurance plan there are several steps you must: 

• Complete the claim form in its entirety and submit to BMI Benefits, within 90 days from the date of the accident.
• Bring the BMI insurance card to all medical providers where you access care for the covered accident, or contact all medical providers where treatment was received and provide BMI’s billing information so they can bill BMI directly. 
• Or, submit all itemized bills and primary insurance E.O.Bs to BMI Benefits for processing of outstanding balances due to a Covered Accident.
• Submit these to BMI at:

BMI Benefits, LLC.

PO Box 511

Matawan, NJ 07747

Phone: 800-445-3126

Fax: 732-583-9610

Email: evelyne@bobmccloskey.com

If you are accessing medical care for an injury or accident, you will need to complete the Wellfleet “Accident Form” in order for your claims to be processed. You will need to fill out this form in addition to the BMI claim form as detailed above. In order to do this, log into your Wellfleet account by selecting the Student Health Insurance Portal in the Garnet Gateway. 

Once you log into Wellfleet, locate the tab across the top that says “Claims.” Click on this tab, and locate the “Accident Form.” Select this “Accident Form.” This will bring you to another page where you will have to enter information about your recent services. Wellfleet will need this form in order to process your claims. 

As stated above, all claims will need to be processed by primary insurance companies before being processed by BMI.

General questions can be directed to healthservices@bates.edu and we will direct you to the appropriate office to address your question.

Questions about using BMI can be directed to Lisa Farrington at Lisa.Farrington@crossagency.com.

Questions about navigating your health insurance as a college student can be directed to Brenna Callahan at healthservices@bates.edu.

Questions about the BMI coverage can be directed to BMI Benefits at 800-445-3126 or Cross Benefit Solutions (the insurance broker for the BMI Plan) at 1-800-537-6444.

Questions about your medical bill or procedure from Central Maine Medical Center and/or Bates Health Services can be directed to the Central Maine Medical Center Patient Financial Services at (207) 795-2237.