Health Care and Insurance

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Health Care and Insurance

• St Cloud State University International Health
  Insurance Plan

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Health Care and Insurance

• Who MUST have Insurance?
• F-1 and J-1 students and scholars sponsored by
• St Cloud State University.
• Entire time as SCSU F1/J1 students or scholars

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Health Care and Insurance

• Why you MUST have Insurance?
• Required by St Cloud State University (SCSU) and
  United States (US) visa regulations.
• Health care in the US is very expensive.
• Not subsidized by government.
• University not responsible for your health care
  expenses.
• The only exception is if your government agrees
  to pay all of the medical bills while the student
  attends school. You may be responsible to pay
  SCSU health insurance while waiting for financial
  guarantee.

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Health Care and Insurance

• Getting Health Care

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Health Care and Insurance

• For EMERGENCIES (life-threatening illness/Injury
  or potential for permanent disability)!!!!
• Call 911. Notifies Fire Department, Ambulance,
  and Police.
• Wait for Ambulance to arrive.
• OR
• Go to the Emergency Room at the nearest hospital.

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Health Care and Insurance
Emergency Room (ER) Always Open
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Health Care and Insurance

• For Non-Emergency covered services
• Go to the Student Health Services first (SHS).
• You will pay 0 before the insurance pays
  bills.
• If you go to ER or any other doctor first, you
  will pay 50 (deductible) before the insurance
  pays for bills additional 20 of total covered
  services (clinic and pharmacy).
• Get a referral from SHS if you need to see
  additional doctors
• (With an SHS referral your deductible should
  only be 25 20).
• Boynton Health Center at the U of M
  www.bhs.umn.edu or 612-625-8400 - 10 copay for
  covered services.
• Preferred Provider Network (within the USA)
• YOUR COST 50 deductible 20 total bill for
  covered services
• https//www.geoaccess.com/uhc/po/Default.asp
• Enter Search Criteria
• (select Physician or Hospital/Facility)
• Select Specialty
• (select location)
• View Results

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Health Care and Insurance
SCSU SHS Student Health Services Appointments 32
0-308-3193 Hours (Fall/Spring) Mon
Thurs 800AM -530PM Fri 900AM -430PM Call
for availability during breaks. Closed
Weekends, Evenings, Holidays

• CIS
• Center for International Studies

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Health Care and Insurance

• How Insurance Works
• Pay premium before semester begins.
• Seek the medical attention for an illness or
  accident.
• Tell them you have Student Insurance.
• The doctor/hospital will bill Student Insurance.
• Student Insurance may ask for additional
  information.
• Student Insurance will determine how much they
  must pay and how much you will have to pay.
• If you owe money, you will receive a bill from
  the doctor/hospital.

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Health Care and Insurance

• Coverage Highlights (for covered services)
• In-patient (hospital stay).
• Outpatient (visit doctor and return home the same
  day).
• Pregnancy and childbirth (unless pregnancy began
  before enrollment ).
• Medical Evacuation and Repatriation
• Mental health and drug or alcohol abuse
• Prescription drugs.

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Health Care and Insurance

• NOT covered or strictly limited? (Partial list)
• Checkups, immunizations, or diagnostic tests for
  anyone without symptoms (unless noted under
  Student Health Service Information).
• Dental care (unless injury to sound natural
  tooth).
• Eye exams or eyeglasses/contacts.
• Medicine not prescribed by doctor. SCSU Health
  Services Pharmacy has some over-the-counter (OTC)
  drugs at reduced prices.

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Health Care and Insurance

• How to Pay for SCSU International Health Insurance

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Health Care and Insurance

• Cost

Insured Annual Spring/Smr Summer
Student 872 540 253
Spouse 2611 1617 758
Each Child 1606 994 466
Rates have risen each year. Prices are for 10/11
policy year.