Transcript Health Care and Insurance - St. Cloud State University

Health Care and
Insurance
St Cloud State University
International Health
Insurance Plan
Health Care and Insurance
Who MUST have Insurance?
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F-1 and J-1 students and scholars sponsored by
St Cloud State University.
Entire time as SCSU F1/J1 students or scholars
Health Care and Insurance
Why you MUST have Insurance?
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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.
Health Care and Insurance
Getting Health Care
Health Care and Insurance
For EMERGENCIES (life-threatening illness/Injury or
potential for permanent disability)!!!!
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Call 911. Notifies Fire Department, Ambulance, and
Police.
Wait for Ambulance to arrive.
OR
Go to the Emergency Room at the nearest hospital.
Health Care and Insurance
Emergency
Room (ER)
Always Open
Health Care and Insurance
For Non-Emergency covered services
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Go to the Student Health Services first (SHS).
You will pay $0 before the insurance pays bills.
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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).
2.
Get a referral from SHS if you need to see additional doctors
(With an SHS referral your deductible should only be $25 + 20%).
3.
Boynton Health Center at the U of M www.bhs.umn.edu or 612-625-8400 - $10
copay for covered services.
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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
Health Care and Insurance
SCSU SHS
Student Health
Services
Appointments:
320-308-3193
Hours:
(Fall/Spring)
Mon – Thurs
8:00AM -5:30PM
Fri
9:00AM -4:30PM
* Call for availability
during breaks.
**Closed Weekends,
Evenings, &
Holidays
• CIS
Center for International
Studies
Health Care and Insurance
How Insurance Works
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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.
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.
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.
Health Care and Insurance
How to Pay for SCSU International Health
Insurance
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.