Health insurance is required for all F-1 and J-1 students and scholars at St. 云州.
This requirement protects and provides a health plan against financial hardship resulting from the need for medical attention.
的 United States does not have a national health care system available to non-immigrant students/scholars; therefore, the cost of medical care is the responsibility of the student/scholars.
Because medical costs in the United States are high, St. 云州 requires new and transferring F-1 and J-1 international students and J-1 scholars to purchase the 明尼苏达州 system's Student Health Plan.
Covered medical services provided at the on-campus 医疗诊所 are paid at 100 percent through 美国医疗保健. (F-1 and J-1 international students only)
Students may contact the Student 保险 Advocate in a variety of ways:
电话:320-308-4855 /邮箱: studentinsurance@bn1996.com / 访问: 医疗诊所 during business hours.
通过UHCSR应用程序, students can access their ID card, 探索护理方案, search for in-network providers and view claims.
的 医疗诊所 provides preventative care and diagnosis and treatment of illnesses and injuries.
美国医疗保健 includes access to a national network of health care professionals. 登录到 MyAccount or the mobile app and then enter the closest zip code to where you seek medical medical care.
医疗诊所 is your primary clinic, if you are an F-1 or J-1 international student attending St. 云州.
*Appointments are based on schedule availability.
Included with your student insurance plan, 由HealthiestYou提供, is 24 hour access to board-certified physicians online or on the phone.
Totally worth it for minor stuff (like allergies, 红眼和耳痛), the doctors can even send a prescription to your preferred pharmacy.
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的 benefit for $0 generic and $15 brand is available to international students when they use the Coborn’s Pharmacy on Cooper Ave in St. 云.
Generic prescription drugs, including birth control, are covered at 100%的 “元钱 tiers” will apply if the student fills their prescriptions at any other Coborn’s or network pharmacy.
校外
If you receive prescriptions 校外, you will be responsible for a co-pay – insurance pays the remaining balance.
Pharmacy benefit questions: Call 1-855-828-7716
Specialty drugs can be processed through OptumRx Specialty Pharmacy or patient will pay 40% of the cash value at any non-preferred specialty pharmacy. Coborn’s is not an Optum-preferred pharmacy for specialty drugs.
This program provides immediate access to doctors, 医院, 药店, and certain other services when faced with a travel or medical emergency while traveling. Services are available when traveling 100 miles or more from your permanent residence or abroad.
请检查您的 全球应急服务 好处 prior to international travel:
Students must call 美国医疗保健 Global first in order to arrange these 好处.
To contact UnitedHealthcare Global:
Daily, round-the-the-clock help, included with your student insurance plan.
拨打1-877-862-1172查询:
查看您的 牙科福利 (PDF) or call 1-800-816-3596.
儿科牙科有500美元.00的免赔额. You must pay all of the costs for these services up to the specific deductible amount before this plan begins to pay for these services.
儿童视力服务
查看您的 视觉的好处 (PDF)或致电1-800-839-3242.
An explanation of 好处 is a statement that gives all the details about what your health insurance plan covers, 这个计划不包括什么, and how much money needs to be paid.
可扣除的
A deductible is the amount of money you owe for health care services your health insurance or plan covers before your health insurance or plan begins to pay.
For example, if your deductible is $1,000.00, your plan won't pay anything until you've met your $1,000.00的免赔额 for covered health care services subject to the deductible.
*的 deductible may not apply to all services.
共同保险
Co-insurance is your share of the costs of a covered health care service, calculated as a percent (例如, 20%) of the allowed amount for the service. You pay co-insurance plus any deductibles you owe.
For example, if the health insurance or plan's allowed amount for an office visit is $100.00 and you've met your deductible, your co-insurance payment of 20% would be $20.00.
的 health insurance or plan pays the rest of the allowed amount.
元钱
A 元钱 is a fixed amount of money, 例如, $15, you pay for a covered health care service, usually when you receive the service.
的 amount can vary by the type of covered health care service.
New international students must pay their insurance in full before registering for classes.
当前的学生 must pay their health insurance in full each year.
New exchange and sponsored students must pay their health insurance in full.
J-1 exchange visitors and any of their J-2 dependents must purchase valid health insurance for their duration of stay in the United States.
Enrollees in our international health insurance policy may also qualify to purchase insurance coverage for their dependents.
Learn more about requirements for refunds on insurance payments.