International Mandatory Insurance
How Much Does The Insurance Cost?
The cost of the insurance is approximately $1340.00 per year; for an accurate quote, you may:
- E-mail us at: firstname.lastname@example.org and we will respond to you the same day.
- Call us at (800) 367-5830 and ask for an international account representative; or,
- Check with your school administration office or at the international student office.
What If I Do Not Wish To Purchase A Full 12 Months?
Your school may require you to purchase insurance in increments which may include 12 months; in that event, you have no choice. On the other hand, if your school has no set requirement, we will try to accommodate you as much as possible. You may telephone or email us. There are some major disadvantages to purchasing less than one semester at a time: your insurance coverage may expire and create a "gap" thus interrupting your coverage. A gap in coverage may lead to serious consequences such as exclusions for "pre-existing conditions".
Can I Pay Month To Month?
Unless Student Insurance has made special arrangements with your school, you must contact us to determine the period you may purchase. Your school may require you to purchase a minimum of five, six, seven or twelve months.
I Must Return To My Home Country? Do I Get My Money Back?
RThere will be no refunds issued.
Can I Transfer To Another College And Keep This Insurance?
Our international student medical insurance plan complies with all the federal mandates; that means it is valid at any institution you attend. Your new institution, on the other hand, may wish you to purchase their designated plan. Speak to the advisor at your new school and show him/her our plan. If they have any questions, ask them to contact us. We insure many colleges, institutions and schools and it is possible that the school you are transferring to may already be our client.
When Does My Coverage Start?
Generally your school determines when your coverage becomes effective. If not, the insurance becomes effective the first day of the semester for which you have chosen to pay. Please note the deadline dates on the enrollment form.
What If I Have Insurance From My Home Country?
- Consult your school administrator or your international student advisor.
- Fax us a copy of the plan from your home country; we will analyze it and advise you if it meets the requirements of U. S. law.
- Remember that our plan provides you with numerous advantages which are not available through the insurance from your home country and that doctors' offices in the United States prefer to deal with a local insurance company.
Does This Insurance Cover My Automobile?
This insurance covers illness, sickness and accidents. THIS INSURANCE WILL NOT COVER YOUR AUTOMOBILE. If you own or drive an automobile, you must have automobile insurance.
How Can I Get Literature On What My Insurance Covers? Is There A Brochure?
Click here To download an international student accident & sickness brochure. The brochure will explain what the insurance covers and doesn't cover.
For Coastline and Santa Ana college students, click here to access your international student accident & sickness brochure.
Am I Covered In An Automobile Accident?
Under California law, you may not drive an automobile without automobile insurance. If you are involved in an automobile accident, please e-mail or call us and we will assist you to coordinate the medical payments.
Am I Covered In My Home Country?
Your International Student Health Plan covers you anywhere in the world except your home country. See excess provision for specific information regarding coverage on page 2 of your brochure.
What Do I Do If I Need To See A Doctor?
- When you need medical care, go to the Campus Health Center first. If the Health Center cannot treat you, click here to locate a Medical Provider in the PPO Network. You may be referred to one of the designated medical facilities by the Health Center. You must tell the doctor to mail all medical (HCFA 1500 form) and hospital (UB 92 form) bills along with your name, address, social security number or school I.D. number and the name of your college to the claims office. A CLAIM FORM IS NOT REQUIRED FOR FILING A CLAIM EXCEPT FOR Coastline and Santa Ana College students who must file a claim form for each injury or sickness. To download a claim form click here.
- If the Health Center is closed, click here to locate a Medical Provider in the PPO Network. Tell the doctor's office or hospital to include with the medical bills (HCFA-1500 form/UB 92 form) and send to the claims office at UnitedHealthcare StudentResources, PO Box 809025, Dallas TX 75380-9025.
Coastline and Santa Ana students please click here. Please send the bills to; MCA ADMINISTRATORS, P.O.BOX 6540, Harrisburg, PA 17112.
I Have To See A Doctor But I Haven't Received My Insurance Id Card Yet. Can I Get A Temporary One?
To download a temporary ID card, click here.
Coastline and Santa Ana college students, click here
I Lost My Insurance Id Card, How Can I Get Another Card?
Coastline and Santa Ana college students, click here.
Are There Any Forms To Fill Out? Where Do I Get Them?
- There are no forms to complete when you see a doctor. EXCEPT FOR Coastline and Santa Ana students who must submit a claim form. you can obtain this form by clicking here.
- If you pay for your prescription in full, you will be reimbursed for the insurance portion. To obtain reimbursement, you must complete a Prescription Reimbursement Claim Form. Click here for a copy of the form. Coastline and Santa Ana students click here.
Do I Have To Go To A Specific Doctor?
- Your approved medical doctor must be a member of the UHC-Options PPO. Click here to search for providers in your area.
- For Coastline and Santa Ana college students, your doctor must be contracted with first health network. click here to search for providers in your area.
- If you choose a provider who is not a member of UHC or First Health Network, you will have to pay the deductible plus any co-pay charges and a minimum of 20% of the total bill. If you visit the Emergency Room of a member hospital, you will pay a $100.00 co-pay. If you choose an Emergency Room at a hospital that is not a member of UHC, you will pay the $100.00 co-pay plus a minimum of 20% of the total bill. Please be aware that if you are treated at a PPO hospital, it does not mean that all providers at the hospital are ppo dr's. If you are referred by a doctor to another facilty or doctor, this does not mean that they are also ppo providers. You will be responsible for all co-pays, decuctibles and 20% coinsurance costs.
What If The Doctor Does Not Take This Insurance And I Have To Pay?
- You will find that if you follow these instructions, the doctor will take this insurance.
- Have the doctor call us or our claims office at the number listed on your ID card.
- Should the doctor not accept this insurance, pay the doctor, keep the bills and contact our office and speak to a claims representative.
What If I See A Doctor But I Am Not Sick Or Injured?
This plan covers illness, sickness, accidental injuries and wellness. If you have any doubt or have any questions, call us at (800) 367-5830 or call our claims office at the telephone number listed in your benefit brochure and on your ID card.
What About My Prescription Benefit?
Click here to locate a participating pharmacy near you. At any participating pharmacy, you pay $15 co-pay for tier 1 prescriptions, a $30 co-pay for tier 2 prescriptions and 50% for tier 3 prescriptions.
Coastline and Santa Ana students click here to locate a participating pharmacy near you. At any participating pharmacy, you pay $15 co-pay for tier 1 prescriptions, a $30 co-pay for tier 2 prescriptions and 50% for tier 3 prescriptions.
How Do I Renew My Insurance Before It Expires?
If I Have More Questions, Where Do I Call?
We at STUDENT INSURANCE and our claims office are here to assist you with any of your questions and concerns:
- Call us at Student Insurance (800) 367-5830.
- Call the claims office at the number listed in your benefits brochure or on your ID card.