INTERNATIONAL
STUDENT INSURANCE FAQs
HOW MUCH DOES THE INSURANCE
COST?
The cost of the insurance is approximately $700.00 per year; student insurance enters into various agreements with different schools; for an accurate quote, you may:
1) E-mail us at: intl@studentinsuranceusa.com and we will respond to
you the same day.
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?
WHAT IF I HAVE TO GO BACK TO
MY HOME COUNTRY? DO I GET MY MONEY BACK?
In the event you must permanently return to your Country and there are no pending claims, you may qualify for a prorated refund—for the whole unused months. If you return to your home-Country for a short vacation, a refund will not be made to you. Any request for a refund must be in writing and only from your school official. Our refund policy is very strict. You must contact your International Student Office or us for further details.
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?
1) Consult your school administrator or your international student advisor.
2) Fax us a copy of the plan from your home country; we will analyze it and advise you if it meets the
requirements of
3) Remember that our plan provides you with numerous advantages which are not available through
the insurance from your home country and that doctors’ offices 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.
DOES THIS INSURANCE HAVE
DENTAL OR VISION BENEFITS?
Dental and Vision benefits are not covered under this plan; however, you may purchase a Dental and Vision Discount Plan from our website at www.studentinsuranceusa.com.
AM I COVERED IN AN AUTOMOBILE
ACCIDENT?
AM I COVERED IN MY HOME
COUNTRY?
Your International Student Health Plan covers you anywhere in the world including 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?
1) When you need
medical care, go to the
2) If the
3) If your school does not have a health center, follow instructions at #2 above.
ARE THERE ANY FORMS TO FILL
OUT? WHERE DO I GET THEM?
1) There are no forms to complete
when you see a doctor.
2) 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.
DO I HAVE TO GO TO A SPECIFIC
DOCTOR?
1)
Your approved medical doctor must be a member of the UHC-Options
PPO. Click here to
search for providers in your area.
2)
If you choose a provider who is not a member of UHC, 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 $50 co-pay.
If you choose an Emergency Room at a hospital that is not a member of UHC,
you will pay the $50 co-pay plus a minimum of 20% of the total bill.
WHAT IF THE DOCTOR DOES NOT
TAKE THIS INSURANCE AND I HAVE TO PAY?
1)
You will find that if you follow these instructions, the doctor will
take this insurance.
2)
Have the doctor call us or our claims office at the number listed on
your ID card.
3)
Should the doctor not accept this insurance, pay the doctor, keep the
bills and send them to our
claims office at UHCSR,
WHAT IF I SEE A DOCTOR BUT I
AM NOT SICK OR INJURED?
This plan covers only illness,
sickness and accidental injuries. No preventive care other than one PAP per
year. 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 a $10 co-pay for tier 1 prescriptions, a $25 co-pay for tier 2 prescriptions and 50% for tier 3 prescriptions.
HOW DO I RENEW MY INSURANCE
BEFORE IT EXPIRES?
1) Go to the International Student Office, complete an application and send it with payment to our office.
2) Click here to enroll on-line at our website using a VISA or Mastercard.
3) Click here to download an enrollment form for your
college.
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:
1)
Call us at Student Insurance (800) 367-5830.
2)
Visit us on our website: www.studentinsuranceusa.com.
3)
Call the claims office at the number listed in your benefits brochure
or on your I.D. card.