Disclaimer

1. Disclaimer • Please keep in mind that this tutorial is a “general guideline”. It in NO WAY guarantees coverage by the insurance company. • The only way to get an estimate on a procedure is to collect all of the necessary information and submit it to the insurance so they can do a pre-determination estimate. Unfortunately with insurance there usually is never a 100% answer. • For any questions, contact healthsvcs_sia@stcloudstate.edu

2. Where you can go for healthcare • SCSU Students should use Student Health Services • In the Metro area - MnSCU college students can go to Boynton Health Service (U of M) http://www.bhs.umn.edu/ • To find a Network provider/clinic near you go to: www.uhcsr.com/stcloudstate  - select UHC options PPO - search for physician/hospital - Enter Search Criteria – Select Specialty - View Results

3. What do you have to pay • Medication and Health Care should be paid at 100% for covered services by the insurance up to $500,000 per sickness or injury. • 20% + $50 deductible (per injury/illness) outside of the Campus Health Center for Pharmacy (medication) and Health Care. With an SHS referral your deductible should only be $25.

4. Additional Requested Benefits • 1 Office visit charge for travel, sports, school admission, employment or pap/pelvic exam. • STD/STI testing: Gonorrhea, Chlamydia, and HIV testing. • All of the above are ONLY covered at a Campus Health Center (Boynton does not count as a Campus Health Center). • Acne treatment and medication • Up to $100 per year for a routine eye exam (at a network provider) International Plan only

5. Global Emergency Services • Administered through FrontierMEDEX • In the US 1-877-488-9833 • Outside the US 1-609-452-8570 • Arrangements must be made by FrontierMEDEX or no benefits are paid

6. Understanding the Process • Use the Emergency Room ONLY for life-threatening illness/Injury or potential for permanent disability. • Average Ambulance costs (transportation only) $1300 (based on St. Cloud Costs). In some cultures it is customary to go to the hospital with any and all medical needs, however, if you do that here in the US you will end up with large bills that you will be responsible to pay. You can always call the nurseline (1-877-643-5130) or use Student Health Services. If they are closed, go to your network’s urgent care facilities.

7. Examples of Non-covered Services • Eyeglasses (frames, contacts) • Over the counter drugs that do not require a prescription • Dental (unless injury to sound natural tooth) • Sleep disorders

8. Why is Insurance Mandatory? • MnSCU, which governs the Minnesota Colleges and Universities, has a policy in place which requires all MnSCU F-1 / J-1 International Students to purchase the mandatory Student Health Insurance. Procedure 3.4.1 under Policy 3.4 Part 3 says:  Part 3. International Students. International students must purchase the system-approved student health insurance, except those students whose sponsoring agency or government certifies that the student is covered under a plan provided by the sponsoring agency or government.

9. Questions, Information, or Concerns • SCSU Student Insurance Advocate healthsvcs_sia@stcloudstate.edu • Student Insurance Website: https://www.uhcsr.com/stcloudstate • Phone: 1-888-251-6243 • Nurseline: 1-877-643-5130