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.
• Feel free to contact me with any questions
  Heather Oehrlein hloehrlein_at_stcloudstate.edu

2
Where you can go for healthcare

• University Students should use the Campus Health
  Center (Available on SCSU, MSU Mankato, Moorhead,
  and Winona campuses)
• 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

• 0 if you are seen at your Campus Health Center,
  for covered services. Medication and Health Care
  should be paid at 100 by the insurance (1000
  per covered injury/illness max for Domestic)
• 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.
• Pharmacy costs above the 250 pharmacy cap for
  acne meds and birth control pills must be paid up
  front (available ONLY at SHS).

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.
• Acne treatment and medication (250 cap on
  medication).
• All of the above are ONLY covered at a Campus
  Health Center (Boynton does not count as a Campus
  Health Center).

5
Travel Assistance

• This program is through Scholastic Emergency
  Services, Inc
• In the US 1-877-488-9833
• Outside the US 1-609-452-8570
• (call collect)
• SCOLASTIC MUST BE CONTACTED ASAP AFTER AN
  INCIDENT OR NO BENEFITS ARE PAID.
• The Student Travel Assistance Program is designed
  to help locate health care in an emergency when
  you are traveling more than 100 miles away from
  school.

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 always want call the nurseline
  (1-877-643-5130) or to use Student Health Center
  and if they are closed, go to your networks
  urgent care facilities.

7
Examples of Non-covered Services

• Preventative medicine, including
• Vaccines
• Dental (unless injury to sound natural tooth)
• Eye exams
• The reason preventative medicine is not included
  is because this is an accident and illness plan.
  Preventative medicine gets to be costly and the
  plans premium would go way up if this were
  included.

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

• Heather Oehrlein hloehrlein_at_stcloudstate.edu
• Student Insurance Website https//www.uhcsr.com/s
  tcloudstate
• Phone [phone]
• Nurseline 1-877-643-5130