International Student Health Insurance
The United States does not have a national health care system available to nonimmigrant students; therefore, the cost of medical care is the responsibility of the student.
All new and returning international students and visiting scholars must purchase the Minnesota State colleges and universities approved health insurance plan except those whose sponsoring government or agency has a health insurance plan covering the student while in the U.S. (This does NOT refer to a government sponsored health insurance plan such as universal healthcare). This mandatory insurance policy exists for the protection of international students and visiting scholars, and provides a health plan against financial hardship resulting from the need for medical attention.
- The rate is $2,346.00 for the period August 10, 2024–August 9, 2025.
- If you do not pay for your health insurance in full, your courses will be dropped. A hold will then be placed on your account until the amount is paid in full.
- Please prioritize paying for insurance before paying tuition. It is NOT possible to add the insurance to a monthly payment plan.
United HealthCare Student Resources (UHCSR)
Metro State University | UnitedHealthcare Student Resources (uhcsr.com) provides students with easy access to their account, benefit, and coverage information. All UHCSR accounts and websites are updated in a timely manner by the company to comply with any benefit changes.
UHCSR Login and Mobile App
Approximately 1–2 weeks after you have made payment in full for the international student health insurance policy, you will receive an email from United HealthCare with login instructions.
Login to My Account to access and manage your policy. To create your account, please use your Metro State student ID number. See How to Create My Account for help setting up your UHCSR account.
With the UHCSR app, students can access their ID card, explore Care Options, search for in-network providers, and view claims. For mobile access, download UHCSR’s mobile app from your smartphone (UHCSR Mobile App), available on the App Store or Google play.
For a tour of your UHCSR account's features, including how to request an ID card, see My Account Overview.
United HealthCare includes access to a national network of health care professionals. Login into My Account or the mobile app and then enter the closest zip code to where you seek medical care. If you are unsure where to seek care, see Not Sure Where To Go. You can also view How to Find a Provider and Cost Estimator, for instructions on finding health care providers and comparing costs of care through your UHCSR account.
Your UHCSR insurance plan offers you:
Unlimited coverage for primary care providers, specialists, emergency visits, and hospitals.
Unlimited coverage for preventative care, including annual physicals, GYN exams, routine screenings, and immunizations.
Unlimited Coverage for mental health.
2024–2025 Minnesota State Schools Inbound International Summary of Benefits
|
Plan Design (per person, annually) |
In-Network |
Out-of-Network |
|---|---|---|
|
Annual Deductable |
$50 per injury or sickness |
$50 per injury or sickness |
|
Coinsurance |
20% |
20% |
|
Out-of-Pocket Maximum (individual) |
$6,350 |
$6,350 |
|
Out-of-Pocket Maximum (family) |
$12,700 |
$12,700 |
|
Office Visit |
80% after deductable |
80% after deductable |
|
Specialist Visit |
80% after deductable |
80% after deductable |
|
Preventative Care |
Covered in full |
Not covered |
|
Urgent Care Center |
80% after deductable |
80% after deductable |
|
Emergency Department |
80% after deductable |
80% after deductable |
|
Prescription Drug Coverage—30 Day Supply |
Tier 1: $15 copayment |
Not covered |
After UHCSR has paid $2,500, benefits will be considered at 100% of the allowed amount.
Covered medical services provided at the following medical clinics are paid at 100% through United HealthCare:
To find in-person health care near you, go to www.uhcsr.com/metrostate and click on the Find Providers tab. Note: a "Network" is made up of facilities, providers, and suppliers contracted with your health care plan to provide health care services.
Remember that, for in-person office visits, injuries, or illness visits, you will pay a $50 deductible plus 20% of the final bill.
For preventative care services office visits, you will pay $0; 100% will be covered by UHCSR for in-network preventative care. To understand what is considered preventative care, see www.healthcare.gov. Non-preventative services will be patient responsibility.
Your UHCSR plan provides access to University of Minnesota Boynton Health, including the Gopher Quick Clinic, Family Health Clinic, Lab, Immunizations, and pharmacy.
For covered in-person office visits, injury, or illness visits, you will pay a $10 copay. Lab and other service fees may apply. You will pay $0 for preventative health care visits; 100% will be covered by UHCSR. To understand what is considered preventative care, see www.healthcare.gov. Non-preventative services will be patient responsibility.
Please call Patient Accounting prior to visiting Boynton Health: 612.624.6985
To locate a specific type of needed medical care, use United HealthCare's Options search; enter your myuhc.com account to begin.
To locate a specific type of needed mental health care, use Live and Work Well's provider search.
Included with your student insurance plan, and provided by HealthiestYou, is 24/7/365 access to board-certified physicians online or on the phone (where permitted).
This service is particularly useful for minor ailments like allergies, pink eye, or earaches. The doctors on Telehealth can even send a prescription to your preferred pharmacy.
*This benefit is included in this plan. Separate enrollment is not required.
- Talk to a licensed physician 24 hours a day, 7 days a week.
- Free of charge.
- Save money and time.
- Toll free # is on your SR ID card or in My Account.
HealthiestYou can provide the professional counseling you need to relieve whatever challenges you may be facing.
Psychiatrists, psychologists and licensed therapists are available to you via phone and video at no cost to you. With this convenient and confidential service, included with your insurance plan, you'll be given the opportunity to choose a counselor that best fits your needs.
While HealthiestYou isn't a crisis solution, it's great for ongoing help with things like anxiety, eating disorders, depression, and other mental health issues that can be overwhelming. Don't wait—get help and get happy!
*This benefit is included in this plan. Separate enrollment is not required.
- Psychiatrists, psychologists and licensed therapists available anytime, anywhere
- Free of charge
- Convenient access through the HealthiestYou app
- Save money and time
- Find additional information in your My Account
StudentAssist's specialists are there to help you deal with everything from missing your loved ones to helping review your lease.
Call any time, any day. Talk to them about anything and everything—it’s all totally confidential!
*This benefit is included in this plan. Separate enrollment is not required.
- 24/7 in the moment support
- Legal advice
- Answers with financial questions
- Access to mediation services
- Toll free # is on your SR ID card or in My Account
This program provides immediate access to doctors, hospitals, pharmacies, 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.
- Medical Assistance Services
- Medical Evacuation and Repatriation Services
- Evacuation Services
- Worldwide Destination Intelligence
- Travel Assistance Services
UnitedHealthcare Global arranges and pays for all medical evacuation and repatriation services it provides. There are no maximum limits on the assistance services arranged and provided by UnitedHealthcare Global. This alleviates many of the obstacles and potential transportation expenses that medical emergencies away from home can pose.
*This benefit is included in this plan. Separate enrollment is not required, though students must call United Healthcare Global first in order to arrange these benefits.
To contact UnitedHealthcare Global:
- Call: 1.877.461.2273 (toll-free inside the U.S.) or 1.410.453.6330 (Collect outside the U.S.)
Email: assistance@uhcglobal.com
Find participating pharmacies through the Optum Rx pharmacy locator.
Remember there are 3 tiers for prescription coverage:
- Tier 1: you pay up to $15 or total medication cost, with insurance covering the balance
- Tier 2: you pay up to $30, with insurance covering the balance
- Tier 3: you pay up to $40, with insurance covering the balance
To determine the tier level of a particular medication, go to www.uhcsr.com/metrostate > Helpful Links > Prescription Drug List.
Covered vision services include one vision examination with an in-network eye doctor per policy year, with a $50 deductable, 80% insurance coverage up to $100, and student responsible for 20% of final bill.
Eyeglasses, contact lenses, and contact lens fitting costs are not covered.
Go to My UHC Vision to find vision care providers.
- Explanation of Benefits (EOB): An explanation of benefits is a statement that gives all the details about what your health insurance plan covers, what the plan does not cover, and how much money needs to be paid. See What is an EOB for more information.
- Deductible: 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, your plan won't pay anything until you've met your $1,000 deductible for covered health care services subject to the deductible.
*The deductible may not apply to all services. - Coinsurance: Coinsurance is your share of the costs of a covered health care service, calculated as a percent (for example, 20%) of the allowed amount for the service. You pay coinsurance plus any deductibles you owe.
For example, if the health insurance or plan's allowed amount for an office visit is $100 and you've met your deductible, your coinsurance payment of 20% would be $20.
The health insurance or plan pays the rest of the allowed amount. - Copay: A copay is a fixed amount of money, for example, $15, you pay for a covered health care service, usually when you receive the service.
The amount can vary by the type of covered health care service.
See What are deductibles, coinsurance, and copays for more on those terms.
Eligible students who are enrolled in Metro State's international health insurance policy may also qualify to purchase insurance coverage from United HealthCare for their dependents.
Dependents include:
- Student's legal spouse
- Student's children under 26 years old
If/when the student's coverage ends, the dependent coverage also ends.
For more information on how to enroll your dependents in Metro State’s international health insurance policy, visit the United HealthCare Student Resources webpage. You will be required to complete a form from United HealthCare to request insurance coverage for your dependent. That form will require verification of eligibility from International Student Services.
If you have a change that results in having new dependents while under this coverage, fill out the Minnesota State Qualifying Life Event Request form (pending pdf).
Insurance Refunds and Cancellation of Coverage
International students may qualify for a refund for the following reasons:
- The student has been approved for OPT
- The student has transferred their SEVIS record to another college/university
- The student has been approved for an Authorized Early Withdrawal and will be leaving/has left the U.S.
- The student is no longer in F-1 or J-1 status
- The student has provided proof of insurance from their embassy or government entity who is providing full health insurance coverage in the U.S.
A student who requests cancellation of coverage will receive a refund of the unearned premium at the time of cancellation if the unearned premium is for a period of one month.
Application Procedures
- Complete the Student Health Insurance Petition for Refund form.
- Attach supporting evidence:
- SACM Financial Guarantee
- Proof of travel itinerary for departure outside the U.S.
- Proof of change of status approval
- Submit to International Student Services for review.
- The student's refund request will be emailed directly to the insurance company. (The student will be copied on the email.)
- If approved, the student will receive the refund money by check in six to eight weeks, at the address listed on the form.
For questions regarding your refund petition, call United Healthcare Student Resources at 1.888.251.6243 or email SIDPremium-CustomerService@uhcsr.com.
Minnesota Law (Minn. Stat.135A.14) requires students enrolled in a public or private post-secondary school in Minnesota be immunized against tetanus and diphtheria. The most recent vaccination must have been within the last ten years. Minnesota Law (Minn. Stat.135A.14) also requires students be immunized against measles, mumps and rubella (MMR). All doses of MMR vaccine must have been received after the age of 12 months. Students are exempt from this law if they were born before 1957, graduated from a Minnesota high school after 1996, or are enrolled in only one class or enrolled only in extension classes.
All students are required to complete a Metro State University Student Immunization Record form. Your student immunization record needs to be submitted within the first 45 days of your first semester or you cannot remain enrolled.
The Immunization Action Coalition has vaccine information in languages other than English.
Review the basics of immunization from the Minnesota Department of Health.
Exemptions are permitted under the following conditions:
- Recent Minnesota High School Graduate Exemption
- Students who graduated from a Minnesota high school in 1997 or later are exempt. If this applies to you, complete Part 1 of the immunization form.
- Transfer Student from another Minnesota Postsecondary Institution
- Students who have met the admission requirements as an enrolled student at another Minnesota postsecondary institution are exempt. If this applies to you, complete Part 2 of the immunization form (note: depending on the situation, you may be required to complete other sections as required).
- Medical Exemption
- An immunization may not be medically advisable for certain persons. If this applies to you, or if you had any of these diseases, Part 4 of the immunization form must be signed by your doctor.
- Conscientious Exemption
- Some people may be exempt from immunizations based on their religious or other conscientiously held beliefs. If you request a conscientious exemption, you must complete and have notarized the bottom portion of the immunization form.
Trisha Feia
Student Insurance Advocate | Immunization Coordinator | Referral Coordinator
Medical Clinic | St. Cloud State University
Eastman Hall 2nd Floor
Office: 320.308.4855
studentinsurance@stcloudstate.edu