Health insurance is required for all F-1 and J-1 students and scholars at St. Cloud State.
This requirement protects and provides a health plan against financial hardship resulting from the need for medical attention.
The United States does not have a national health care system available to non-immigrant students/scholars; therefore, the cost of medical care is the responsibility of the student/scholars.
Because medical costs in the United States are high, St. Cloud State requires new and transferring F-1 and J-1 international students and J-1 scholars to purchase the Minnesota State system's Student Health Plan.
Covered medical services provided at the on-campus Medical Clinic are paid at 100 percent through United Healthcare. (F-1 and J-1 international students only)
Students may contact the Student Insurance Advocate in a variety of ways:
Phone: 320-308-4855 / Email: studentinsurance@stcloudstate.edu / Visit: Medical Clinic during business hours.
With the UHCSR app, students can access their ID card, explore Care Options, search for in-network providers and view claims.
The Medical Clinic provides preventative care and diagnosis and treatment of illnesses and injuries.
United Healthcare includes access to a national network of health care professionals. Login into MyAccount or the mobile app and then enter the closest zip code to where you seek medical medical care.
Medical Clinic is your primary clinic, if you are an F-1 or J-1 international student attending St. Cloud State.
*Appointments are based on schedule availability.
Included with your student insurance plan, provided by HealthiestYou, is 24 hour access to board-certified physicians online or on the phone.
Totally worth it for minor stuff (like allergies, pink eye and earaches), the doctors can even send a prescription to your preferred pharmacy.
Coborn’s Pharmacy at 900 Cooper Ave S, St Cloud, MN 56301
The benefit for $0 generic and $15 brand is available to international students when they use the Coborn’s Pharmacy on Cooper Ave in St. Cloud.
Generic prescription drugs, including birth control, are covered at 100%The “copay tiers” will apply if the student fills their prescriptions at any other Coborn’s or network pharmacy.
Off-Campus
If you receive prescriptions off-campus, you will be responsible for a co-pay – insurance pays the remaining balance.
Pharmacy benefit questions: Call 1-855-828-7716
Specialty drugs can be processed through OptumRx Specialty Pharmacy or patient will pay 40% of the cash value at any non-preferred specialty pharmacy. Coborn’s is not an Optum-preferred pharmacy for specialty drugs.
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.
Please review your Global Emergency Services benefits prior to international travel:
Students must call United Healthcare Global first in order to arrange these benefits.
To contact UnitedHealthcare Global:
Daily, round-the-the-clock help, included with your student insurance plan.
Call 1-877-862-1172 for:
View your dental benefits (PDF) or call 1-800-816-3596.
Pediatric Dental has a $500.00 deductible. You must pay all of the costs for these services up to the specific deductible amount before this plan begins to pay for these services.
Pediatric Vision Services
View your vision benefits (PDF) or call 1-800-839-3242.
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.
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 $1,000.00, your plan won't pay anything until you've met your $1,000.00 deductible for covered health care services subject to the deductible.
*The deductible may not apply to all services.
Coinsurance
Co-insurance 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 co-insurance plus any deductibles you owe.
For example, if the health insurance or plan's allowed amount for an office visit is $100.00 and you've met your deductible, your co-insurance payment of 20% would be $20.00.
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.
New international students must pay their insurance in full before registering for classes.
Current students must pay their health insurance in full each year.
New exchange and sponsored students must pay their health insurance in full.
J-1 exchange visitors and any of their J-2 dependents must purchase valid health insurance for their duration of stay in the United States.
Enrollees in our international health insurance policy may also qualify to purchase insurance coverage for their dependents.
Learn more about requirements for refunds on insurance payments.