Insurance and Billing Guidance

St. Cloud State University offers mental health support to students and provides detailed guidance on insurance and billing procedures. We accept many major health insurance plans, allowing eligible students to have charges billed directly by presenting valid insurance information. For those without billable insurance, students are responsible for payment but may seek reimbursement from their provider. 

Billing and Insurance: All SCSU Students

International Student Insurance

Understanding your student insurance 

  • United Healthcare Student Resources: Log in to your account to print your insurance card, view benefits, find a provider, view claims, and update your address. 
  • Depending on where you receive medical treatment, there may be differences in cost for the same services.
  • If you have questions regarding coverage on or off campus, contact the Student Insurance Advocate at studentinsurance@stcloudstate.edu or call (320) 308-4855.

Helpful videos about your international student insurance plan

Pharmacy and Prescriptions

Using Coborn’s Pharmacy on Cooper Ave, St. Cloud

  • Generic prescriptions: covered at 100% by the insurance company – That means no cost to you!
  • Brand-name prescriptions: patient pays a $15 co-payment, 100% of the rest of the cost is covered.
  • Automatic refill, text reminders and mail service for your prescriptions are available.

Using any other pharmacy

 Patients will be responsible for one of the following rates:

  • Tier 1- Patient pays $15
  • Tier 2- Patient pays $30
  • Tier 3- Patient pays 40% Co-insurance
  • To determine your cost, please review the medication tier-level.

Non prescription (over-the-counter) medications are available at all pharmacies and do not require a prescription from a medical provider. They are not covered by this insurance plan and will be the patient’s responsibility.

Minnesota State Health Requirements

  • New international degree-seeking students must pay their health insurance before registering for classes.
  • Exchange students who are not seeking a degree and those who will be here only for a short time, are also required to purchase university health insurance. Costs vary depending on your time of study and are outlined in your welcome packet.
  • An immunization record is required for many students attending St. Cloud State.

International Student Insurance FAQ

 

Plymouth International Students

Good Faith Estimate

You have the right to receive a "Good Faith Estimate" explaining how much your health care will cost.

Under the law, health care providers need to give patients who do not have insurance or who are not using insurance an estimate of their bill for health care items and services.

  • You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipments, and hospital fees.
  • If you schedule a health care service at least three business days in advance, make sure you health care provider gives you a Good Faith Estimate in writing within one business day after scheduling. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service.
  • If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
  • Make sure to save a copy or picture of your Good Faith Estimate.

For questions or more information about your right to a Good Faith Estimate:

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