We are continuously improving how we provide excellent services for our students. This includes utilizing an Electronic Health Record (EHR) system, which we share with the Medical Clinic. Both clinics use the client “portal” for communication, paperwork requests, and other important information related to your healthcare. The portal is located at myhealthservices.stcloudstate.edu. Using this portal requires a University email address.
All Huskies should monitor their St. Cloud State email account for messages on appointments, forms to complete, and other important information.
If you have any questions or would like to make an appointment, please call the counseling center at 320-308-3171. You can request an appointment through the website too. We look forward to helping you on your path to wellness!
Project Care is a FREE service that helps our students, faculty, and surrounding community fnd affordable health insurance options through MNsure. Project Care’s team of Navigators will explain your options, help you find the best coverage for you and your family, and assist you through every step of the enrollment process. Some coverage has $0 monthly premiums and very low co-pays. Other plans have slightly higher costs, but there are subsidies available to help most enrollees.
Insured: The individual (you) whose health is covered by the insurance plan or policy.
Insurer: The company responsible for paying claims (your insurance plan or policy).
Provider: The facility (clinic, hospital, etc.) or the licensed professional (doctor, psychologist, social worker, etc.) employed by the facility, who provides health care or mental health services.
Summary of Benefits and Coverage: A document that outlines what services are covered and not covered, and cost-sharing amounts.
Covered Service: A healthcare, mental health, or behavioral health visit that is paid, partially or fully, by a health insurance plan.
Non-Covered Service: A healthcare, mental health, or behavioral health visit that is not paid by a health insurance plan and will be 100% the responsibility of the insured (you).
Cost-Sharing Amount: The insured’s (your) share of costs for services that the insurance plan covers that must be paid out of the insured’s own pocket (sometimes called “out-of-pocket costs”). Some examples of cost sharing are copayments, deductibles, and coinsurance.
Copayment: A form of cost sharing in a health insurance plan that requires an insured person (you) to pay a fixed dollar amount (for example $25) when a medical service is received.
Deductible: A fixed dollar amount during the benefit period - usually a year - that an insured person (you) pays before the insurer (your health insurance plan) starts to make payments for covered medical services. Plans may have both per individual and family deductibles. Deductibles are usually set at rounded amounts (such as $500 or $1,000).
Coinsurance: A form of cost sharing in a health insurance plan that requires an insured person (you) to pay a stated percentage (for example 20%) of covered medical expenses after the deductible amount, if any, was paid.
Network: The facilities, providers and suppliers a health insurer or plan has contracted with to provide health care or mental health services.
Network Provider: A provider who has a contract with a health insurer or plan who has agreed to provide services to members of that plan. Since insurance plans have negotiated lower rates with network providers, the insured (you) will pay less if using a provider in the network. Also called preferred provider or participating provider.
Out-of-network Provider: A provider who doesn’t have a contract with a health insurer or plan to provide services. If an insurance plan covers out-of-network services, the insured (you) will usually pay more to see an out-of-network provider than a preferred provider. Some health insurers or plans will not cover any out-of-network services, or cost sharing amounts will be higher. May also be called non-preferred or non-participating.
Allowed Amount: This is the maximum payment the plan will pay for a covered health care service. May also be called eligible expense, payment allowance, or negotiated rate. When the insured uses a network provider, the negotiated rate or allowed amount is used for payment.
Preauthorization: A decision by a health insurer or plan that a health care service, treatment plan, prescription drug or durable medical equipment (DME) is medically necessary. Sometimes called prior authorization, prior approval or precertification. A health insurer or plan may require preauthorization for certain services before insureds receive them, except in an emergency. Preauthorization isn’t a promise a health insurer or plan will cover the cost.
Referral: An official notice from a qualified provider to an insurer that recommends specialist treatment for an insured.
Maximum out-of-pocket expense: The maximum dollar amount the insured is required to pay out of pocket during a year. Until this maximum is met, the insurer (health plan) and the insured (you) shares in the cost of covered expenses. After the maximum is reached, the insured (health plan) pays all covered expenses, often up to a lifetime maximum.
Lifetime maximum: The maximum dollar amount the insured may receive under a health insurance policy or plan. Once a lifetime maximum is reached, the insurance plan will no longer pay for covered services.