Student Health Services

Insurance

Using Insurance at Student Health Services

Student Health Services has established contracts with many major health insurance plans. Students with these insurance plans can have their charges billed directly by presenting a valid insurance card with policy information.

Learn more about international student insurance.

If you do not have insurance or have a plan we are unable to bill directly, you are responsible for charges. After you have paid for your charges at the Student Health Services Medical Clinic, you may be able to submit the charges to your insurance company for reimbursement. Contact us if you have questions.

Please bring your insurance card to every visit. Keep in mind that even though our Medical Clinic may not bill your insurance, the pharmacy may be able to.

Co-Pay

On your insurance card there may be a co-pay charge. This is the amount that must be paid by the student at the time of the office visit. Your insurance will not pay this amount.

We accept cash, checks, Visa, MasterCard, Discover, American Express and Campus Cash.

International Student Insurance

Minnesota State health requirements

New students

  • New international degree-seeking students must pay their health insurance before registering for classes. The health insurance charge for the 2017-2018 academic year is $1,465.

  • 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.

Current students

  • Payment must be made prior to fall registration (Fall registration begins in April). A hold preventing registration will be on the student's account until the entire amount is paid. Health insurance payments can be made to the cashier.

  • Insurance policies are in effect from Aug. 10 to the following Aug. 9. For example, insurance for 2018-19 is effective from 8/10/2018 to 8/09/2019.

Understanding your student insurance 

*Covered medical services provided at Student Health Services are paid at 100 percent through United Healthcare.

Pharmacy Benefits at Student Health Services

  • Generic prescription drugs, including contraceptives, are covered at 100 percent
  • Brand-name prescriptions drugs, including contraceptives, are covered at 100 percent after a $15 co-pay
  • Pharmacy benefit questions:  Call 1-855-828-7716

Nurseline

Students with this insurance have access to nurse advice and health information 24 hours a day, seven days a week. Call the Collegiate Assistance Program at 1-877-643-5130  PIN: 211. This number is printed on your insurance card.

Payment for insurance

International degree-seeking students:

  • New students must pay their health insurance before registering for classes
  • Returning students must pay in early April, prior to fall registration 

More Information

If you have questions or concerns about this insurance, email healthsvcs_sia@stcloudstate.edu

Obtaining Health Insurance

Getting health insurance is complicated. The Project Care is here to help with your questions about MNsure.

About MNsure

MNsure is a marketplace to shop for insurance. Once a person completes an application, MNsure will show the options available for your circumstances.  MNsure is available to US students. While international students are required to use United Healthcare insurance, international students can access MNsure to determine if their dependants are eligible for insurance. 

Project Care 

Project Care is a program that helps people who are uninsured or underinsured enroll in a public healthcare program. Project Care also provides help through all steps of applying for Medical Assistance (MA) or MinnesotaCare and also helps with all healthcare program renewals.

In collaboration with several departments at St. Cloud State, Project Care helps students get health insurance. Campus partners include: Counseling and Psychological Services, LGBT Resource Center, Student Health Services, Student Parent Support Center, and the Women’s Center.

Health Insurance is Required

By law, every adult is expected to have health insurance. If not, a person will have to pay a penalty in taxes. The penalty for not having insurance in tax year 2017 is $695 or 2.5 percent of your total Adjusted Gross Income, whichever is greater.

Most of the time, students are eligible for free or low-cost insurance. 

Student Rights

  • Student Health Services will provide medical care for St. Cloud State students, regardless of insurance coverage
  • Students can access free assistance by enrolling in the MNSure marketplace at one of several enrollment labs on campus

Plan Ahead

Students in college are able to stay on their parent’s insurance until age 26. As you approach 26, figure out your options for health coverage.  

Resources

Reality Check

  1. The number one cause of bankruptcy in the U.S. is medical bills. [1]
  2. The tax penalty in 2017 for being uninsured was $695.00 or 2.5% of your income, whichever amount was greater. [2]
  3. Since the MNSure Project began at SCSU in 2013, approximately 400 students have received health insurance.
  4. The average cost of an ambulance ride to a hospital for someone without health insurance ranges from $450.00-$1900.00. [3]
  5. The average cost to treat a broken arm for someone without health insurance in Minnesota ranges from $2,500.00-$10,000.00. [4]
  6. Since the ACA was implemented, the number of uninsured college students in the U.S. has decreased to almost 10%. [5]

[1] Mangan, D. (2013, July 24). Biggest Cause of Personal Bankruptcies? Medical Bills. Retrieved May 03, 2017, from http://www.cnbc.com/id/100840148

[2] Individual Mandate Penalty You Pay If You Don't Have Health Insurance Coverage. (n.d.). Retrieved May 03, 2017, from https://www.healthcare.gov/fees/fee-for-not-being-covered/

[3] Gilbert, C. (2015, March 09). Ride to the hospital now, pay later -- and pay and pay. Retrieved May 03, 2017, from https://www.mprnews.org/story/2015/03/09/ambulance-fees

[4] How Much Does It Cost? (2005). Retrieved May 3, 2017, from www.mnhealthplans.org/consumers/documents/howmuchdoesitcost2005.doc

[5]  ObamaCare: Uninsured Rates. (n.d.). Retrieved May 03, 2017, from http://obamacarefacts.com/uninsured-rates/

Birth Control and Family Planning Services

About the Minnesota Family Planning Program

If you are a student, chances are very good you can get these birth-control services at no cost to you:

  • The pill, the shot and the ring
  • Emergency contraception
  • Family-planning education
  • Birth control exam and laboratory services

Criteria to enroll at Student Health Services:

  • Registered St. Cloud State student
  • Between 15 and 50 years of age
  • Minnesota resident
  • U.S. citizen
  • Not pregnant
  • Not enrolled in Medical Assistance (MA), MinnesotaCare or other state-funded program
  • Earn no more than the monthly income limits listed below:
Family Size Monthly Income Limit
You $2,010
You and one child $2,707
The income limit is your gross monthly wages before taxes are taken from your paycheck. If you are a student, parental income and parental health insurance do not affect your eligibility.

Enroll in the Minnesota Family Planning Program

Email healthsvcs_free4u@stcloudstate.edu to schedule an appointment. Have this information with you at the appointment:

Income

If you are employed, show proof of income: The last 30 days of paystubs or an employer letter verifying your monthly wages.

Proof of citizenship

Birth certificate or passport or immigration documents.

Proof of residency

Minnesota driver's license and St. Cloud State ID.

Application

Completed MFPP application (PDF).

Questions?

Email questions to healthsvcs_free4u@stcloudstate.edu.

Minnesota Family Planning Program is a federal grant to prevent unplanned pregnancies. More information is available at the Minnesota Department of Human Services.