International Student and Scholar Services

International Student and Scholar Health Insurance

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)

Welcome to United Healthcare Student Resources provides students with easy access to their account, benefit, and coverage information. All UHCSR accounts and websites are updated timely by the company to comply with any benefit changes.

Students may contact the Student Insurance Advocate in a variety of ways:

Phone: 320-308-4855 / Email: / Visit: Medical Clinic during business hours.



  • UHCSR will waive cost-sharing (deductible, copay, coinsurance) from March 18, 2020 through the national emergency.
  • Patients are eligible to receive more than one COVID-19 test per policy year, if ordered by physician or appropriately licensed health care provider.
  • The result of the test (negative or positive) does not have bearing over whether it’s covered by insurance but there are exceptions for when insurance won’t pay for the test. Please see next line.
  • Testing for the purposes of  Return to Work, School, or Sport is not a benefit of the policy and would be patient responsibility.


  • UHCSR will waive cost-sharing (deductible, copay, coinsurance) until Oct. 22, 2020.
  • After 10/22/2020, patient is responsible for a deductible and coinsurance as with any other illness and UHCSR will pay 80% for medical bills relating to COVID-19.

United Healthcare Account Information

UHCSR Login and Mobile App

Login to My Account to access and manage your policy
  • Create your account
  • Print your insurance card
  • View claims
  • Update your address
Creating your My Account is as Easy as 1-2-3!
Electronic ID Card

Mobile App

With the UHCSR app, students can access their ID card, explore Care Options, search for in-network providers and view claims.

Easy Access with UHCSR's Mobile App

How to Create My Account - VIDEO

How to Request an ID Card

How to Request ID Card - VIDEO

Provider Information

On-Campus Medical Clinic

The Medical Clinic provides preventative care and diagnosis and treatment of illnesses and injuries.

Off-Campus Medical Care

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. 

How to find a Provider and Cost Estimator - VIDEO

Benefits of your United Healthcare Insurance Policy

Medical Clinic

On campus medical clinic

Medical Clinic is your primary clinic, if you are an F-1 or J-1 international student attending St. Cloud State.

  • Covered medical services provided at the on-campus Medical Clinic are paid at 100 percent through United Healthcare.
  • Conveniently located on the main St. Cloud campus
  • Available for weekday appointments*

*Appointments are based on schedule availability.

Scheduling and Appointment - VIDEO


HealthiestYou 24 Hour Consultations

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.

  • Create an account
  • Talk to a licensed physician 24 hours a day, 7 days a week by calling 1-855-870-5858
  • Pay no consultation fee.
  • Save money and time.
HealthiestYou Frequently Asked Questions

Telehealth (For outside the U.S.)

  • We are encouraging members to take advantage of our Virtual Visit* capability, available through the HealthiestYou mobile app, or for more information through their (To find out if your plan includes this benefit or any other benefits, access your My Account and select My Benefits, then Additional Benefits.)
  • NEW FEATURES ADDED 04/01/2020: All UHCSR members now have access to Global Care via their HealthiestYou Mobile App. This allows visits from outside the U.S. at no charge to the member. In addition, the HealthiestYou App now provides a Symptom Checker.
  • UHCSR insureds have access at no charge, when included with their UHCSR medical plan, or at a $40 for all other students.

Prescription Medicine

Pharmacy Coverage

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%
  • Brand-name prescriptions drugs, including birth control, are covered at 100% after a $15 co-pay
  • 90-day supply on medication is available, if medical provider approves

The “copay tiers” will apply if the student fills their prescriptions at any other Coborn’s or network pharmacy.


If you receive prescriptions off-campus, you will be responsible for a co-pay – insurance pays the remaining balance.

  • Tier 1: $15
  • Tier 2: $30
  • Tier 3: 40% Coinsurance
  • 31-day supply on medication is available. If prescription has refills available, they may only be filled every 31 days.

Pharmacy benefit questions: Call 1-855-828-7716

Specialty Drugs

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.

Pharmacy Benefit Program
2020 Prescription Drug List

Global Emergency Services (GES)

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:

  • Medical Assistance Service
  • Medical Evacuation and Repatriation Services
  • Evacuation Services
  • Worldwide Destination Intelligence
  • Travel Assistance Services

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: Use the following ID number when contacting UnitedHealthcare Global: 355751
Global Emergency Services


Student Assistance Program (SAP)

Daily, round-the-the-clock help, included with your student insurance plan.

Call 1-877-862-1172 for: 

  • Counseling
  • Legal advice
  • Financial questions
  • Mediation

Pediatric Services (Age 19 or Under)

Pediatric Dental Services
  • Provided to students until the last day of the month the student reaches age 19
  • Available for necessary dental services

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

  • Provided to students until the last day of the month the student reaches 19 years old
  • Routine vision examination
  • Eyeglasses or contact lenses

View your vision benefits (PDF) or call 1-800-839-3242.

Understanding your insurance policy

Explanation of Benefits

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.

What's an EOB an why do I need it?

Deductibles, Coinsurance, and Copays


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.


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.


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.


Claim Information

How to Submit a Claim - VIDEO

How to Check Claim Status - VIDEO

International Student Health Insurance Information

  • New students

    New international students must pay their insurance in full before registering for classes.
  • Current students

    Current students must pay their health insurance in full each year.
  • Exchange and Sponsored Students

    New exchange and sponsored students must pay their health insurance in full.
  • J-1 Visiting Scholars

    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. 

  • Dependents of students

    Enrollees in our international health insurance policy may also qualify to purchase insurance coverage for their dependents.

  • Refunds

    Learn more about requirements for refunds on insurance payments.