Insurance

Medical Clinic 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 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 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.  

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.

The Medical Clinic charges a $15 missed-appointment fee to patients who miss more than two appointments. If circumstances prevent you from keeping an appointment, a phone call to cancel can help you avoid incurring the fee. Health insurance companies do not pay this fee.

Getting health insurance can be complicated. If you don't currently have insurance, there are resources in the community to help. 

Find an insurance plan for you: MNsure

MNsure is a marketplace to shop for insurance plans. 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. 

Questions about MNsure 

Mid-Minnesota Legal Aid helps people in this area sign up for insurance via MNsure. Their navigators can help. Mid-Minnesota Legal Aid: 320-253-0121

Health Insurance is Required

By law, every adult is expected to have health insurance. Most of the time, students are eligible for free or low-cost insurance. 

Student Rights

Medical Clinic will provide medical care for St. Cloud State students, regardless of insurance coverage.

Plan Ahead

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

Resources

Help signing up for MNSure via Mid-Minnesota Legal Aid: 320-253-0121

Bills are sent via secure message in the patient portal at myhealthservices.stcloudstate.edu. You will receive an email in your St. Cloud State account stating you have a secure message. Full payment of your bill is due 30 days after you receive this email.

Options for paying your bill at the Medical Clinic:

• You may come in to the Medical Clinic to pay at the check-out desk, mail a check, or call with credit card information. We would be happy to print an itemized receipt upon request.
• You may call our cashier and request that your bill be sent to the business office to be added to your other university charges. (A hold will be placed on registration until the bill is paid.) This request will need to be made each time you receive a message.
• You may call the cashier to request a paper bill be mailed to you at whatever address you provide. This  request will need to be made each time you receive an email.
• Acceptable payment methods: cash, checks, and credit cards (Mastercard, Visa, Discover and American Express).

If you do not pay your bill or make payment arrangements before it is due, the St. Cloud State Business Office will be notified and you will be charged a $20 late fee. The bill will be added to your University account and you will not be allowed to register for future classes, or receive a transcript or grades until your bill has been paid.

HIPAA (Health Insurance Portability and Accountability Act) regulations do not permit the Medical Clinic to send or email bills to anyone other than the student. 

Understanding your student insurance 

• Please check your brochure of benefits to verify your office visit will be a covered service.
• United Healthcare Student Resources: Visit to print your insurance card, view claims, and update your address. 
• Depending on where you receive medical treatment, there may be differences in cost for the same services.
• Not all services provided at a medical facility are covered by your insurance plan. If you’re seeking non-emergency care, verify your benefits before you receive a medical service.

Locate a United Healthcare network provider/clinic near you: United Healthcare provider search

1. Select UHCSR options PPO
2. Search for physicians/hospital
3. Enter Search Criteria
4. Select Specialty
5. View Results

Using UHCSR insurance at SCSU Medical Clinic

Benefits of using SCSU Medical Clinic

• Covered medical services provided at SCSU Medical Clinic are paid at 100 percent through United Healthcare 
• Please check your brochure of benefits to verify your office visit will be a covered service.
• SCSU Medical Clinic strives to keep the costs of your non-covered medical services lower than other clinics in the community.

Using other medical clinics

• If it is a covered service, patients are responsible for 20% of the final bill and UHCSR insurance will pay 80%.
• There is a $50 deductible for each injury, illness or health issue. If you are seen multiple times in the same policy year for the same illness or injury, you will only pay the $50 deductible one time. You will still be responsible for 20% of each bill received.

Pharmacy Benefits 

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 $15.00
• Tier 2- Patient pays $30.00
• Tier 3- Patient pays 40% Co-insurance
• To determine your cost, please review the medication tier-level.

Non Prescription Medications

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.

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.

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 2022-23 academic year is $2,119. 
• 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.

More Information

Frequently Asked Questions- International Students 

Questions or concerns about international student insurance, email: studentinsurance@stcloudstate.edu 

United Healthcare Student Resources, UHCSR, is St. Cloud State University's designated insurance policy for international students in F1 and J1 visa status.

Important information

• This is an illness and injury plan with preventive care benefits.
• It does not include dental coverage unless injury to a natural tooth.
• Additionally, not all services offered at a medical facility are guaranteed to be covered by the insurance plan.
• If not an emergency, member should attempt to verify benefits with UHCSR prior to receiving a service.
• After $50 deductible per illness or injury, patient is responsible for 20% of each bill. UHCSR will pay 80% if services are covered.
  • If seen multiple times in the same policy year for the same illness or injury, member will only pay the $50 deductible once and will be responsible for 20% of each bill received.

Find a provider:

Use the following instructions to find an in-network provider:

• www.uhcsr.com/myaccount(login required) or www.uhcsr.com/stcloudstate
• Click “Find a Provider”
• Update zip code to where insured wants to seek medical care
• Search for people/places/services & treatments or type a specific name into the search bar
• Filter down results.

Boynton Health Clinic

Boynton Health Clinic at the University of Minnesota at Minneapolis Campus is available to students on the UHCSR plan.

Cost and Service Options at Boynton Health Clinic:

• Office Visit (if covered service): $10 copay Benefits & Exclusions
• Preventive Care Visit: 100% covered by insurance, no copay HealthCare.gov/preventivecare
• Prescriptions: May vary, students should be prepared to pay a copay UHCSR Prescription Drug Formulary

Please note that Minnesota State students are not eligible to use the Mental Health Clinic at Boynton, but they have access to behavioral health providers through their MyAccount.

Instructions for obtaining appointment at Boynton:
Students will need to contact the Boynton Patient Accounting department at 612-624-6985 to be registered, then they will be transferred to the appointment line. Student should have their medical card information ready before they call; ID can be obtained at www.uhcsr.com/myaccount. Please call Patient Accounting if you have any questions on scheduling with Boynton Health.

Other healthcare options near Plymouth Campus

Healthcare options near zip code 55442. No preference was given in listing. 

Clinics

CVS Walk in Minute Clinic, Maple Grove
6300 Wedgwood Rd N
Maple Grove, MN 55311
Phone: (866) 389-2727

Mercy Physician’s Group
Rural Health Clinic
212 Clydesdale Trl Suite 1040
Hamel, MN 55340
Phone:  (763) 203-6600

Fremont Clinic
3300 Fremont Ave N
Minneapolis, MN 55412
Phone: (612) 588-9411

Urgent Care

Park Nicollet Clinic Brookdale
(Urgent Care Medicine, General Practice)
3007 Harbor Ln N Minneapolis, MN 55447
Phone: (952) 993-8900

Allina Health Maplewood Clinic
(Urgent Care Medicine, General Practice)
2855 Campus Dr
Plymouth, MN 55441
Phone: (763) 577-7160

Suburban Emergency Associates
(Urgent Care Medicine, General Practice)

14700 28th Ave N Ste 20
Minneapolis, MN 55447
Phone: (952) 403-2200

Emergency Rooms

Regency Hospital Minneapolis
1300 Hidden Lake Pkwy
Golden Valley, MN 55422
Phone: (763) 588-2750

North Memorial Health Hospital
3300 Oakdale Ave N
Robbinsdale, MN 55422
Phone: (763) 520-5200

Park Nicollet Methodist Hospital
15800 95th Ave N
Maple Grove, MN 55369
Phone: (952) 977-3249

Helpful websites:
www.uhcsr.com/stcloudstate

www.uhcsr.com/video

www.healthcare.gov/preventive-care-adults

Questions about insurance benefits and claims can be directed to the SCSU Student Insurance Advocate:
Email: studentinsurance@stcloudstate.edu
Phone: 320-308-4855