The Young Adult’s Guide to Health Insurance
This article from MoneyGeek.com will help you to understand key health insurance concepts, to make informed decisions should you travel abroad, become pregnant or graduate college and to decide whether, as an adult under 26, you should stay on your parents’ plan or take out your own.
Wright State University policy requires all international students and their spouse and dependents to purchase the University Student Health Insurance Plan, which includes a fee of $124 to provide coverage for the 30 days prior to the first semester of enrollment. This is a mandatory fee for all new students.
All students, including international students, may receive treatment for minor ailments at the Student Health Services office on campus. Depending on the nature of the illness or injury, the physician may recommend hospital care, which can be costly. To help cover hospital expenses, a Student Health Insurance Plan is offered by Wright State University at competitive rates.
Wright State University students with F1 or J1 visas are required by University policy to maintain health insurance coverage (including medical evacuation and repatriation) during their studies. Students are assessed single student coverage unless a waiver is approved by the UCIE office. Waivers will be approved only for students who have a U.S. based insurance coverage through the employer of a spouse or parent.
These companies usually do not offer the required medical evacuation and repatriation coverage. In order to comply with University regulations, students who receive a waiver of the WSU Accident and Sickness Insurance plan must purchase the Medical Evacuation and Repatriation insurance plan offered by International SOS Assistance, Inc. unless such coverage is included in their plan. Information about enrolling in this program is available from the UCIE Office. This coverage must be purchased before a waiver can be issued.
Spring and Summer Semester health insurance will be charged in Spring semester. If you are graduating in Spring semester and are leaving by June 13 you must provide the UCIE with a copy of your application for graduation receipt and your international iteniary that you are returning home upon graduation.
Covered services rendered at the Student Health Services for which expenses are incurred will be paid at a specified rate subject to the limitations am maximums under Part 1 (Basic) Schedule of Benefits or under Part 2 Major Medical. X-ray and Lab maximums do not apply at the Student Health Services. Routine testing that has a negative result is not covered. If blood work and/or a liver panel is necessary, those tests are covered. Routine OB-Gyn exams, testing for STD's and TB (up to $50 max per policy year) and urine tests are covered. Allergies and kenalogdepomedral injections for allergoric reactions are covered. Spouses and dependent childrean who are not insured students are not eligible to use the Student Health Services.
Compulsory Health Screening
Wright State University requires that all students new to the University have a health screening at the Student Health Center. All new students are sent a PDFMedical History Form. It contains an immunization record sheet that must be completed, signed and sealed by a medical official. THIS IS VERY IMPORTANT! Failure to complete the immunization record may result in expensive vaccinations that you will have to pay for. Failure to complete the evaluation upon arrival will result in cancellation of your classes for the following semester. If your classes are canceled, you will be in violation of your student status.
Student Health Services
If you have a health question or problem and you need help from Monday to Friday between 9.00 am to 5.00 pm, you need to go to Student Health Services, room 118 Frederick A. White Center (775-2552). The doctors at the Frederick A. Center are the same faculty who teach and train doctors at Wright State University School of Medicine. From sore throats to sprained ankles, University physicians and nurses are there for you.
You can receive personalized attention at the Frederick A. White Center. You will have the opportunity to choose the primary care physician right for you. Services provided include primary care services, gynecology, mental health services, preventive health care, health education, wellness promotion, and dermatology. Additional special services include a nearby pharmacy, x-ray, and laboratory services.
The Campus Health Center is open daily during the week for your convenience. Appointments are required. There are other places "on call" 24 hours a day to advise you, should you have an emergency when the Campus Health Center is closed. In case of an emergency please visit or call one the following Emergency Rooms at:
- Doctor's Urgent Care Office 2131 Gateway Drive, Fairborn OH 45324, (937) 873-9500
- GMH Urgent Care 3371 Kemp Road (at North Fairfield Rd), Beavercreek, OH 45432, (937) 320-3600
- Greene Memorial Hospital 1141 N. Monroe Dr. Xenia (937) 429-3200
- Miami Valley Hospital One Wyoming Street Dayton, Ohio 45409 (937) 208-2444
- Miami Valley Urgent Care 1010 Woodman Dr (937) 252-9900
Cost and Gap Coverage
Gap Coverage - these fees are for the 30 days prior to attending Wright State University.
- International Student: $124
- International Spouse or Domestic Partner: $361
- International Children: $231
$25 Deductible per injury or sickness - outside of Student Health Service
Involuntary Loss of Coverage
If you experience an involuntary loss of insurance coverage, you have 30 days to enroll in the the Student Insurance Plan and prevent a break in coverage. Examples of involuntary loss of insurance include, but are not limited to:
- Reaching an age where you are no longer eligible for benefits under a parent/guardian's plan
- Divorce, marriage or death of your parent/guardian or spouse
- Loss of employment or change in employer benefit eligibility
What we will need from you:
- Enrollment application which are available in the Student Insurance Office or by email request.
- Letter of creditable coverage from former insurance carrier stating the date coverage was lost.
- Make payment via Visa, Master Card, personal check or money order made payable WSU.
International students may only receive a waiver on the WSU insurance policy if the student has U.S. based insurance coverage through the employer of a spouse or parent and can provide a copy of "Medical Evacuation and Repatriation" cards (through International SOS, Inc.)
(no travel, accident or emergency health insurance policies will be accepted)
|Member & Spouse||$130||$100|
|Member & Child||$130||$100|
|Member & Family||$200||$160|
Insurance Waiver Form
Frequently Asked Questions
What exactly is the rule about address reporting?
INA Section 265(a) reads, "Each alien required to be registered under this title who is within the United States shall notify the Attorney General in writing of each change of address and new address within ten days from the date of such change and furnish with such notice such additional information as the Attorney General may require by regulation." If you are an alien physically present within the U.S. then you are required to be registered (e.g. to have an I-94 card or similar document confirming status), and you are required to make address reports as specified in the law.
Who is an alien and why does CIS use that term?
"The term 'alien' means any person not a citizen or national of the United States."
That definition is very direct and clear. You acquire U.S. citizenship by being born in the U.S. or to U.S. parents or by naturalizing. You become a national of the U.S. by being born in one of the outlying possessions of the United States or to parents who are nationals of the U.S. If you have F, J, H, O, TN, or LPR ("green card") status or any other immigration document allowing you to be in the U.S., then you are considered to be an "alien" under the legal definition.
I know that I have filled in my address on lots of forms, but why haven't I heard about this direct reporting requirement before? If CIS has not been maintaining its address files and has not been enforcing the law, then why should I start reporting my address now?
The law is the law, and even though CIS may not have enforced it in the past, Congress and law enforcement are now very interested in aliens in the U.S. It is a good idea to know your responsibilities and comply with the law.
How do I report my address? Where do I sent it?
During an academic quarter, you can fulfill your address reporting obligation by completing the Change of Address procedure on the "Wings" system within 10 days of your move.
I do not like the idea of reporting my address to CIS. What happens if I just refuse to do it?
INA Section 266(b) states "Any alien or any parent or legal guardian in the United States of any alien who fails to give written notice to the Attorney General, shall be guilty of a misdemeanor and shall, upon conviction thereof, be fined not to exceed $200 or be imprisoned not more than thirty days, or both. Irrespective of whether an alien is convicted and punished as herein provided, an alien who fails to give written notice to the Attorney General, as required, shall be taken into custody and removed in the manner provided by chapter 4 of this title, unless such alien establishes to the satisfaction of the Attorney General that such failure was reasonably excusable or was not willful." Willful failure to register is punishable by imprisonment not to exceed 6 months and a fine of not more than $1,000 or both.
In short, if you make a choice or decision not to report, a willful act, then DHS-CIS has the authority to charge you with a crime, fine you, imprison you, and then deport you. In practice DHS-CIS has not used this violation alone to deport someone, but DHS-CIS can add this to a list of violations such as overstay or unauthorized work, when they are building a case for deportation.
What if I did not know about this rule and have not reported my address, or if I forgot and report late? What will CIS do?
The CIS, through the office of the Attorney General, has the authority to forgive such failures provided the failure to report "was reasonably excusable or was not willful." That means that you need to report properly and promptly, but that DHS-CIS will generally not take an action against you just because you missed a deadline or didn't know you needed to report, provided that you act in good faith and send the report once you know you have to report or realize you have missed the deadline.
I may be moving around a lot. My box number is the most accurate address to reach me. Why does CIS want to know every time I move?
Members of Congress and CIS and other government agencies have indicated to schools that they want to know where aliens live, including students and scholars, so that they can find them if necessary.
I am just a student or scholar. I study, I do my research, or I teach. I am not doing anything wrong. Why would CIS or any other law enforcement agent want to find me?
There could be many reasons. The most common, of course have to do with events, such as the recent terrorist acts, that cause the government to launch investigations.
OK, now I am beginning to feel a little angry and uncomfortable about this. What has WSU done or is WSU doing about this address reporting and the general treatment of international students and scholars?
WSU, along with many other colleges and universities, is doing all that it can to protect students' and scholars' rights in these very tense times with a very active Congress working to change the immigration laws. WSU - UCIE monitors proposed legislation and works with the Vice President for Government Affairs, the Office of the General Counsel and other WSU offices to offer or change legislative language so as to encourage international education and the free exchange of ideas.
I still have questions about this. Who can answer my questions?
Contact the UCIE by sending a message to firstname.lastname@example.org or call (937) 775-5745.
Can my spouse/children be covered under the WSU-Offered Student Insurance Plan?
Yes. If you are an F1 or J1 visa status and have received a dependent I20 the international student dependent health insurance will already be billed to your bursar account. If you are any other status, it is your responsibility to notify student Health Services that your dependent will need insurance coverage.
Where can I go for help?
Contact the Student Health Insurance Office at 937-775-2552.
If I waive the WSU-Offered Student Insurance Plan, can I still use the Student Health Service?
Yes, all currently registered students taking one or more credit hours are eligible for service at the Student Health Service. A WSU, the cost to see a Nurse Practitioner or Doctor is $50 per visit.
Is this a good investment?
The average appendectomy at a locl hospital costs $7,200 in hospital charges alone for an uninsured individual. There are also additional charges from the surgeon and any other services utilized such as radiology. College students needs health insurance to protect them physically and financially from the consequences of an unanticipated serious illness.
Who is required to have health insurance coverage?
All international students(plus spouse & dependents) who are registered for zero credit hours or more, including students registered for co-ops, continued registrations, internships and dissertations.
Why do students need insurance?
The benefits of health insurance are compelling and potentially include:
- Decreasing medical leaves of absence/withdrawals and protecting students' academic potential – students can remain in school while managing their health care needs
- Enhancing campus community engagement – students will not need to leave campus for medical appointments
- Improving class attendance and enhancing academic success – no need to miss classes to travel for medical appointments at home
- Ensuring access to medical care and thus maintaining the health and wellness of our campus community
- Allowing Wright State University to offer a viable, comprehensive, student-centered health insurance plan tailored to our individual community needs, making it possible for students to purchase good health insurance at a lower price
- Ensuring that students have adequate and appropriate health insurance – and managing the sky-rocketing cost of health insurance
- Decreasing the frequency of student debt and poor credit ratings due to unanticipated and costly medical expenses
Frequently Used Insurance Terms
COBRA (Consolidated Omnibus Budget Reconciliation Act) - COBRA is a Federal provision which allows an employee or dependent stay insured temporarily through a terminated plan. Please be aware, these plans are usually very costly on a month by month basis. You have 31 days to enroll in a new plan after your current plan has been terminated.
Co-payments - A dollar amount or percentage you are responsible for paying for your covered health-care services. You may have to pay a set amount every time you make an office visit, a different amount for lab work, and various amounts for different types of prescription drugs. You may have to meet a deductible before your co-pay or co-insurance kicks in.
Deductible - The amount you have to pay for covered medical services before your health plan starts paying. Your deductible amount may be very small or really large. What size it is depends on you; you can trade off the costs of a high deductible with a lower premium.
Exclusion - A health condition or circumstances not eligible for coverage under your health plan. What your plan doesn't cover is listed in the Certificate of Coverage for your benefits. Call your plan's customer service number to get a copy of your Certificate of Coverage. If you have a chronic or unusual condition, check the exclusions carefully before choosing a plan.
Maximum - Annual or Lifetime - An upper limit on costs or services covered by a plan. For example, a plan may limit you to 60 days of occupational therapy or put a ceiling on the dollar amount of coverage it will provide over your lifetime. Some plans have limits; some don't, so check your policy.
Open Enrollment - Usually scheduled during the three months before the effective date of a benefit plan. This time is a window of opportunity during which you can make changes to your benefits package without having to prove creditable coverage or a qualifying event.
Out-of-pocket - Money you pay toward the cost of healthcare services. It's essentially money you have to dig out of your own pocket, so it's aptly named. Out-of-pocket expenses include deductibles and co-payments. Sometimes, what you pay for services not covered by your plan is considered out-of-pocket as well. Plans vary widely in the amount of out-of-pocket costs you pay. Some plans put a cap on your out-of-pocket expenses. After you reach the out-of-pocket limit, the health plan pays all you are covered.
Premium - The cost of an insurance plan. An employer may pay part of your premium if you get you health benefits through your company. Pay attention to what your premiums cost- your employer's contribution is part of your compensation package. You can find this amount on your paycheck stub.
Primary Care Physician (PCP) - A doctor who serves as your main contact with the health-care world, providing basic care and referring you to specialists as the need arises. The BGSU Student Health Service serves as your PCP if you are in enrolled BGSU-offered insurance plan.
Qualifying Event - Certain events that would ordinarily cause an individual to lose health coverage. Sometimes know as life changes. These events include aging off a parent's insurance plan at 23-25 years of age, getting married, getting divorced, having/adopting a child, or the death of a spouse or parent.
Reimbursement - A payment either to you or a health care professional for covered medical services. A fee-for-service plan may reimburse you or your doctor a set amount or maximum amount for specific services. This system can lead to larger out-of-pocket costs for you. For example, your doctor may charge $60 to remove that pesky wart, but your health plan pays just $40. You may have to pay the difference. On the other hand, your health plan may negotiate the doctor's fees in advance, including an agreement that prevents you doctor from billing you for the remaining $20.
Specialist - A specialist is an expert in a specific area of medicine. You may need an Oncologist to treat cancer; a Nephrologist to treat kidney disease; or a Pulmonist to treat a serious lung conditions.