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Insurance

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.

Frequently Asked Questions

  • 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 WSU 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

    Statistics

        • University students are in the age group (19-24) most likely to be uninsured
        • 15-20 percent of university students nationwide are without health insurance
        • The University of Toledo, Miami University of Ohio and The Ohio State University have similar requirements, as have numerous state and private colleges and universities nationwide

    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.

    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.

    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.

    Where can I go for help?

    Contact the Student Health Insurance Office at 937-775-2552.

    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.

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.

Contact information

You can contact us by using the information below.

  • Wright State University
    University Center for International Education
    E190 Student Union
    3640 Colonel Glenn Hwy.
    Dayton, OH 45435-0001
  • Phone: 937-775-5745
  • Fax: 937-775-5776
  • Email: askucie@wright.edu
  • Hours: 8:30 A.M. - 5:00 P.M.

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Last updated: Thu. Aug-14-14, 15:33
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