Who is eligible for International Student Medical Insurance?
Students who are not U.S. Citizens or Permanent Residents are automatically enrolled in the International Insurance Program when they register for one credit hour or more. Spouses and/or children of enrolled students are also eligible for the program.
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What do I do if I get sick?
If it is a life-threatening emergency, you should go to the emergency room at a hospital. If it is not an emergency, you should go to the Student Health Center. If they cannot treat you there, they will give you a referral to an outside doctor. The phone number for the Student Health Center is 829-3316.
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What happens if I don't go to the Student Health Center and it is not an emergency?
You will have to pay $100 of your own money for each injury or illness you have treated without a referral from the Student Health Center.
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Where can I go for prescriptions if the Sub Board Pharmacy in Michael Hall is closed?
You can have your prescription filled at any pharmacy. However, many pharmacies will ask you to pay for your prescription in advance. If that happens, you will have to fill out a claim form (see question 9 for instructions).
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Where can I go for medical treatment if I am unable to visit the Student Health Center?
You can go to any doctor anywhere except in your home country because your insurance cannot be used there. However, if you go for medical treatment without a referral from the Student Health Center and it is not an emergency, then you will have to pay the $100 deductible (see question 3). If the Student Health Center is closed and it is not an emergency, you can wait until the Student Health Center opens. If it is a medical emergency, you can visit any medical facility.
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Where is the Student Health Center?
The Student Health Center is located in Michael Hall on the South Campus. You can contact the Student Health Center for an appointment at 829-3316.
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What do I do if I don't have my insurance card but I need medical treatment?
You can stop by the Student Medical Insurance Office (Student Union 116) and pick up a temporary insurance card OR you can ask the doctor's office to call the insurance company (HTH Worldwide Insurance Services) at 1-800-242-4178 to confirm that you have insurance OR you can ask the doctor's office to contact the Student Medical Insurance Office at (716) 645-3036.
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What do I do if I already have private medical insurance?
If you already have insurance, you can request a waiver form from the Student Medical Insurance Office in Room 116 of the Student Union, or print one from our website at www.subboard.com. Waivers are only accepted up to the due date of the first bill on which the insurance charge appears.
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What do I do if I get a bill from my doctor?
If you get a bill from your doctor, you can bring it to the Student Medical Insurance Office (Student Union 116) and pick up a claim form. If you went to the Student Health Center before visiting your doctor, you will have to take the claim form to the Student Health Center so they can put a stamp on your form showing that you received a referral. Once you have had your claim form stamped (if applicable) and you have filled out all of the requested information, take the claim form to the Student Medical Insurance Office (Student Union 116) with the bill from your doctor. The bill will then be sent in to the insurance company for processing.
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How do I know if a claim has been paid?
When a claim is processed, the insurance company will send you an "Explanation of Benefits" form. This form will show you how much the insurance company paid on your claim, and whether or not you owe anything to the doctor. You can also look up your claim at the insurance company's website: http://www.hthstudents.com.
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I submitted a claim, so why am I still getting bills from my doctor?
Many doctors continue to send bills for services until payment is received from the insurance company. You only need to submit the bill once for the insurance company to process it.
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How do I enroll my spouse or my children on the International Student Medical Insurance Plan?
You can pick up an enrollment form for your dependents at the Student Medical Insurance Office (Student Union 116). You will have to fill out the form and mail it to the insurance company with your payment.
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How much does the insurance cost?
The insurance costs $57.25 per month for students, $134 per month for spouses and $72 per month for children. The rate for children is the same if you are insuring one child or more.
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What does the insurance cover?
The insurance covers a wide variety of medical treatments, from hospital visits to prescriptions to surgery to mental health. For a brochure explaining what is covered, please contact the Student Medical Insurance Office at (716) 645-3036 or stop by the office (Student Union 116).
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How do I contact the insurance company?
The insurance company is called HTH Worldwide Insurance Services. You can contact them by phone at 1-800-242-4178. They have a website designed for students where you can look up information about claims you have submitted, look for doctors in the city where you are living, and send e-mail messages to insurance company representatives. The website is at http://www.hthstudents.com.
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Who do I talk to if I am having a problem with my insurance?
You can contact the insurance company (see question 15) or you can speak to anyone in the Student Medical Insurance Office in the Student Union, Room 116. The phone number is (716) 645-3036.
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I don't understand my Explanation of Benefits form.
The Explanation of Benefits form has all of the information about how your claim was processed and paid for by the insurance company.
If you have any specific questions about your Explanation of Benefits form, please contact the insurance company, HTH Worldwide Insurance Services, at 1-800-242-4178. You can also contact the Student Medical Insurance Office at (716) 645-3036 or stop by the office in Room 116 of the Student Union.
