Florida State
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Health Insurance Requirements for International Students at
Florida State University
1. Who must be covered?
a. Students studying at FSU on a J visa and their accompanying
dependents.
b. Students studying at FSU on an F visa and their accompanying
dependents.
c. All other students, for health insurance compliance purposes,
are considered to be domestic students.
2. To meet FSU Board of Trustee requirements for health
insurance your insurance policy
MUST provide the following:
a. Coverage for the entire academic year, including annual
breaks, regardless of your terms of enrollment.
The policy must provide continuous coverage for the entire
period you are enrolled as an eligible student.
Payment of benefits must be renewable.
i. For the fall term dates of coverage must be at least August
15 through December 31.
ii. For the spring term dates of coverage must be at least
January 1 through May 9.
iii. For the summer term, even if you will not be attending
classes during summer session,
dates of coverage must be at least May 10 through August 14.
b. Basic benefits: room, board, hospital services, physician
fees, surgeon fees, ambulance,
outpatient services, and outpatient customary fees paid at 80%
or more of usual, customary,
reasonable (UCR) charges per accident or illness, after
deductible is met, for in-network, and 70%
or more of UCR charges for out-of-network providers per accident
or illness.
c. Mental health care for in-patient mental health care paid at
80% in-network or 60% out-of-network of the
UCR fees with a minimum 30-day cap per benefit period AND
outpatient mental health care paid at 80%
in-network or 60% out-of-network of the UCR fees for a minimum
of 30 (preferably 40) sessions per year.
d. Maternity benefits treated as any other temporary medical
condition and
paid at no less than 80% of UCR fees in-network or 60%
out-of-network.
e. In-patient/out-patient prescription medication coverage of
$1,000 or more.
f. At least $25,000 to cover return of your remains to your
native country should you die in the United States.
g. At least $50,000 for medical evacuation to permit you to be
transported to your home country and to be
accompanied by a provider or escort, if directed by the
physician in charge.
h. A deductible of no more than $50 per occurrence if treatment
or services are rendered at the FSU
Wellness Center and no more than $100 per occurrence if treatment or services are rendered at an
off-campus ambulatory care of hospital emergency department
facility.
i. At least $200,000 for covered illnesses/injuries per illness
or accident per policy year.
j. No more than a six-month waiting period at the beginning of
the policy for coverage of pre-existing conditions.
k. Your insurance carrier must have an ¡°A¡± rating or above per
Federal Regulations.
l. Claims must be paid in US dollars payable on a US financial
institution.
Your carrier must have a US claims mailing address
m. Your policy provisions must be available from the insurer in
English.
n. Your policy cannot unreasonably exclude coverage for perils
inherent in your program of study.
That means that if your studies involve, for example, working
with chemicals,
your policy cannot exclude coverage for injury due to exposure
to
chemicals in the laboratory. If your program of study requires
scuba diving for
oceanographic studies, scuba diving cannot be excluded from
coverage.
If you will be working with laboratory animals, your coverage
cannot exclude coverage for
exposure to the laboratory animals.
3. The student health insurance available through Florida State
University will meet all the
requirements outlined in paragraph 2 above.
4. If you will NOT be purchasing the student health insurance
available through Florida State University:
a. Verify with your prospective insurance company that the
coverage you want to purchase will meet
all of the requirements listed in paragraph 2 above BEFORE you
make any payment for the policy.
Understand that there is more to insurance than the
premium price. Look at the benefits the plan will provide.
b. Complete the waiver.
You will have to answer questions and provide information about
the policy you have purchased.
i. Your policy must cover you for the entire time you will be a
student at FSU including holiday and summer
breaks, even if you will be going to your home country for the
breaks.
ii. Your insurance must begin and end according to the dates
shown in paragraph 2.a. above.
iii. FSU, University Health Services and the Health and Wellness
Center are not responsible for loss of
premiums for non-compliant insurance policies or loss of
academic
privileges due to inaccurately completed waivers.
c. If the insurance you will be using is dependent coverage from
your spouse¡¯s employer-paid plan,
you may not have the coverage required for medical evacuation or
repatriation of your remains
as outlined in paragraphs 2. f and 2.g above.
i. That coverage can be purchased directly from United
HealthCare Student Resources at their w
eb site: www.uhcsr.com/fsu.
1. The coverage expires every August 14.
2. The premium is the same regardless of the date of purchase
during the year.
3. Dependent children also on J visas must also have this
coverage.
ii. Send an e-mail with confirmation of the purchase to healthcompliance@fsu.edu. That
e-mail will be used
to clear your insurance waiver.
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