Student Insurance Program

Frequently Asked Questions

Here are a few questions asked by Students in our program.

1. Why do I need insurance?

Medical care in the United States is expensive. All non-immigrant students must demonstrate their ability to pay any and all debts that they incur while in this country. A medical plan is one essential way. This is why your school has a policy that all international students have medical insurance.

There are different kinds of medical insurance available but they may not be adequate for your needs. Your institution has looked at different programs and has chosen this plan over the others, based on the plan's benefits, rates and the reputation of the company. Other plans may appear cheaper but they do not have the level of coverage that your school requires. When you purchase this plan, the school will know how to help you if you have any problems. If you purchase another plan and have a problem, the school may not be able to help you.

This information can be found on the back of your ID Card. Or, you may contact the The Lewer Agency's Student Insurance Department at 800-821-7710 from 08:00 a.m. to 05:00 p.m., Mon. - Fri., CST or click here.

Hospitals, Doctors, x-rays, Lab Fees, etc. Examples of covered expenses are Broken Leg, Flu, Appendicitis, Heart Attack, Sprained Wrist, Maternity, Prescriptions, etc.

Some examples of non-covered expenses are: Pre-existing conditions (injury or illness that you had before the policy became effective) vision care, dental care, routine care, etc. (see brochure)

Example: The hospital bill totals $450. You must pay the first $50 to the hospital. The plan will then pay the remaining covered expenses of the $400. The copayment must be paid per hospital visit. You have already paid a fee along with your tuition that gives you access to insurance so use it.

The hospital emergency room is designed for life threatening emergencies. However, if you can wait until the next day, you should see your regular doctor or go to the student health center.

When you have a claim, you submit information to The Lewer Agency so that the claim can be paid. The accident and sickness questionnaire explains to the insurance company why you went to the doctor. It must be filled out completely and sent in with your medical bills to the insurance company. Accident and sickness questionnaires are available at the International Student Office or from The Lewer Agency and also on this website.

The insurance will cover your medical costs in any part of the world except your home country.

(Back to the Top)