Student Insurance Program

Important Message for Students

To: International Students
From: International Student Services Office
Re: Mandatory Health Insurance for International Students

Because of the high cost of medical care in the United States, adequate health insurance coverage is required of all international students attending classes. The school offers an insurance plan with reasonable premiums and excellent benefits to all students: this health insurance plan is required of all international students unless proof of comparable insurance is provided. The insurance premium is automatically added to your bill at the time of registration during each semester. Payment for the insurance premium is due with tuition and other charges. Insurance coverage for family members is available at additional cost through enrollment at the International Student Services Office. If you believe that you have sufficient health insurance and wish to substitute your insurance plan, you must obtain a copy of your health insurance plan, written in English and bring it to the International Student Office prior to your class registration. Your policy must include the following information.

• Effective date of coverage (starting and ending date).
• Maximum dollar coverage for each sickness or injury.
• Outline of covered services.
• List of excluded services.
• Information on how to reach the insurance company in case of emergency (address and telephone number)

• Be in effect throughout the entire semester and be renewable for continuing coverage
• Have a minimum dollar coverage of $250,000 per illness or injury
• Include mental health care
• Include outpatient care (doctor visit, outpatient surgery, etc.)
• Include hospitalization
• Include maternity
• Include medical evaluation
• Include repatriation

The LewerMark Plans are designed for students and their dependents. Please carefully read the brochure, which explains your insurance in detail. Please remember that the insurance company may charge an additional $50.00 deductible for a hospital emergency room bill unless the reason for going is an injury or a major illness requiring an overnight hospital stay. The following will help explain when to go to the hospital emergency room.

1. Loss of consciousness
2. Intolerable and uncontrollable pain
3. Severe shortness of breath
4. Chest pain
5. Uncontrollable bleeding
6. Poisoning (Note: If possible, call your poison control center first and ask for immediate home-treatment advice)
7. A major injury, such as a head injury.
8. Severe or worsening reaction to an insect bite or sting, or to a medication, especially if breathing is difficult
9. Stupor, drowsiness, or disorientation that cannot be explained

1. Earache
2. Minor laceration (cut) where bleeding is controlled
3. Minor dog bite where bleeding is controlled
4. Possible broken bone (if bone is showing or if limb is deformed, go directly to Emergency Room)
5. Possible strain
6. A blistered sunburn or minor blistered cooking burns
7. Bee or insect sting or delayed swelling (if there is breathing difficulty, go directly to the Emergency Room)
8. Rash
9. Fever (if there is a convulsion, go directly to the Emergency Room)
10. Sexually transmitted disease (STD)
11. Colds and cough, sore throat, flu

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