Health Insurance for International Students

Health care in the United States is expensive and the individual is responsible for paying the medical costs. The government does not pay for it. For this reason, all international students studying in North Dakota are required to purchase the North Dakota State mandated health insurance policy. Having health insurance protects the individual by helping pay the medical expenses if he/she should become ill or be involved in an accident.

The North Dakota state-mandated health insurance policy for international students is provided by Student Assurance Services (SAS). It has a $50 deductible per injury or illness. Each time a student goes to the clinic or hospital for a separate illness the student must first pay $50 before the insurance will begin paying. However, the deductible is waived if the student first receives treatment at the Student Health Center on campus.

For specific information on what the insurance policy covers or does not cover refer to the brochure provided by SAS. Brochures are available from the Office of International Programs, Ceres 338.

A claim form will need to be submitted to SAS by the student when receiving medical treatment. Many times clinics and hospitals will not send the claim form with the medical bill to the insurance company. Students will most often have to submit a claim form separately before the insurance company will cover the student's medical costs. Claim forms are available in the Office of International Programs, Ceres 338.

Prescription medicines are also covered by the SAS policy. Most pharmacies will require the student to pay for their medicines in full. The student should then submit the receipt for medicines along with a claim form to SAS directly.

SAS Health Insurance Coverage Description

H-1B Health Insurance Waiver Request Form

SAS Claim Form

Dependent Enrollment Form