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, Memorial Union
116.
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, Memorial Union 116.
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.