Where do I find updates and general information about my international student health insurance?
Insurance updates and information about payment deadlines and links to policy information from UHCSR are always located at our main insurance webpage, at: https://www.ndsu.edu/international/insurance.
How do I get my insurance card?
Updates for the Fall 2015 semester: Around September 3, the process of determining the list of international students to enroll in the policy will begin. After a student is enrolled in the insurance policy, you will then receive an email from UnitedHealthcare StudentResources (UHCSR) stating you can now enroll in "My Account" and set up your online profile. It usually takes anywhere from a few days to a week to receive this email from UHCSR. You can download your insurance card from this portal. Wait for the email from UHCSR. But if you have been told by ISSAS that your coverage has been added, you can also go directly to the UHCSR website to log-in to your account, or to create a new login if you are a new student.
To access your account, log in using this URL: https://www.uhcsr.com/NDSU/
Please see the green box that says “Go Green – My Account.” In that section, please click “Create an Account” if you have never logged in or if you are a new student, and follow the steps to create your account. Or if you are a continuing student who had UHSCR last semester, choose “Login to My Account” and login as you have done in the past to see your new coverage information. If you have trouble logging in to your account or creating one, please contact UHCSR’s customer service. The contact information is listed near the top of our page here, https://www.ndsu.edu/international/insurance/. If you never receive the email from UHCSR, please be sure to check your spam/junk mail and update your mailbox settings if necessary, if the email from UHCSR went there by accident.
To request your card:
Once logged in, select ID Card Information, and you will be given two options: “Request Permanent ID card” and/or “View or Print ID Card." You can do both options, or you can also set up a mobile app on your phone through the UHCSR smartphone app. Search for "UHC StudentResources" for Apple or Android in the App Store or on Google Play to view your insurance card.
What will my insurance card look like?
This is a sample insurance card - your card will appear similar to this. Please note general instructions for claim filing and contact information on the back of the card.
What is my policy number?
Each student always has an individual, unique, "SR ID #" that is also found on the card. This will remain the same for you each semester.
For the 2015-16 Academic Year (policy dates of August 16, 2015 - August 15, 2016):
Your policy number is: 2015-262-4. This policy number is the same for all NDSU international students enrolled in the 2015-16 policy period.
For the 2014-15 Academic Year (policy dates of August 16, 2014 - August 15, 2015):
Your policy number is: 2014-262-4. This policy number is the same for all NDSU international students enrolled in the 2014-15 policy period.
For the 2014-15 Academic Year (policy dates of January 1, 2014 - August 14, 2015):
Your policy number was: 2013-262-4. This policy number is the same for all NDSU international students enrolled in the previous policy period until August 14, 2015.
How do I contact UHCSR customer service?
Customer Service: 1-877-433-6667
Important Notes about Utilizing the NDSU Student Health Service and the Referral Requirement
Utilizing the NDSU Student Health Service. This is very important: Students should first seek care at Student Health Service if SHS is open. If no referral is received, the benefit will not be paid to you by UnitedHealthcare. There are a few exceptions to the referral requirement, and those will be noted below under “Visiting a Provider Off-Campus.” Please note the Student Health Service (SHS) benefit provides coverage at 100% for covered benefits (except Prescriptions which are subject to copays of $10/Tier 1, $30/Tier 2 and $50/Tier 3) when treatment is done at the NDSU Student Health Service, so it is usually much cheaper to get treatment on campus. The NDSU Pharmacy does bill insurance, but the NDSU SHS does not. To receive reimbursement for services done at SHS, students should submit their paid claims to UHCSR for reimbursement.
Visiting a provider off-campus. If you choose to visit a provider off-campus, you must first receive a referral from NDSU’s SHS to allow you to receive services off campus. If a referral is received, there is a $25 physician co-pay due at the time of service. Covered services are then covered at 80%. Students only need to seek a referral for a particular condition once per benefit period (each benefit period runs by policy year, August 16th through August 15th of the following year). When the next policy year begins and you still have the same medical condition, you will need to visit SHS again first and receive another referral.
When is a referral not necessary? If you are sick and the NDSU SHS is closed and you require immediate medical care, please do not delay getting the help you need. A referral from SHS is NOT necessary under the following conditions only, so please read carefully:
1. Medical Emergency. The student must return to SHC for necessary follow-up care.
2. When the Student Health Center is closed.
3. When service is rendered at another facility during break or vacation periods.
4. Medical care received when the student is more than 50 miles from campus.
5. Medical care obtained when student is no longer able to use the SHC due to a change in student status.
6. Maternity, obstetrical and gynecological care.
7. Mental Illness treatment and Substance Use Disorder treatment.
**Also please note that dependents also do not need a referral. This is because dependents are usually not students and are thus not eligible to utilize the SHS services.
How do I file a claim?
This procedure is mainly used for when you visit the NDSU Student Health Service (SHS) on campus.
1. Ask doctor or provider for an itemized bill or receipt that lists:
The service provided with diagnosis & procedure codes for each service, and the date the service was provided and the cost. The statement provided to you by NDSU SHS after your visit will be sufficient for the claims process.
2. Write your name and daytime phone number on each document (also your SR ID# if you have it)
3. Please make and keep a copy of each itemized bill or receipt for your records & write date mailed.
4. Send your itemized bill or receipt by scanning and emailing or faxing, or mailing to UnitedHealthcare StudentResources.
Mail: United Health Care Student Resources
PO Box 809025
Dallas, TX 75380
5. Please submit your claim in a timely manner.
If I file a claim, how long does it take to receive my reimbursement check?
If you have filed the claim properly, providing all of the necessary information, the claim is typically processed within 14 working days. UHCSR encourages you to create your online "My Account" with UHCSR and check it for communication from UHCSR in case any additional information is required. Also, please make sure your current address is updated in your My Account so that the refund check arrives at your correct address without delays.
How do I enroll my dependents?
Please note: You as the primary student are enrolled automatically by the ISSAS office each period as you remain an enrolled NDSU student. But your dependent coverage is obtained separately - and directly through UnitedHealthcare StudentResources (UHCSR). There are procedures and deadlines set by UHCSR for the adding of dependent coverage. Please take note that you will need to reserve coverage for your dependents each semester for them to be re-enrolled without a gap in coverage - they are not automatically renewed.
Coverage for dependents can only be purchased by students with active coverage. For NDSU international students wanting to enroll their dependents, it is important that you reserve their coverage while you wait for NDSU to send in the list of international students to be enrolled. To do so, please visit the UnitedHealthcare StudentResources website at https://www.uhcsr.com/ndus, click on North Dakota State University, and then scroll to the “Plan Information” header in pink. Click the link “Dependent Enrollment (for dependents of International and Graduate Assistants)” to reserve coverage for your dependents. Once UnitedHealthcare StudentResources receives your name on the enrollment list from NDSU (in late January 2015), you will be sent an email with a link to pay the premium for your dependent: The email is sent to you typically within 1 business day and you have 5 days to complete the process. Payment is required in full for the semester at that time.
The enrollment deadline for the voluntary enrollment of dependents is January 31, 2015 for the Spring 2015 semester. If this date has passed, you will be unable to add your dependents now and must wait until prior to the start of the Summer period (5/17/2015) or Fall (8/16/2015) to reserve coverage for the next period through UnitedHealthcare StudentResources. As a reminder, you must reserve the coverage in advance of the next coverage period start date listed here before the end of the 14 day grace period as noted below.
-If your dependents previously had coverage: If you complete the request for dependent coverage during the 14 day grace period after a coverage period ends, the dependent's coverage will be effective as of the date that the period becomes effective. If you complete the request after the 14 day grace period, the dependent’s coverage will be effective on the date the student completed the request. Please note: UHCSR will send you an email notifying you of the expiring dependent coverage - please take action on that email soon after you receive it so you remain in compliance with their deadlines.
-For students whose dependents will have first-time coverage: The dependent’s coverage will be effective on the date the student completed the request. If your coverage is already active, you can add dependents directly through your online My Account.
If dependent coverage ended on December 31, 2014 and the student completed the request on January 12 (within the 14 day grace period), the dependent’s effective date would be back-dated to January 1, with no gap in coverage.
If dependent coverage ended on December 31, 2014 and the student completed the request on January 20 (after the 14 day grace period), the dependent's effective date would be the date payment was completed, January 20, and a gap in coverage would exist.
If dependent coverage ended on December 31, 2014, and the student wanted to add their dependents on February 2nd, this would not be allowed for Spring because the deadline to enroll dependents had already passed (January 31).
**If you have any questions about the process for adding a dependent or about the coverage for your dependent, please contact UHCSR customer service directly. Their contact information is found above in one of the Frequently Asked Questions.
NDUS Policy/Procedure 505 says that I can request a waiver of the insurance if I have comparable coverage. Where can I find more information on this?
Please click here for more information on waivers of the NDUS insurance requirement and for a copy of the waiver form.
I plan to graduate in May or am going home for the summer before classes start in the Fall. Can I get an insurance refund or pay only through May?
No, you are still required to pay the Spring/Summer amount in full. Also, refunds or waivers pro-rated for the summer period are not allowed. The insurance plan is considered non-refundable. If you are eligible to purchase it at the start of the semester, you remain eligible for the insurance throughout the remainder of the plan year (through August 15 of each year) even if you are not enrolled in summer classes.
I will graduate in May and know my insurance is valid through August 15th. Do I still have to get a referral from the NDSU Student Health Service?
No you will not need a referral from Student Health Service after graduation. The student insurance plan you have now does offer an exception for after you graduate. If your student status changes, like because of graduation and you are no longer enrolled, you can still use the student health plan through August 15th for example – but because you are no longer eligible to use the health services on campus, you must go off-campus for your treatment and no referral is required. So as soon as you graduate, you can be seen by the provider/clinic off campus that you choose and you will have coverage.
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