Frequently Asked Questions about Your UHCSR Health Insurance
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.
Answers to common questions - a resource published by UHCSR
Click here for a list of Frequently Asked Questions about health insurance published by UnitedHealthcare StudentResources
Click on "North Dakota State University" and then the "FAQs" link on the left in the menu.
Enrollment in the UHCSR policy
IMPORTANT: How do I get enrolled in the policy?
New students arriving for summer semester - please contact your international student advisor upon arrival to request health insurance be charged to your summer account.
Updates for the Fall 2016 semester: Around September 1, 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 access your account as before, or if you are completely new student - to create a new login.
How do I access my online UHCSR "My Account"?
To access your account, log in using this URL: 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.
Enrolling your Family Members
Click here for information on how to enroll your dependents, including very important deadlines to follow to ensure no gaps in coverage.
Your Insurance Card
How do I get my insurance card?
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.
Policy and Coverage Details
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 2016-17 Academic Year (policy dates of August 16, 2016 - August 15, 2017):
Your policy number is: 2016-262-4. This policy number is the same for all NDSU international students enrolled in the 2016-17 policy period.
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.
Students Under 19 - "Pediatric Dental and Vision" Coverage
This information is specific to the 2016-17 policy year.
Summary: Any person insured on the policy under the age of 19 has what is referred to under the current Affordable Care Act (ACA) as "Pediatric Dental and Vision" coverage. This is in addition to the usual health insurance coverage through the UnitedHealthcare StudentResources plan. This is considered an "essential benefit" for persons 18 years of age and younger and it's required to be given, and is a great benefit to have. However it is not available to persons 19 years of age and older. More information about this can be found starting on page 24 of the "2016-2017 Summary Brochure" found here.
How long do I have this coverage? The benefits terminate on the earlier of: 1) last day of the month the insured person reaches the age of 19; or 2) the date the insured person's coverage under the policy terminates.
Dental: If you are under 19, you will automatically be sent a separate card for dental coverage. The letter will be sent to you from "UnitedHealthcare" and will say "Your new UnitedHealthcare Dental ID Card is here" and will explain how the card is to be used.
Vision: If you are under 19 and wish to utilize the pediatric vision benefit, show your regular medical ID card that you downloaded from your UHCSR My Account. To find an in-network provider, see this website (www.myuhcvision.com) or call 800-839-3242.
VERY IMPORTANT: Be sure to carry any insurance card with you at all times. You never know when you may need to use it.
Other questions? If you have any questions about pediatric dental/vision eligibility or coverage for persons younger than 19 years of age, please contact UHCSR directly.
Contacting UnitedHealthcare StudentResources
How do I contact UHCSR customer service?
Customer Service: 1-877-433-6667
If you have contacted UHCSR customer service and your issue was not able to be resolved after their input, please pass the information onto your international student advisor if it was not resolved. Because your health information is considered private information, it is very difficult for UHCSR to correspond with anyone from the ISSAS office directly about your health insurance issues. Therefore, our first suggestion is always to have you contact UHCSR directly because they are able to freely discuss your situation with you, but they can only provide very limited information to us.
But if you have already tried this route and the issue was not solved, if you feel comfortable, please forward the email string onto your advisor - and if you called customer service, please email your advisor to explain the issue you were having and include the phone number you called from when you contacted UHCSR. With this information, at our discretion, we can possibly contact UHCSR if needed. An alternative number for contacting UHCSR customer service is 1- 800-767-0700 but we prefer you use the 1-877 number listed above.
Use of the NDSU on-campus clinic - NDSU Student Health Service
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.
Using the NDSU Pharmacy
Please click here to find out more about using the NDSU Pharmacy and what services are provided. Please note the UHCSR policy is accepted at the NDSU Pharmacy.
After-Hours and Emergency Care
Please click here to read information provided by NDSU Student Health Service regarding what to do, if you have an illness arise when Student Health Service is closed or when you have an emergency situation. Their page includes a list of off-campus providers that are available in Fargo-Moorhead for walk-in/urgent care and emergency services.
No referral from SHS is necessary to visit an off-campus provider when SHS is closed or when you have an emergency. If your claim is incorrectly denied by UnitedHealthcare due to this type of a situation, please contact UHCSR customer service immediately.
Health Care During Summer Break - and Use of NDSU's Student Health Service
Remember that the Spring semester ends on 05/13/16.
- If you are enrolled for summer semester, you are still eligible to utilize the clinic as you are paying student fees.
- If you are not enrolled in summer semester, you may still utilize clinic services after 05-13-16 for an annual one-time summer-user fee of $40. In order to be eligible for the summer user fee, you must have been enrolled in the Spring - AND ALSO enrolled for the Fall semester.
- Please contact Student Health Service with any questions regarding your eligibility to use the clinic during summer break: https://www.ndsu.edu/studenthealthservice/
If you were enrolled Spring – but are not enrolled for summer (and do not choose to pay the $40 user fee nor be enrolled for Fall), you can visit an off-campus provider without a referral. If you file a claim and it is incorrectly denied, please contact UHCSR Customer Service immediately.
**Please note this falls under the referral exception in your policy as referenced in the "Student Health Center (SHC) Referral Required" section - for example, page 17 in the 2015-16 Policy Brochure found on this page: https://www.ndsu.edu/international/insurance/policy_documents
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. If your claim is incorrectly denied, contact UHCSR Customer Service.
How do I file a claim after visiting NDSU's Student Health Service?
There are two easy steps to file a claim for services you've received at Student Health Service (SHS) on campus!
- View your statement from NDSU Student Health Service and download a copy.
Please note: The statement will be available in your Student Health Portal within 2 weeks of your visit to the NDSU Student Health Service. You will be notified by email when the statement is ready to be viewed in the portal.
- Send an email to firstname.lastname@example.org with the following information:
- The statement from Student Health, mentioned above.
- Your policy number (found above in one of the frequently asked questions)
- Your insurance ID number (Your SR ID - found on your card)
- The address where you want your reimbursement check mailed to.
Always remember to 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.
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?
The waiver criteria and process for the 2017-18 academic year is not yet determined. We thank you for your patience!
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.
"Continuation Privilege" to continue insurance up to 3 months if you are no longer eligible for your student insurance plan
Some examples of situations where this may be an option:
If your UHCSR student insurance from NDSU is expiring, and you are no longer enrolled at NDSU and will have a gap in coverage because:
- You are in F-1 status and my OPT is starting, but your insurance will not begin immediately.
- You are in F-1 status and are receiving a change of status to H-1B and your insurance will not begin immediately.
- Persons in F-1/F-2 status who are remaining in the U.S. during your 60-day grace period before leaving and want insurance.
- Persons in F-1/F-2 status who or are transferring to another school and need gap coverage during this time and want insurance.
The continuation privilege will allow you to purchase up to a maximum of 3 consecutive months, but not longer than the current plan year. This is completely voluntary. You (and your dependents) can enroll for up to 3 months, and you pay for this coverage on your own.
All insured persons who have been continuously insured under the school's regular student policy for at least 3 consecutive months and who no longer meet the eligibility requirements under the policy are eligible to continue their coverage for a period of not more than 90 days under the school's policy in effect. If an insured person is still eligible for continuation at the beginning of the next Policy Year, the insured must purchase coverage under the new policy as chosen by the school. Coverage will be effective immediately following the expiration of the student plan and must be purchased within 14 days after the expiration of your student coverage. If premium is not received within 14 days, the premium will be refunded. By signing the enrollment form, you acknowledge the following: 1) You have carefully read the brochure and elect to enroll as indicated on the enrollment form; 2) Rates are not pro-rated other than as listed on this enrollment form; 3) You meet the eligibility requirements for this coverage as described in the brochure; and 4) If it is later determined that the student is not eligible, the premium will be refunded. Premium will not be refunded except for ineligibility or entrance into the armed forces.
Please note: The Continuation plan is an option to continue coverage under the University’s student insurance plan for up to 90 days for someone who no longer meets the eligibility of the school's plan. This continuation plan is not an option for a current student of the university, nor is it an option for an international student to purchase coverage on a monthly basis. International students must meet the insurance coverage criteria that is established by the North Dakota University System - The continuation plan does not meet that criteria.
To enroll if you qualify for this gap coverage, please contact UHCSR customer service and ask for a "Continuation Enrollment Form."
Enrollment is not handled through NDSU - you must submit the form and payment directly to UHCSR.