Answers to...

Insurance terminology can be very confusing, even for persons who have lived their entire lives in the United States. Click below for videos from UnitedHealthcare StudentResources (UHCSR) to help explain some of these common vocabulary terms you may hear as you navigate the U.S. medical system

• What are deductibles, coinsurance and co-pays?
• What is an EOB (Explanation of Benefits)?

• How to Create My Account
• My Account Overview
• How to Request an ID Card

Claims

If you visit NDSU Student Health Service, this is done automatically for you. But please watch below to learn more.

• How to Submit a Claim

For up-to-date policy documents, or to log into your account, always visit: https://www.uhcsr.com/NDSU

Scroll down on this landing page for NDSU and you will find a tile similar to this, labeled "Medical - International Student Plan." Then click "Explore Policy" to find out more.

Information about COVID-19 and the UHCSR insurance plan

Click here for UHCSR's informational page about COVID-19.

This policy number below is the same for all NDSU international students enrolled in this policy period.

In addition - each student always has an individual, unique, "SR ID #" that is also found on the card. This SR ID will remain the same for you each semester you remain enrolled at NDSU.

See our "Insurance Enrollment" section for more information.

When you register for classes, your student account at NDSU will be charged. Please follow the payment deadlines and make your payment as soon as possible. If you are registered, but there is no charge appearing, please email NDSU.International@ndsu.edu and we can assist you further.

More information on costs, deadlines, and how to make payments.

View this answer in the "Insurance Enrollment" section.

Once logged in to My Account, 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 Student Resources" for Apple or Android in the App Store or on Google Play to view your insurance card.

No, the health insurance plan does not provide for regular dental and vision care. However, an option exists where you can purchase additional dental and/or vision insurance separately through UnitedHealthcare StudentResources by the posted deadline each year. If the deadline has passed, you must wait until the next policy period to purchase it. More information about these plans can be found here: https://ndus.edu/student-services-overview/dental-vision/.

The only exception to this is for those insured persons under 19 years of age - see the next paragraph for more information.

Pediatric Dental & Vision Coverage

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 in your policy documents found at https://uhcsr.com/ndsu. 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.

If you are from Canada or Norway, you are not required to have the international student policy as per SBHE policy/procedure 505. However, some students from these two countries do decide to have the policy. If you are enrolled at NDSU and are from Canada or Norway and want the UHCSR insurance, please email us at ndsu.ISS@ndsu.edu to ask to be added to the international student health insurance policy. We will also then manually charge your NDSU account for the premium cost which is due immediately.

I need a document stating my UHCSR insurance is valid (or has expired). How do I request this?

Please call Customer Service at 1-(877) 433-6667 to request a "Certificate of Credible Coverage" document.

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 your OPT is starting soon, 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.

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.

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. Must I still get a referral from the NDSU Student Health Service?

If you graduate or are no longer enrolled at NDSU, you should contact NDSU Student Health Service at (701) 231-7331 or via email at ndsu.immunizations@ndsu.edu. They will notify UHCSR that your student status changed and request to remove your referral requirement. If you are not an enrolled student, you are no longer eligible to use Student Health Service on campus so you must go off-campus for your health care needs. It is recommended you verify the provider/facility is in-network with UHC to ensure the best coverage. Your insurance coverage is valid through August 15th if you paid for Spring/Summer coverage on your NDSU student account. Please contact UHCSR Customer Service if your claim is incorrectly denied.

I graduated but I want to remain on the UHCSR plan. Can I keep the plan?

You can ask to have your coverage extended temporarily for up to 3 months after you are no longer enrolled at NDSU. This is called the "Continuation Privilege" and is addressed below. Beyond that, there is no option for you to remain on the plan if you are no longer enrolled at NDSU.

Do I have any other options for insurance after graduation?

Only international students who are enrolled at an institution in the ND University System can have the plan. If you are remaining in the U.S. while on OPT for example, and do *not* have health insurance through your employer, we recommend that you do seek insurance elsewhere (such as through HealthCare.gov). Typically the new insurance company will want proof that you have lost insurance coverage. Please see the "Certificate of Credible Coverage" section on this page for more information on how to obtain this document.

I am *NOT* in F or J visa status. Must I still purchase the required insurance?

No - If you are a student in another visa status, such as the statuses listed below, you are not required to purchase insurance. All international students receive the charge on their account, regardless of visa status. But, if you hold one of these statuses, we will remove the charge. There is no requirement to pay it.

• H-1B/H-4
• TN/TD
• K
• Or any other non-immigrant visa status
• Online-only students with no U.S. visa who are completing their NDSU degree entirely online.

Other Situations

• F or J students who have departed the U.S. permanently or have taken a temporary leave of absence in SEVIS. Eligibility for a charge removal in this situation will vary.

Charge Removal Request Form

Request this removal by completing the following electronic form. In the electronic form, you will be asked to also submit a copy of your immigration documentation (I-797 approval notice, visa, and/or I-94 record).

Access the form.

Failure to pay by the end of the 6th week of classes will result in your enrollment being dropped and your required departure from the U.S. due to North Dakota University System policy. We do not want this to happen to any student. We want you to be successful and be able to stay here so you can begin your studies - so we take every opportunity to remind you of these insurance deadlines and how important it is for you to pay on time. We contact students directly by NDSU email (which is an official form of university communication) 1-2 weeks before the deadline, if they have not paid their charge in full. Do not wait until the last minute to pay - our emails will sound more serious as time passes and we approach the deadline, so please pay as soon as you can upon your arrival to Fargo.

Because of the importance of having insurance, students in F and J visa status in all ND University System schools are required to purchase the mandated insurance plan through UnitedHealthcare StudentResources.

More information from NDUS about this requirement.

Under special circumstances a student is allowed to request for a waiver. This is intended for students who have pre-existing coverage and that the coverage meets the criteria for it to qualify.

For more information click here: https://www.ndsu.edu/international/iss/insurance/waivers