Health Insurance Frequently Asked Questions

I already have health insurance, do i need to buy the school plan?

J1 International Students
Students are automatically enrolled in the school sponsored student health insurance plan.
Click here for plan information.

F1 International Students
Students with comparable health insurance coverage may submit a request to waive the school sponsored plan.
See Health Insurance Waiver Requirements and Instructions.

How do i purchase the school sponsored health insurance plan?

J1 International Students
Students are automatically enrolled in the school sponsored student health insurance plan.

F1 International Students
See Health Insurance Enrollment Instructions.

Click here for plan information.

Can I purchase health insurance for my dependents?

Students who enroll in the school sponsored health insurance plan may also insure their eligible dependents. 
See Dependent Enrollment Instructions.

How do I get my insurance card?

UnitedHealthcare StudentResources Plan through St. Thomas
Find instructions and information on obtaining your insurance ID card:

Other Plans
Check with you insurance carrier.

How do I use my insurance?

Clinic or Hospital

  • Present your insurance card when receiving service at a clinic/hospital
  • The medical facility will file a claim for service with the health insurance company
  • The insurance company pays their part
  • The patient is billed for any charges not covered by insurance such as deductible, co-insurance, co-pay (ensure the medical facility has your correct mailing address)

Prescriptions

  • Present your insurance card at the pharmacy
  • The pharmacy will file a claim with the health insurance company
  • The insurance company pays their part
  • The patient is responsible for any charges not covered by insurance (such as co-insurance or co-pay) when picking up the prescription

Which doctors and clinics/hospitals are in-network?

When possible, select a provider or medical facility that is in-network (‘preferred’).   Out-of-pocket costs will be greater for out-of-network providers, clinics and hospitals.

UnitedHealthcare StudentResources Plan through St. Thomas
See the UHC Provider Network information.

Other Plans
Check with your insurance carrier.

How much will it cost to see a doctor?

Patient cost is dependent on your insurance plan, the type of facility at which care is received, as well as the specific medical services received.  The cost of care will also be different for in-network and out-of-network providers/facilities. 

Watch this video to learn more about the U.S. Healthcare System.

Your Health Insurance Plan

Know the deductible, co-insurance, and out-of-pocket maximum of your plan.  To learn more about health insurance terminology, view the Glossary of Health Insurance Terms.

UHC StudentResources Health Plan through St. Thomas

Other Plans

Check with your insurance carrier.

Type of Facility

Cost is also determined by the type of health care facility where care is received. 

University of St. Thomas Health Services
Health Services provides high quality, safe and cost effective healthcare and promotes the health and well-being of students, faculty and staff.  Physicians, nurse practitioners, and registered nurses are available to address your health care concerns.  Review the services we provide.

Clinics
Clinics provide care if you are ill, hurt or in pain. Primary care clinics can also help prevent you from getting sick by providing physicals and other preventive health care.

Urgent Care Centers
For the days and hours that primary care clinics are closed.  Urgent care centers are designed for patients whose illnesses or injuries don’t present as life–threatening, but who can’t wait until a primary care physician can treat them.

Emergency Rooms
Emergency rooms, the most expensive facility type, are meant for true medical emergencies and can handle trauma, x-rays, surgical procedures and other life threatening situations.

Type of Medical Service

Cost of healthcare is dependent on the type of medical service(s) received such as doctor's examination, laboratory tests, or radiology. 

In-network/Out-of-Network

Learn more about Provider Networks.

How much will it cost to get a prescription filled?

Prescription costs vary by type of drug and the pharmacy used to fill the prescription.

UHC Student Resources Plan through University of St. Thomas
From My Account, you can access:

  • Payment, pricing, and coverage information about most prescription medications
  • Information about lower cost medication alternatives,
  • A list of participating retail pharmacies by ZIP code, and
  • Your prescription history

Prescription Drug Information is available via firststudent.com.

Other Plans
Contact your insurance carrier.

Who can I contact with questions?

UHC StudentResources Plan through University of St. Thomas
Contact Customer Service for questions regarding:

  • Benefits
  • Claims
  • Change of address
  • Requesting a new ID card
  • My Account assistance
  • General Policy Information

Other Plans
Contact your insurance carrier.