Can I get health insurance?
The Board of Regents of the University System of Georgia has announced a mandatory insurance requirement. All international students (graduate or undergraduate), and all graduate assistants are now required to have campus provided insurance and International students may not waive this coverage. CSU has no way to verify foreign health insurance policies.
You will be automatically enrolled in coverage upon the start of the semester and the premium will be added to your account. However, there are two options available that you may choose.
SHIP – a plan that is required for domestic US students to purchase which meet our government regulations of no maximum coverage
• Cost for Fall 2017 $947
PGH Global – an alternate plan available to non-US citizens that has a maximum of $250,000
• Cost for Fall 2017 $367
International students are automatically enrolled for coverage under SHIP and the $947 will show on your invoice after you register for classes. You have the option of choosing the PGH plan instead.
PGH Enrollment (less expensive plan)
You must enroll directly and pay the insurance company with a credit or debit card.
IF YOU DO NOT ENROLL IN PGH YOU WILL CONTINUE TO BE CHARGED FOR THE SHIP PLAN PRICE.
CURRENT CSU INTERNATIONAL STUDENTS:
To enroll in the PGH plan go to the web site listed below - however when inputting your information instead of new student you will choose the "Returning Student" option. You will then be able to purchase your Fall PGH plan.
ATHLETES YOU WILL USE THE SAME LINK BUT WILL NEED TO CHOOSE THE ATHLETE PLAN
After you have purchased the PGH Plan you will go to the SHIP plan information and "WAIVE" out of the more expensive plan.
Instructions on how to waive out of the SHIP plan can be found here:
Click Waiver Form
Check Yes for 2 questions at top
Enter Personal Information
Select Other under insurance company name
1209 Orange Street
Wilmington, DE 19801
Relationship of holder is SELF
Policy # 2017-203047-91
Group Name: IHC SP- GBOR Intl Student Care Basic – CSU
Web Site: https://georgiacare.intlinsure.com
Effective dates: August 1, 2017 - December 31, 2017
Once your PGH purchase has been verified and you have waived out of the SHIP plan the $947 charge will be removed from your account within a few days.
ATHLETES: YOU WILL USE THE SAME LINK BUT YOU MUST CHOOSE THE ATHLETE OPTION
Follow instructions above on how to WAIVE out of the expensive plan.
If you choose to purchase the SHIP plan and pay the invoiced amount on your student account you must:
If you wish to get an insurance card or find additional information about your coverage, please confirm your enrollment at: https://studentcenter.uhcsr.com/columbusstate.
Use the Enrollment Form link near the bottom of the page. This will ensure that your enrollment information is correct and will prevent delays if you need to use your insurance benefits.
FALL COVERAGE: 8/1/2017 - 12/31/2017
EITHER PLAN WILL REQUIRE YOU TO PRINT YOUR INSURANCE CARD IN ORDER TO RECEIVE CARE AT A MEDICAL FACILITY.
After you have enrolled in one of the plans you will need to log in to your account and follow instructions to print your insurance card.
PRINT THE CARD AND CARRY IT WITH YOU AT ALL TIMES!!!!!
You should review the web site thoroughly to find out the best way to use your health care coverage.
IF YOU ARE SICK YOU SHOULD CONSULT THE ON CAMPUS STUDENT HEALTH CENTER FIRST BEFORE GOING TO A DOCTOR. IT WILL BE LESS EXPENSIVE.
STUDENTS ON OPT
Students who graduate and are on Optional Practical Training can continue to purchase health insurance through PGH Global. Please go to this link to sign up:
How to use your Insurance
As with most insurance plans, your doctor or hospital files a claim with the insurance company for you after you receive treatment. This claim is reviewed and if the treatment is covered, they will make payments to your doctor or hospital. Most insurance companies do not cover 100 percent, so you will most likely receive a bill from the doctor or hospital for the portion of expenses that were not covered.
Looking for a Doctor
If you become ill you should first go the Columbus State University Health Center if possible. They have professional nurses, doctors, and a physician's assistant on campus Monday through Friday. If they are unable to assist you they can advise you on your next step for treatment.
Before going to a doctor off campus you can also do comprehensive search for doctor's and facilities by going to the insurance company's website. You can also call the number listed on your insurance card to see if a provider is part of your plan. It is important to check this before going or you may be responsible for all or a larger portion of the charges.
Claim — A written request for payment by the insurance company of medical expenses that are covered under an insurance policy.
Co-payment — After the deductible is paid, this is the amount of covered expense that must be paid by the insured individual. For example, you might have to pay a $20 co-payment each time you see a doctor.
Deductible — The portion of a covered expense that must be paid by the insured person before the insurance company pays its portion of the expense.
Exclusion — Any condition or expense for which, under the terms of the policy, no coverage is provided and no payment will be made.
Insurance Premium — The amount of money you have to pay to get coverage with an insurance company for a set period of time.
Provider - the medical facility that is providing your care
In-Network provider - an in-network provider is a medical doctor or facility that has a negotiated rate with your insurance provider and is part of your insurance plan
Out-of-Network - if the provider is not part of your plan then they are called out of network and you will incur more or all of the costs to go to one of these providers