International Student Health Insurance
UCA has contracted with Trawick International to provide health insurance for
the university's international students. You can find information about the insurance
policy and download an insurance identification card or a claim form here: http://www.studentinsure.com/uca.
If you need to visit a doctor or hospital, you should bring your insurance card
with you. You will have to pay the first $100 of your medical bills each year,
but after that, the insurance will cover the majority of the rest of the charges.
Each time you go to the doctor or hospital, you must file a claim form in order
for the insurance to pay.
If you need a prescription, you must pay for the prescription yourself. Then,
you can file a claim form with the receipt and insurance will reimburse you 100%
for the cost of your prescription.
If you have questions or need assistance with insurance, please contact Endrea
Knox in the Office of International Programs at 450-3445 or eknox@uca.edu.
FREQUENTLY ASKED QUESTIONS
What is health insurance?
Health insurance coverage is a policy that you pay for. The policy covers part
or all of the expenses associated with a visit to the doctor, hospital or with
a prescription.
Why do I have to have health insurance?
Unlike many other countries, medical care in the US is extremely expensive. Thus, to ensure that our international students are adequately covered
and have the peace of mind while they study at UCA, the university has established
a mandatory health insurance requirement for all F-1 students. All UCA international
students are charged for health insurance as part of their tuition and fees. It
is reflected on the receipt you were given at Fee Payment as the International
Fee.
Students are billed for five months of insurance coverage for each fall semester
and seven months of coverage for the spring semester. This makes sure that each
student is covered for the full year.
Is it possible to be exempted from the insurance at UCA?
If you are an F-1 visa holder who is enrolled, then you will be billed for the
insurance. If you would like to apply for a waiver of the requirement, you will
need to prove that you have comparable insurance. Please see the next FAQ question
for more details.
How do I apply for a waiver of the insurance requirement?
You must bring a copy of your policy (IN ENGLISH) to the Office of International
Programs BEFORE the semester begins showing that your coverage is equal to or
better than UCAs policy. If it is determined to be acceptable, a waiver will be
granted and you will not be charged the insurance fee. If you have already prepaid
your tuition, including the insurance fee, the fee will be refunded to you if
the waiver is approved. YOU MUST HAVE INSURANCE. You may not elect to decline
insurance coverage completely.
I've paid the insurance fee during registration but have not received any information
or an insurance card. What should I do?
Since your insurance is billed with the tuition and fees, the insurance company
does not receive your premium right away. Please allow 2-4 weeks for processing
time. Should you need to see a physician prior to receiving your insurance card,
you can access your account on-line at http://www.studentinsure.com/uca to print your insurance card and a copy of the brochure. You may also come to
the Office of International Programs to pick up a brochure outlining your coverage.
Insurance cards will be sent to the Office of International Programs. You will
be notified when your card is available to be picked up.
As an international student, can I use the services at the UCA Student Health
Service?
Definitely! The health clinic offers many services to students from immunization
to physical check-ups and lab tests. Please visit the Student Health Service at
http://www.uca.edu/divisions/student/studenthealth/ for additional information
about their services. They are located in the basement of Bernard Hall and are
open Monday - Friday from 8:00 a.m.- 12:00 a.m. and 1:00 p.m.?- 4:15 p.m.
Can I go to the hospital if I don?t feel well?
Unlike many other countries, people in the U.S. go to the hospital only in emergency situations. Normally, you should visit the Student Health Center on campus first. The staff
at Student Health may refer you to an off-campus physician/specialist.
It's at night or on the weekend and I feel terribly sick. What should I do?
If you feel that you have a life-threatening or serious illness or you are injured,
you should to go Conway Regional Medical Center immediately. If you need transportation,
you should call UCA Police Department at 450-3111 or call 911 immediately. If
you simply do not feel well, use your best judgment about whether you can wait
until Student Health opens on Monday or if it is a true emergency.
Can I purchase insurance for my spouse and dependent children?
Yes, but dependent coverage is available only when you (the F-1 student) are
enrolled with Trawick International.
We just had a baby. Can he/she be added to the international health insurance?
Yes, if one of the parents is an F-1 student and is insured with? Trawick International.
Please bring the baby's confirmation of birth to the Office of International Programs
within 31 days of his/her birth to purchase insurance coverage.
Do my spouse and/or children have separate insurance cards?
No. Dependents of a student/scholar will have the same certificate number.
I will not take classes next semester due to a medical reason. Will I still be
insured?
You will need to request an official letter from your medical doctor and bring
it to the Office of International Programs (OIP). Once this is done, you can check
with Endrea Knox about how to submit the insurance premium for that semester.
Am I qualified to remain on the insurance while on Optional Practical Training
(OPT)?
Yes, F-1 students are eligible to remain on the student health insurance for
the entire OPT period. The premium and coverage will cost the same as currently
enrolled students. You will not be billed, so you must come to the OIP and pay
directly.
Will I be covered if I go home or travel during the break/summer?
If you are a student in good standing, have paid your premium in full, and travel
to countries other than your home country, coverage is as established in the insurance
policy. This insurance will only cover up to $1000 per lifetime for treatment
that you receive in your home country.
If I have a pre-existing condition, would the insurance cover that?
Most of the time, the answer to this question is no. If you have a chronic medical
condition that you were being treated for before this insurance coverage went
into effect, UCA's insurance will not cover you. However, if you were covered
under a previous policy, you should work with the previous insurance company regarding
continuing your coverage through them.
Do I have a separate card to purchase medicine at the pharmacy?
No. Under this insurance plan, the insured person must pay out-of-pocket for
the medications and submit a claim with official receipts to receive 100% reimbursement.
What do I need to do with bills I have received from a doctor's office or hospital?
Your health care provider usually files the claim directly with the insurance
company. If you receive a bill at home, you can download a claim form from this
website: http://www.studentinsure.com/uca.
I am receiving notices that my doctor or the hospital has not been paid by the
insurance company. What do I do now?
Most of the time this is because you have not filed a claim form. If you have
filed a claim form, you should contact the insurance company directly or you may
come see Endrea Knox if you need additional assistance.