International Student Scholar Services Health Insurance Information International

International Student & Scholar Services Health Insurance Information

International Student & Scholar Services Support and services for: § Immigration and visa questions § Employment eligibility and authorization § Outreach and networking § Student support § Cultural adjustment § Academics § Orientation § Social, cultural, and educational programming § Student leadership development § International Student Leadership Conference § LINKers We’re here to help!

What is health insurance? § Private companies that help cover the cost of health care and medical procedures § In 2010, Affordable Care Act (“Obama Care”) = everyone must have health insurance. § HIPAA – keeps your medical information private § JMU requires health insurance for all students

Why ? Why do I need health insurance while I am studying in the United States? - The U. S. government does not pay for medical treatment - Medical treatment and care is VERY expensive here - Illness and injury are unpredictable- if you have an accident or get sick, you will need health insurance to help cover the cost of treatment Overview of US Healthcare System OVERVIEW BEGINS AT 1: 13

Cultural Insurance Services International (CISI) q JMU requires that all international students on a F-1 or J-1 visa have health insurance coverage during their time as a student here. q The ISSS office offers health insurance through Cultural Insurance Services International (CISI) q All international students are automatically enrolled in the CISI policy, and the insurance fee is added to your tuition bill each semester q You should receive an email from enrollments@culturalinsurance. com with your insurance card. Check your JUNK or SPAM folder if you do not see it in your inbox. q Print and carry this in your wallet!

What To Do If You Get Sick? Should I go to the EMERGENCY ROOM at the hospital? The Emergency Room is for very serious situations ONLY. Do not go if you have a cough, light fever, or mild pain. First go to the Health Center on campus, or an urgent care center in Harrisonburg. If you go to the ER when it is not an emergency, the CISI health insurance will not cover your visit and it can cost $500.

JMU Health Center is free. If you have a cold, the flu, you have a minor accident, an infection or you just don’t know what is wrong, make an appointment at the Center. Do not run to the hospital! Health Center Located in the Student Success Center Hours: Monday, Wednesday & Friday: 8: 00 am - 5: 00 pm Tuesday & Thursday: 9: 00 am - 5: 00 pm Call for an appointment: 540 -568 -6178

Where To Go If You Get Sick Normal sickness or Minor Emergency If JMU Health Center is closed Major Emergency Life-Threatening Emergency When the JMU Health Center is closed, you may visit local urgent care providers: Major Emergency (but not lifethreatening): Dial 911!! Emergi. Care – 755 Martin Luther King Jr. Highway Phone: 540 -432 -9969 2010 Health Campus Dr. Harrisonburg, VA The JMU Health Center is your first stop! Call to schedule an appointment: 540 -5686178 For more information visit: www. jmu. edu/healthctr Med Express— 1840 East Market St. (Next to Kroger’s) Phone: 540 -432 -3080 Valley Urgent Care— 119 B University Ave. Phone: 540 -434 -5709 Go to the emergency room at Rockingham Memorial Hospital If you are NOT admitted to the hospital overnight, you are responsible for the first $500 of your bill! An ambulance will be sent to your location.

A visit at a doctor’s office, hospital, or urgent care facility 1. 2. 3. 4. 5. Make an appointment, if applicable Present ID and proof of health insurance Complete informational and medical history forms See Physician, Physician’s Assistant, Nurse Go to the pharmacy, if needed § Use your prescription medications card! 6. Pay for your medication and medical bills § Save receipts, paperwork, etc. 7. Submit claim form to CISI

Health Forms & Information Online The ISSS website under the Health Matters section has health information and other forms and documents you should review: q CISI policy brochure q Read this to understand CISI coverage q CISI claim form q If/when you see a doctor for medical care, you will pay the initial cost and then submit a claim to the insurance company. Then CISI will reimburse you the money. q Health insurance waiver form q If you believe you have a different policy that can qualify for a waiver, you can fill out this form and submit it to the ISSS office with a copy of your policy in English. q Deadline: September 11, 2015 q Instructions on how to access your CISI online account q Use your online account to look up your insurance card, find doctors in the area, and check status of any claims you have submitted.