Section: ISSS

Health Insurance

Health Insurance

UW-Platteville works with Student Assurance Services (SAS) and Consolidated Health Plans (CHP) to contract for health insurance for international students and scholars. Participation in the UW-Platteville group health insurance policy through SAS is required for all UW-Platteville F and J international students, scholars, and their dependents, except for F-1 students who are on a scholarship from the governments of Saudi Arabia or Kuwait.  The SAS insurance plan provides continuous protection, 24 hours a day, anywhere in the world during the period of coverage for which the proper premium has been paid. To learn more about the group health insurance policy, please visit the Consolidated Health Plans (CHP) website.

Enrollment/Billing for Students

International students mandated to be enrolled in the Student Assurance Services (SAS) plan will automatically be enrolled for health insurance coverage each semester by the International Student and Scholar Services (ISSS) Office, and they will be covered over the summer months as long as they are an enrolled student or the dependent of an enrolled student at UW-Platteville.

The insurance charge will be added to the student bill at the beginning of each semester and international students will be enrolled in the Student Assurance Services (SAS) insurance for the entire year (12 months) for as long as they remain students at UW-Platteville. The charge for insurance enrollment during the summer for continuing students will be included in the student's spring semester bill.

Enrollment/Billing for Scholars

Visiting J-1 professors (scholars) and their J-2 dependents are also mandated to be enrolled in the SAS plan during their J-1 program, and they need to fill out Visiting Scholar Enrollment Form and send their payment to  SAS to be enrolled in plan. J scholars are not covered by the insurance until the day after SAS receives their payment. It is the responsibility of the scholar to get their enrollment form and payment to SAS on time or their effective date will be the date after premium is received. You must bring a receipt or other documentation proving that you have enrolled in the health insurance plan to the International Programs Office in Royce Hall.

Cost

The cost for students to be enrolled in the SAS health insurance is approximately $120/month. The cost for J-1 scholars/J-2 dependents of scholars is approximately $120/month if they have the same enrollment dates as listed in the "coverage periods" below; J Scholars/dependents that require dates of coverage different than the coverage periods listed below are charged 20% more ($143/month).

Copays

A copay is what the student is responsible for paying; this amount will not be paid by the insurance company.

   •   $25 per visit to off-campus doctor

   •   $40 per visit to off-campus specialist

   •   $100 per visit to the emergency room if not admitted to the hospital

Coverage Periods

Coverage Period Begins Ends
Fall August 5 January 5
Spring January 6 June 5
Spring/Summer January 6 August 4
Summer June 6 August 4

 

Coverage Provided by Health Insurance

Health and accident insurance does not cover all medical expenses. In general, it covers the higher costs that result from accidents and serious illness, with attendant hospitalization, medical tests, and the services of doctors and nurses. Please see the "Brochure of Coverage" on the right-hand side of this page.

Benefits include but are not limited to:


   •   Care for mental conditions, alcohol abuse, and drug abuse, and pre-natal care (covered as any other sickness)

   •   Intercollegiate, club, and intramural sports injuries (covered as any other injury)

   •   Medical evacuation and repatriation

   •   Preventative services mandated by the Affordable Care Act (listed here)

Exclusions

To see a complete list of treatments and services not covered by the Consolidated Health Plans (CHP) insurance plan, please see the "Brochure of Coverage" on the Consolidated Health Plans website. In general, the Consolidated Health Plans (CHP) insurance plan does not cover the costs of:


•   Routine visits to a doctor  & •   Visits to the emergency room when there is no emergency

•   Routine dental work (adults)

•   Vision examinations/eye glasses (adults)

•   Experimental treatments

•   Hazardous sports (four-wheeling/ATVs, snow-mobiling, parasailing, and sky-diving)

•   Long-term care

•   Acupuncture

 These costs must usually be met by the individual even if he or she has health and accident insurance.

Claim Form

If requested by the health insurance company, students and scholars may need to fill out and submit a claim form along with the detail of inury form for an injury or accident after a visit to an off-campus medical facility.

For instructions on completing a claim form, please see the "Guide for UW-Platteville Students" on the right-hand side of this webpage. A link to the claim form is also available on the right. Make sure you make copies of your claims form and your bill before mailing them to the insurance company.

CHP Website

Students/scholars have the opportunity to log on to the Consolidated Health Plans (CHP) website to view their personal claim forms and dates of coverage, or to submit a claim form. You will need the ID number from your SAS health insurance card to log on to the SAS website.

What do I do if I get sick or injured?

Unless it is an emergency, you should first visit the Student Health Services on campus. The Student Health Services is located on the second floor of Royce Hall. Please visit their website to view the days and times they are open.  Please note that the Student Health Services personnel may refer you to an off-campus medical facility, depending on your needs. For any off-campus doctor's appointment, you will be required to pay a $25.00 co-pay. If you need to see a doctor at a medical facility not on campus, you need to bring your insurance card. If you forget your insurance card you will need to return the next day with your insurance card so that your paperwork can be processed and correct billing to the insurance company can take place. If you need emergency medical attention and need to go to the emergency room, call 911. You will be required to pay at least a $100 co-pay for any visit to the emergency room that does not result in you being admitted to the hospital.

How do I know which doctor to go to?

Call Consolidated Health Plans (CHP) at 800-633-7867 to find a doctor in the Cigna Provider Network. You are strongly encouraged to verify with the doctor before scheduling doctors appointments to determine whether each doctor/provider is a participating or non-participating provider in the Cigna PPO network.  The doctor you choose will likely affect how much your insurance company will pay for the care you receive and the amount of money you will need to pay yourself.  To find preferred providers (doctors), go to https://hcpdirectory.cigna.com/web/public/providers.

Lost Insurance Card?

Call 800-633-7867 or email customerservice@consolidatedhealthplan.com to request a new card. It is important to get your lost card replaced as soon as possible.

Common Misconceptions about Health Insurance

Students and scholars from other countries often have difficulty understanding how the health insurance system works. Many U.S. Americans have the same difficulty, at least in part because the health insurance business has a language of its own, and much written information it produces is difficult to understand.

MISCONCEPTIONS PEOPLE FROM OTHER COUNTRIES OFTEN HAVE ABOUT HEALTH INSURANCE IN THE U.S.

  •   Myth: If I have health insurance, all my medical expenses will be covered. Fact: They will not. See the section above called "Coverage Provided by Health Insurance."

  •   Myth: Any visit to the hospital emergency room will be paid for if I have health insurance. Fact: An emergency room visit is covered only in case of a genuine emergency.

  •   Myth: The insurance company's job is to help me meet my medical expenses. Fact: Yes and no. The insurance company's job is to fulfill the terms of the contract it has with you. But insurance is a business; insurance companies operate in order to make a profit (by investing the money people pay for insurance). Insurance companies can be better or worse, and insurance policies can be better or worse, but in no case are insurance companies operated like charity organizations. The doctor or hospital considers it your responsibility to pay your bills and not the insurance company's.

  •   Myth: If I don't have to buy insurance for my family here in the United States, it is because young children and pregnant women can see doctors for free. Fact: No. There is no free medical service for international students or their families in the U.S.

Health Insurance for OPT Students

Health insurance is available through SAS/CHP to F-1 students who are on Optional Practical Training (OPT). All OPT students have 30 days from the date their current coverage expires to get enrolled under OPT.  OPT students must have continuous coverage.  OPT participants who do not enroll within 30 days of their coverage expiration cannot purchase plan coverage through the university. SAS requests that the OPT students send documentation showing that they are engaged in OPT along with their enrollment and premium payment. OPT students are responsible for contacting SAS (see contact information below) to arrange enrollment in health insurance during their period of Optional Practical Training. Cost of insurance for OPT students is approximately $143/month.

Contact Information

For Questions about Claims/Benefits

If you have questions about your what is covered by this insurance plan, please contact:

Consolidated Health Plans (CHP)

Email: customerservice@consolidatedhealthplan.com or kyelinek@consolidatedhealthplan.com

Phone: 800-633-7867 extension 208

For OPT/Scholar Enrollment in Health Insurance

Mike Montour
Email: mikem@sas-mn.com
Phone: (800) 328-2739 , extension 207

Health Insurance Guides

Important Information

Guide for UW-Platteville Students

What F/J students and their dependents at UW-Platteville need to know before, during, and after getting sick or injured

Guide for UW-Platteville Visiting Professors/Scholars

What J-1 professors and their dependents at UW-Platteville need to know before, during, and after getting sick or injured

Summary of Coverage (CHP) and Health Insurance Brochure (CHP) - coming soon!

Lists what is/is not covered by your Insurance Plan

Health Insurance PowerPoint

Provides overview of healthcare/health insurance for UW-Platteville international students

Guide to Finding a Doctor

Describes how to find a doctor that is covered by SAS in Platteville, Wisconsin, or outside of Wisconsin

Ask Mayo Clinic

Provides 24-hour phone-based, reliable health information from trained nurses in response to your health concerns and questions.  For confidential health care advice and information, 24 hours a day, 365 days a year, call toll-free 844-886-2896.

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Please click here for more information.

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