Westminster Student Health Insurance: Policy, Options and International Student Coverage Requirements
All full-time students are required to have health care coverage. International students on a J-1 or F-1 visa, in addition to the health care coverage required of full-time students, are also required to have Medical Evacuation and Repatriation of Remains (MERR) coverage.
Options for Health Insurance:
- Parent’s insurance plan. Students under the age of 26 are eligible to remain on a parent’s insurance plan according to federal law.
- Insurance carrier sites, such as Independence Blue Cross, Aetna, and United Healthcare. See also Good Neighbor Health Insurance; click "See Contracted Schools" in left sidebar and then one of the links under the WTS logo on the following page.
- Independent insurance broker. Students may wish to contact an insurance broker for more information about individualized insurance plans to suit their personal needs. One such contact is Phil Mishler, who can help navigate the options available under federal law, as well as direct you to other insurance products, including those that meet the requirements for international students.
Phil Mishler, Owner/Consultant
PA Group Insurance, LLC
4175 Hoffman Road, Hatboro, PA 19040
Ph 215-900-1163/Fax 215-827-5927
International Students: Required Coverage Specifics
A student on international student visa, as well as his or her accompanying dependent(s), must have insurance which covers the student and all accompanying dependents for sickness or accidents during the time of the student's program. Minimum coverage must provide all of the following:
- medical benefits of at least $100,000 per accident or illness
- remains repatriation coverage of at least $25,000 per person covered
- coverage for expenses associated with medical evacuation to the international student’s home country of at least $50,000 per person covered
- deductibles that do not exceed $500 per accident or illness
- an insurance policy secured to meet the benefits requirements underwritten by (1) an insurance corporation with an A.M. Best rating of "A-" or above, (2) an Insurance Solvency International, Ltd. (ISI) rating of "A-I" or above, (3) a Standard and Poor's Claims Paying Ability rating of "A-" or above, or (4) a Weiss Research, Inc. rating of B+ or above. Alternatively, the sponsor may ascertain that the participant's policy is backed by the full faith and credit of the government of the exchange visitor's home country.
International Students: Steps to Procuring and Showing Proof of Required Coverage
1. Contact Consultant Phil Mishler (see above) to purchase health insurance, or purchase health insurance directly with the insurance company or through some other consultant. No additional cost attends purchasing health insurance through Mr. Mishler. It will cost the same whether you purchase health insurance through him or on your own. Mr. Mishler can help you to understand the health insurance options for your specific needs.
2. If you choose to purchase a plan directly, here are several options: International Medical Group; Good Neighbor Health Insurance; see under “Contracted Schools”; ISO Insurance. Should you purchase a plan without consultant help, please be sure to pay attention to the cost of deductibles, which is the amount you must pay before the insurance company will pay, and the amount of coinsurance, which indicates the share of payment you and the insurance company will make after you have paid the deductible. Please also pay attention to maternity coverage, if that concern applies.
3. If you purchase a plan through Mr. Mishler, he will copy the International Student Office on proof of insurance. If you purchase outside of Mr. Mishler, please forward (1) proof of personal coverage and (2) documentation from the insurance company that the insurance meets required coverage levels for international students to firstname.lastname@example.org.
4. Before the beginning of each semester, forward (1) proof of personal coverage for the duration of the coming semester and (2) documentation from the insurance company that the insurance meets required coverage levels for international students to email@example.com. Failure to provide (1) proof of personal coverage for the duration of the coming semester and (2) documentation from the insurance company that the insurance meets required coverage levels for international students at the beginning of each semester will result in a stop on your student account. You may not enroll for courses in the next term until the stop is removed. The stop is removed by providing (1) proof of personal coverage for the duration of the coming semester and (2) documentation from the insurance company that the insurance meets required coverage levels for international students to firstname.lastname@example.org.