Because all medical and dental treatment in the USA is private and very expensive, it is very important that everyone has insurance. Winthrop University requires all international students, and their dependents, to maintain health insurance. All major universities have a similar requirement. The Winthrop University Student Health Insurance Plan (“Health Plan”) insures the student against major expenses accompanying an accident, illness or hospitalization.
The Health Plan is administered by AIG. This company specializes in health plans for students and is the largest provider of student health insurance in the Southeast. Plan highlights for 2013-2014 are currently available. The actual policy will be available in the near future.
International students will be charged for their insurance twice a year, along with their tuition, housing and other expenses, and will pay directly to Winthrop’s Cashier 's Office or on-line, just like any other University expenses. Students should be prepared to pay for their health insurance by the first day of classes for each fall and spring semester enrolled at Winthrop University.
The cost for 2013-2014 are as follows:
- Fall i(8/13/2013-01/07/2014) is $609;
- Spring/Summer (1/08/2014-8/11/2014) is $838;
- Annual (08/13/2013-08/11/2013 (if you choose) is $1,447.
For Fall 2013, AIG has set the following dates for consideration of waiver requests, open and voluntary enrollment in student health insurance:
- The waiver process will end on TBD;
- Open enrollment will end on TBD;
- Voluntary enrollment will end on TBD.
The Health Plan is most effective when the student goes first to Winthrop’s Health and Counseling Services located in Crawford Hall. Health Services can typically provide the necessary treatment or service to you at a reduced fee as part of your tuition and fees paid to Winthrop University. However, if needed they will refer you to a local doctor or dentist, and assist you with transportation (if necessary). When you go to the doctor or dentist, insurance coverage will assist in the cost of these visits. To fully utilize the AIG insurance plan, Winthrop's Health Center must refer you to an off-campus medical provider. If you go to a medical provider off-campus without first notifying Health Services, the cost of your medical care may not be covered by AIG and could be very expensive. Please note: if Health Services is closed for any reason, you are allowed to go directly to an off-campus clinic or emergency room. VERY IMPORTANT: If you do seek medical care on the weekends or when Health Services is not open you must provide Health Services with information on the medical treatment you received off-campus as soon as possible in order to file a medical claim with AIG
- For a medical emergency go directly and immediately to the closest Emergency Room or Urgent Care Provider. The preferred Urgent Care Provider is Riverview Medical Center ("Riverview") at 1393 Celanese Road, Rock Hill, SC.
- If Health Services is closed (weekend, holiday or evening) and a serious illness or injury requires immediate treatment, go directly to Riverview.
- If you are more than 35 miles from campus and need immediate attention go to a local Urgent Care Provider.
- Dependents (spouses and children) that are not eligible for care at the University’s Health Services can go directly to Riverview.
Students are required to verify their insurance coverage and amounts with AIG, with direction from the International Center, by a specific deadline at the beginning of each fall and spring semester. The International Center will communicate important information concerning insurance waiver deadlines etc., so please read and respond to all emails and correspondence pertaining to health insurance each semester.
Many students or parents may have their own health insurance. If you or your family would like to use their own insurance policy and not purchase the AIG policy, you would have to apply for a waiver of the AIG policy. Listed below are the minimum required benefits that your personal insurance policy must meet/cover in order to waive Winthrop's AIG policy. Requesting a waiver of the AIG policy is the student's responsibility. The waiver request process is done online with AIG and done within the first few weeks of the beginning of the fall and spring semester. By providing your name, the name of your insurance provider, the company's address and telephone number along with your individual policy number, AIG will verify your insurance coverage. If this waiver information is submitted to AIG and the waiver request is granted prior to the waiver request deadline, the cost of the AIG policy will not be placed on your student account. Please note: your waiver must be applied for and approved by the waiver and enrollment deadline set each semester by AIG. Failing to apply for the waiver by the set deadline will result in the charge for the AIG policy being placed on your student account.
Minimum Required Health Insurance Benefits:
- $500,000 medical coverage per accident/sickness per policy year;
- Wellness/Preventive services as specified by the Patient Protection and Affordable Care Act (PPACA) covered at 100% with no co-pay;
- Effective and Termination Dates – Must cover the semester academic dates with no lapse in coverage;
- Deductible $350 in-network/ $500 out-of-network, limit 3 per family;
- Medical Evacuation & Repatriation (combined maximum benefit) - $1,000,000;
- Prescriptions drugs up to the $500,000 per policy year maximum - applicable co-pays will apply;
- Geographical Limitation – No restrictions to accessing health care services in South Carolina, domestic or international locations.
Several important items to remember-
- Healthcare in the United States is very expensive that is why we require health insurance coverage;
- If you have a policy from a foreign country, please request an English translation of the policy to assist with the request for a waiver;
- If you have a policy from a foreign country, you may be required to pay your medical costs at the time of service. You will then have to file a claim with your insurance provider to receive a refund of any costs you paid;
- If you have a U.S. insurance policy, you should be required to pay only your co-pay at the time of service. You will need to provide your insurance card at your doctors visit. Once your claim is filed with the insurance company you will receive a bill at a later date showing how much you need to pay the doctor for the medical services provided.
The International Center will post the official AIG policy once it becomes available for 2013-2014. For more information on the Health Insurance requirement for all international students please contact the International Center. Questions on coverage amounts and filing an insurance claim should be directed to Winthrop University's Health and Counseling Services.