Insurance Coverage for International Students must meet the following requirements for the Fall, 2009 academic term and beyond, per Board of Governors Regulation 6C-6.009.

If you are an international student NOT purchasing the group policy offered by the Thagard Student Health Center, you should have your insurer verify the following levels of coverage PRIOR to providing payment for the policy and filling out the waiver of comparable coverage. FSU and the Thagard Student Health Center are not responsible for loss of premiums for non-compliant insurance policies or loss of academic privileges due to inaccurately completed waiver forms.

(a) Coverage Period: Coverage must include the full year, including annual breaks, regardless of the student’s terms of enrollment. The policy must provide continuous coverage for the entire period the insured is enrolled as an eligible student. Payment of benefits must be renewable.
(b) Basic Benefits: Room, board, hospital services, physician fees, surgeon fees, ambulance, outpatient services, and outpatient customary fees must be paid at 80% or more of usual, customary, reasonable charge per accident or illness, after deductible is met, for in-network, and 70% or more of usual, customary, and reasonable charge for out-of-network providers per accident or illness.
(c) Inpatient Mental Health Care: Must be paid at 80% in-network or 60% out-of-network of the usual and customary fees with a minimum 30-day cap per benefit period.
(d) Outpatient Mental Health Care: Must be paid at 80% in-network or 60% out-of-network of the usual and customary fees for a minimum of 30 (preferably 40) sessions per year.
(e) Maternity Benefits: Must be treated as any other temporary medical condition and paid at no less than 80% of usual and customary fees in-network or 60% out-of-network.
(f) Inpatient/Outpatient Prescription Medication: Must include coverage of $1,000 or more.
(g) Repatriation: $10,000 (coverage to return the student’s remains to his/her native country).
(h) Medical Evacuation: $25,000 (to permit the patient to be transported to his/her home country and to be accompanied by a provider or escort, if directed by the physician in charge).
(i) Exclusion for Pre-Existing Conditions: First six months of policy period, at most.
(j) Deductible: Maximum of $50 per occurrence if treatment or services are rendered at the Student Health Center; maximum of $100 per occurrence if treatment or services are rendered at an off-campus ambulatory care or hospital emergency department facility.
(k) Minimum coverage: $200,000 for covered injuries/illnesses per accident or illness, per policy year.
(l) Insurance Carrier must have an “A” rating or above per Part 62.14(c)(1) of Section 22 of the Code of Federal Regulations.
(m) Policy must not unreasonably exclude coverage for perils inherent to the student’s program of study.
(n) Claims must be paid in U.S. dollars payable on a U.S. financial institution.
(o) Policy provisions must be available from the insurer in English.