International Students

Health Insurance

Per the Florida Board of Governors regulation, the following is mandatory for International students with F or J visa types:

No international student in F or J non-immigrant status shall be permitted to register, or to continue enrollment, at a university without demonstrating that the student, and in the case of J visa holders. that their accompanying spouse and dependents have adequate medical insurance coverage for illness or accidental injury and which includes the following premium requirements:

  • Coverage period: Polices must provide, at a minimum, continuous coverage for the entire period the insured is enrolled as an eligible student, including annual breaks during that period. Payment of benefits must be renewable;
    • The required coverage dates for Florida State University are as follows:
      • Annual coverage dates- August 15 to August 14
      • Fall only coverage dates- August 15 to December 31
      • Spring/Summer coverage dates (Spring only is not an option)- January 1 to August 14
      • For students beginning FSU study in summer- May 1 to August 14
  • (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 60% 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) Repatriation: $25,000 (coverage to return the student's remains to his/her native country); 
  • (g) Medical Evacuation: $50,000 (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); 
  • (h) 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; 
  • (i) Minimum Coverage: $100,000 for covered injuries/illnesses per accident or illness per policy year; 
  • (j) Insurance Carrier must, at a minimum, meet the rating requirements specified in Part 62.14(d) of Title 22 of the Code of Federal Regulations; 
  • (k) Policy must not unreasonably exclude coverage for perils inherent to the student's program of study; 
  • (l) Claims must be paid in U.S. dollars payable on a U.S. financial institution; 
  • (m) Policy provisions must be available from the insurer in English. 

As mentioned above, International students should also be aware that your visa type may dictate the extent of you and your dependents' coverage, to see full requirements for International students, go to https://www.flbog.edu/documents_regulations/regulations/6_009%20Admiss%20of%20Intern%20Students.pdf

Enrolling in the FSU sponsored plan is one way to meet that requirement. Students are encouraged to compare the plan offered against other options in the market, and we are confident you will find the FSU sponsored plan to be a better value. The cheapest plans are rarely the best, trading benefits and high costs for lower premiums. Also, be aware that many off-shore based International Student Insurance plans do not cover pre-existing conditions, resulting in much higher out-of-pocket costs.

 

Emergency Evacuation and Repatriation Coverage

Two very specific requirements to be aware of are the following:

  • Repatriation: $25,000 (coverage to return the student's remains to his/her native country). 
  • Medical Evacuation: $50,000 (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).

The FSU Sponsored Insurance Plan includes coverage for Evacuations and Repatriation and no further action is necessary. 

If you have purchased any other insurance plan, you must verify that the plan includes provisions for Evacuations and Repatriation. If it does not you may purchase a stand-alone through American College Student Association at www.acsa-travelsolutions.com. Students can enroll directly through this website for the annual cost of $75. The premium will be paid directly to ACSA, and may not be placed on your FSU Student Account. 

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