Medical Insurance for International Students

All international students will be automatically provided and billed medical insurance through United Health Care for the coverage period of  August 15, 2017 to August 14. 2018 (fall semester and returning students) or January 1, 2018 to August 14, 2018 (spring semester students). The medical insurance will be charged to your student account after course registration and you will be able to access the United Health Care First Student website (see below) within 48 hours after registration.

 

FDU Medical Insurance Policy

International students on FDU F-1 and J-1 sponsored immigration records are required to enroll in the FDU United Health Care medical insurance plan.  

**** F-1 or J-1 students who are sponsored by a government agency and are provided medical insurance through that agency may be eligible for waiver as long as their medical insurance meets the wavier criteria.

**** International students who are in other non immigrant visa categories that have medical insurance through a government agency or have medical insurance through a US based employer may also qualify for a waiver.

 

Enrollment

You may enroll yourself in the University’s United Health Care plan and create a personal account by visiting

http://www.firststudent.com/school_page/fairleigh-dickinson-university/home-fdu/

 

New Student must complete the Two STEP Process

Current and Returning Students only need to complete STEP 1 - your previous personal account with UHC with your previously created Username and Password will remain.

(All students must wait two business days between Enrollment into the insurance plan and access to My Account)

 

Two STEP Process - Enrollment and Creation of Insurance Account

After completing this two Step process you will be enrolled in the Medical Insurance Plan and be able to access and schedule appointments with participating doctors, obtain prescriptions from participating pharmacies, print your insurance card, and more.

 

Deadline to complete Enrollment is October 17, 2017.  This applies to  any student returning for the Fall 2017 semester or any new student beginning in the Fall 2017 semester


February 28, 2018 is the deadline for new students who are begining in the Spring 2018 semester.

 

STEP 1: Enrollment

 

  1. Enroll yourself into the United Health Care medical insurance by entering your date of birth and Student ID number

    insuranceenroll1
  2. Complete the following information

    -  Check the box for   A - Annual (8/15/2017 - 8/14/2018)

    -  Check the box - I elect to purchase insurance coverage under this student insurance plan.  Above are the choices I have made. *

    -  Type in your full name under Payer Signature

    ***** By completing this online form you will not be required to make a payment. Your insurance charge of $1555 (Full year) or $964 for students starting in the Spring semester, is located on your FDU account.  You must make the payment to Enrollment Services.


    insuranceenroll2

     
  3. Your enrollment verfication will appear on the next page and you should print this page for your records.

 

 

STEP 2: Create an Account - only for New Students - ***Must wait two business days between Enrollment into the insurance plan and access to My Account.***


Leave Enrollment page and return to 

http://www.firststudent.com/school_page/fairleigh-dickinson-university/home-fdu/
 

  1. Click on My Account
     
  2. Click on "Create your My Account"

    insuranceaccount1

     
  3. Create Your Account using your First Name, Last Name, Date of Birth, and FDU ID number or FDU Email address


    insuranceaccount2

     
  4. Create a Username and Password based on the requirements

    insuranceaccount3

     
  5. You now have access to the United Health Care website where you may make appointments with participating doctors, submit claims for medical bills, reveiw your prescription plan and search for participating pharmacies, print a temporary insurance card, order your permanent insurance card, and much more.

****Please note:  The United Health Care plan does not cover dependents. Should you require coverage for your dependents you will need to seek private insurance coverage outside the FDU United Health Care plan.****

 

 

Students Graduating in December or January and/or Visiting Fall semester Students

(Students who are completing their program in the Fall semester or visiting students who are only studying at FDU for the Fall semester will be charge a full year of medical insurance. After completing your fall semester you may either keep the insurance until August 14, 2018 or you may submit a request for reimbursement for a half year of insurance by emailing the Associate Director of Enrollment Services Ms. Ellen Miller at millere@fdu.edu - (please be aware that students who transfer out or withdraw from the university after the Fall semester will not be reimbursed)
Due date to request a reimbursement is February 28, 2018 - no requests will be considered after this date for a half year reimbursement.

 

WAIVER OF FAIRLEIGH DICKINSON UNIVERSITY INTERNATIONAL STUDENT HEALTH PROGRAM (medical insurance)

Fairleigh Dickinson University requires all international students regardless of credit hours (including English as a Second Language, American Studies Program, and visiting faculty/scholars) to have adequate health insurance. If you are eligible to waive enrollment in the Student Health Program for yourself, we require that the alternative health coverage meet the following minimum criteria. Foreign insurance, non-New Jersey HMO’s, and travel insurance plans are not acceptable as alternative coverage as they do not meet the minimum requirements. (only students with comprehensive US based employer insurance or government sponsored programs that provide medical insurance are eligible - see Medical Insurance Policy at top of this page)

If you qualify for a wavier the deadline to submit is October 17, 2017 for students starting in the Fall semester and February 28, 2018 for students starting in the Spring semester.

Criteria

Fairleigh Dickinson University Student Health Program

Requirements for Alternative Coverage

Must be Licensed to do business (or domiciled) in the United States and has a United States Mailing address where claims are submitted and paid. Individual plans must be purchased from the US Exchange and accompanied by a letter from the Insurance Carrier that the policy is at least a Metal Tier Gold Level and has a Qualified Health Plan Certification.

Licensed to do business (or domiciled) in the United States and has a United States Mailing address where claims are submitted and paid. The policy is at a Metal Tier Gold Level and has a Qualified Health Plan Certification.

Must be Licensed to do business (or domiciled) in the United States and has a United States Mailing address where claims are submitted. Individual plans must be purchased from the US Exchange and accompanied by a letter from the Insurance Carrier that the policy is at least a Metal Tier Gold Level and has a Qualified Health Plan Certification.

Must provide coverage while in the United States.

Provides coverage while in the United States.

Must provide coverage while in the State of New Jersey.

Must have coverage in the state of New Jersey.

Has coverage in the state of New Jersey.

Must cover at least 70% of Preferred Allowance for Inpatient and Outpatient services after policy deductible.

Coverage Effective Dates

August 15, 2017 – August 14, 2018, (Petrocelli students Sept. 15, 2017 - September 14, 2018)

Must Cover you from August 15, 2017 – August 14, 2018, (Petrocelli Students Sept. 15, 2017 – Sept. 14, 2018)

Maximum Dollar Limit on Policy

No Maximum Dollar Limit on Policy

Must not have a Maximum Dollar limit on Policy.

Emergency, non- emergency health care and mental health care benefits.

Emergency 80%
Physicians Visit: 100% of Preferred Allowance after $30 copay
Mental Health: Covered same as any other sickness

Must Provide coverage for emergency, non- emergency health care and mental health care benefits.

Annual plan year deductible

In-Network: $250 Per Insured Person, Per Policy Year

Out of Network: $750 Per Insured Person, Per Policy Year

Must not have a deductible greater than $750 per insured, per policy year

Prescription Drugs

$20 Copay per prescription Tier 1
$40 Copay per prescription Tier 2
$60 Copay per prescription Tier 3
Up to 31 day supply per prescription covered at 100% after copay

Must Provide coverage for Prescription Drugs

Repatriation of Remains

No Maximum on Repatriation of Remains

Must Include No less than $25,000 of coverage for Repatriation of Remains

Pre-Existing Conditions

Provides coverage for Pre-Existing Conditions

Must provide coverage for Pre-Existing Conditions

Prescription Drugs

Provides coverage for Prescriptions Drugs

Must Provide coverage for Prescriptions Drugs

Coinsurance

In-Network: 80% of Preferred Allowance

Out-Of-Network: 50% of Usual and Customary

Must provide coverage no less than 75% in or out of network.

 

To submit a waiver request you must complete the process at the First Student Website and click on Waive Your Student Health Insurance.  After submitting your request for waiver your request will be reviewed by a First Risk Advisor and you will receive an email response with the decision on your waiver request after a decision is made.   


***Be advised that if your insurance does not meet all the criteria you will be denied.

To access the first student website you will need your Date of Birth (Month, Day, Year) and your FDU ID number.

Please be aware you may only access this site after you have registered for classes. (Please allow 48 business hours after registration for the university system to upload your information into the United Health Care database)

 

You may contact a First Risk Advisor for assistance or concerns regarding the waiver process at customerservice@firstriskadvisors.com  or 1-800-505-4160

***Please note that Fairleigh Dickinson University is not involved in the waiver process and all requests and decisions are processed through First Risk.***