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J-1 Exchange: Health Insurance

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by

Kirsten Greene

on 7 July 2016

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Transcript of J-1 Exchange: Health Insurance

Understanding and using your SF State health insurance
Why do I need health insurance?
In many countries, health care is a public service. But this is not the case in the United States.
This means that health care in the United States can be very expensive!
Unfortunately, some people in the United States accumulate very high amounts of debt because of this.
However, you can avoid this by purchasing health insurance! (This is why both San Francisco State University and the US Department of State require you to have health insurance.)
What do you think is the average cost of a trip to an emergency room in a hospital in the United States?
Umm... Fifty dollars?
Nope, the average cost is about three thousand dollars!
Woah...
How do I purchase the SF State approved health insurance?
1. Go to https://www.csuhealthlink.com
What do I do if I don't receive a confirmation email?
First check your spam folder. If it isn't there, you can email a .pdf file that shows confirmation of your purchase. If you can't email your confirmation, you can also print out a copy and bring the paper copy with you to document check-in at orientation.
How do I use my health insurance?
When you are sick or injured, you may need to seek medical treatment. Before you receive medical care, you will be asked for your health insurance card. (Information on your health insurance card will help determine whether or not you need to pay, or how much you will need to pay at the time of your visit.) If you are asked to pay for only some of the cost of the visit because the remaining cost will be paid for by your health insurance, then you are being asked to pay a
copay.
What should I do with my health insurance ID card?
Put it in your wallet! You never know when you might need it. You should also make a copy of your card and keep it in a safe place at home.
What should I know about my health insurance?
Know where medical services are before you need them.
Know what your health insurance will and will not pay for. (Injuries that come from participation in high-risk activities may not be covered by your health insurance.)
Know how to file a claim for reimbursement for medical services.
Know where to find more information about your health insurance.
IEEC is planning a sky-diving trip! Will my health insurance cover me if I go?
Hmm, you should check your health-insurance plan. Sky-diving sounds like a risky activity to me.
Where can I get medical services?
Emergency Room
If you have a life-threatening emergency, you should go to the emergency room that is closest to you.
What should I do if I have a medical emergency but I can't get myself to the emergency room and no one else can help me get there?
Call 9-1-1! That's the emergency number for the entire United States.
What is the Student Health Services Center?
The Student Health Center, which is located on the SF State campus, provides medical services to SF State students. Services include:
health.sfsu.edu
https://www.facebook.com/SFStateSHS
Doctor's appointments
Pharmacy
Health and Wellness Education (nutrition, exercise, and reproductive health)
STD and HIV testing
Wow, all of those nurses and doctors look very happy.
That's because this presentation is almost over. Now all we need to do is take the quiz.
Don't forget to take the quiz!
Urgent-Care Clinic
If you need medical care right away, but your illness or injury is not life-threatening, you should go to an urgent care clinic.
Student Health Services/Doctor's Office
If your sickness or injury is not life-threatening and you do not need care right away, you should visit Student Health Services or make an appointment to see a doctor.
Sometimes, you might need to pay for the total cost of medical treatment, and then be reimbursed by your health insurance provider later on. The process of filling out and submitting necessary paperwork to your health insurance provider in order to be reimbursed for medical services that you already paid for is called
filing a claim
.
The money that you paid in order to buy your health insurance is called the
premium
.
The
out-of-pocket maximum
is the amount of money that you must pay yourself before your health insurance will start paying for the entire cost of medical expenses.
2. Click on “Find Your School's Plan”
3. Scroll down and click on “San Francisco State University”

4. Scroll down and click on “[Current academic year] San Francisco State Univ-Int’l-J-Exchange” then click on “Enroll”
5. Click on “Fall,” “Fall/Spring,” or “Spring” as appropriate
6. After purchasing insurance, email a copy of the confirmation page you rcieve after submitting payment to exchange@sfsu.edu. (Please email screenshots or scanned copies of printed confirmations in
.pdf format
.)
Presentation created by Kirsten Greene, San Francisco State University
The exchange staff at SF State told me I have to purchase the SF State approved health insurance, but I already have health insurance. Why do I have to buy more insurance?
Everyone who comes to SF State on an exchange program has to have sufficient health insurance. The best way to make sure everyone is covered is to make sure that they are all on the same plan that has already been approved.
Full transcript