Health Insurance FAQ
All non-immigrant students are automatically billed and enrolled for health insurance coverage. This charge is added to the general fees of the University as a separate line item. The University will bill students each semester.
Students will be covered in 6-month increments for the duration of their studies at Richmond. Students starting in the fall semester will be covered from July 1 through January 1 of the following year for one-semester exchange students or through July 1 of the graduation year for degree-seeking students. One-semester exchange students starting in the spring semester will be covered from January 1 through July 1.
Health insurance payments by J-1 exchange visitors should be made by personal check to "Trawick International" and submitted to Krittika Onsanit in the Office of International Education. It will take two to three weeks to receive your card.
J-1 exchange visitors and their dependents must enroll before arrival to campus. The cost is $106 per month per person for the 2016–17 academic year.
Co-payments or costs not covered by insurance must be paid by the nonimmigrant directly to the health care provider.
A co-payment is the percentage of Reasonable Expenses for Necessary Treatment or other amount that the plan does not pay and is therefore the responsibility of the insured. The insured should pay the co-payment directly to the medical provider, never to the insurance company or to the administrator.
Every insurance company has a list of costs for services rendered that is considered usual, reasonable, and customary for each region of the United States. UCR usually represents the cost that 80 percent of the doctors and hospitals in the region charge for certain medical procedures or diagnosis. The health insurance company updates the UCR semiannually. You may call them for information on doctors and hospitals that offer rates that are usual, reasonable, and customary.
GBG Administrative Service, Inc.
1956 J University Blvd. S. #264
Mobile, AL 36609
Toll-free telephone number 1-866-916-7920
You can order another one on the health insurance website.
Most international students are not prepared to pay such high costs for medical care. The University is not financially responsible for costs related to accidents or illnesses of any student.
Demonstration of adequate financial resources is necessary for the issuance of the I-20/DS-2019 and maintenance of one's F-1 and J-1 student status. Most people do not have disposable income to pay for health care associated with serious illnesses and accidents. Health insurance guarantees adequate resources in the case of a serious accident or illness.
The University has neither the staff time nor expertise to review policies from various countries or to review whether or not students are properly insured. In cases of emergency, policies outside of the United States are often difficult to use. Therefore, for the well being of the students and to protect the liability of the University and its employees, it is necessary to institute a mandatory health insurance plan.
Some international students do not keep their plans current. This policy will prevent lapses in health insurance coverage thus benefiting both the student and the institution should the student need health care.
A group plan makes health insurance affordable to all eligible students and/or non-immigrant dependents regardless of age.
Non-immigrant students who do not pay their bill will have a hold placed on their registration and will not be permitted to register for the following semester. Registration holds will not be cleared until the student has paid his or her bill.
Coverage is provided only as a result of dental injury.
The Medical College of Virginia Dentistry provides services at a fairly low cost compared to private offices.
The health insurance for your dependents must meet the same criteria for F-1 and J-1 visa holders. Payment for insurance must be received by Krittika Onsanit in the Office of International Education immediately upon arrival to campus.
The cost is $129.75 per month for each dependent.
As soon as your I-485 is approved, the applicant will be issued an EAD (Employment Authorization Document) from the USCIS. At this point, the individual's status is no longer nonimmigrant, which means that the individual is not required to enroll in the international student and scholar group plan. If you need to continue your health insurance coverage, you can purchase individual coverage through Aetna.
Whenever possible, you should ask your doctor and pharmacist if a generic brand of the medicine you have been prescribed is available. The generic medicine is usually less expensive and is the same medicine as the brand name.
Your medical records may be requested for a variety of reasons, including:
- To determine whether a claim is pre-existing
- When a physician lists multiple diagnoses
- In the case of accidents, medical records give a clearer picture of what may have happened.