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SUNY Mandatory Health and Accident Insurance for
International Students and Scholars

2012-2013 Information

In 1985, the SUNY Board of Trustees passed a resolution mandating that all individuals participating in SUNY programs of international exchange possess health and accident insurance through a policy contracted by the University. This was to protect international students from the exceptionally high cost of medical care in the United States, and to fulfill U.S. federal government regulatory requirements.

Waivers can only be given if your current insurance is as good or better than the SUNY policy. Unless your insurance policy meets the minimum coverage requirements outlined at you are not eligible for a waiver. Very few policies meet the minimum coverage requirements and few waivers are granted. Examples of health insurance policies that are NOT comparable are: All travel policies, United Health Care United Chinese Plan, ASPE, IIE (including Fulbright), various Blue Cross and Blue Shield plans, and many others. If you think you are eligible for a waiver, you must complete an Insurance Waiver Request Form found at, present a copy of your full insurance policy in English and proof of current dates of coverage to the International Health Insurance Coordinator, at the Office of International Student and Scholar Services. The policy and proof of coverage may be provided via e-mail to

The fee for the SUNY health insurance is $477.00 for the Fall 2012 semester and $667.75 for the Spring/Summer Semesters. Coverage is provided for a full twelve months (August 15 2012 through August 14 2013). Payment is made through your two semester tuition payments. Payment is made, along with your tuition and other fees to the Student Accounts Office at Binghamton University. Refunds for the summer months are not available.

Yes. Students in J-1 status should note that the US government REQUIRES that J-1 sponsored dependents have insurance. F-1 status students may also purchase health insurance for their dependent family members. Printed material describing the health insurance policy benefits and the cost plus enrollment information is available from the Office of International Student and Scholar Services or at

HTH Worldwide Insurance Services (, your health insurance company, will send a notification to your Binghamton University e-mail account when your health insurance ID card is ready. You must access their secure website, print your ID card and carry it with you.

If you are a student, visit the Decker Student Health Services Center. They will treat you. There is no extra charge. If they feel that you need to see a doctor in the Binghamton area, they will refer you to a doctor who can treat you.

If you are referred to a doctor, the Decker Student Health Services Center will give you a referral form. You enter the information on the HTH Worldwide Insurance Services website,, as directed on the referral form. With the referral form, HTH Worldwide Insurance Services will not charge you the $50.00 deductible that you must pay a doctor when you do not receive a referral.

If you are referred to a doctor: Call the doctor’s office to make an appointment. Bring your insurance card with you to present to the doctor’s office staff.

After you see the doctor, he or she will bill the insurance company to receive payment for your service.

Once the doctor is paid by the insurance company you will receive a statement from the insurance company showing how much of the bill they paid.

If there is any amount of money that you owe, the doctor will also send you a bill. The amount the doctor bills you should be the same amount that the insurance company showed as the “patient responsibility” on the statement they sent to you. That is the amount of money that you must pay the doctor.

If you receive doctor bills or letters from the insurance company or from the doctor regarding your bill that you do not understand, or if you are billed more money than you think you owe, or you need advice regarding your HTH insurance/doctor bills, contact the ISSS Health Insurance Team at or call 777-2510 for assistance.

If you are a scholar or faculty member: As someone who is not a student, you cannot use the Decker Student Health Services Center. The ISSS web page provides a search engine for finding a doctor. It is found on this ISSS web page in the Health Insurance section at the link “Finding a Participating Doctor or Hospital.” Or, you may contact the ISSS Health Insurance Team for assistance. A deductible of $50.00 per illness or injury will apply to your doctor visits.

Otherwise, follow the same steps for obtaining health care as outlined for students.
In most cases, you should wait until the Decker Student Health Services Center opens again in the morning. If the Center is closed on a weekend, you may see a doctor off campus. When the Decker Student Health Services Center re-opens, obtain a referral form from them and enter the information on their website,, as directed. The referral form will allow your $50.00 deductible to be waived.

If you have a Medical emergency, meaning, a life threatening event or severe and/or acute pain, seek immediate emergency care at a local hospital. Call 7-2222 from a campus land line phone, or 607-777-2222 from your cell phone. If you call 911 from your cell phone you will contact your local Police Department. Explain your off-campus emergency and that you are a Binghamton University Student. They will help you.

DO NOT use a hospital emergency room if you do not have a medical emergency. If you do, you will be charged very expensive emergency room and doctor fees and you will be charged an additional $50.00 deductible. You will also expect to wait 2-4 hours before you are seen, as people with real emergency conditions receive priority.

If the Decker Student Health Services Center is closed for an extended period and you must see a doctor off campus you have the option of going to a local medical “walk-in” clinic. The clinics are staffed by professional medical staff and you do not have to make an appointment to see a doctor. Some of the local walk-in clinics are:
HTH insurance does not cover prescription eye glasses or eye exams for glasses. They do not cover dental care unless you have an injury to a sound, natural tooth. There are dental discount plans that you can buy through HTH Worldwide Insurance Services, and there is a dental hygiene clinic at Broome Community College. You may call for information regarding the Broome Community College dental hygiene clinic at 607-778-5015 for information. See your HTH Worldwide Policy statement at for additional exclusions and limitations.
Your HTH Worldwide insurance covers you anywhere in the world. The one exception is coverage while you are in your home country. In your home country you have limited coverage for a maximum of $5,000 per calendar year if you do not have another health insurance plan.

Any questions, concerns or problems regarding insurance should be directed to the Health
Insurance Team at the Office of International Student and Scholar Services. You can reach them at 607-777-2510 or send an email to: You may also contact HTH Worldwide Insurance Services, Inc. concerning your claims or benefit questions at 1-888 350-2002 or

Additionally, all of the information presented here is available on the ISSS website. In addition you will also find health insurance forms, policy descriptions, a medical doctor search engine, and insurance enrollment forms for dependents. You can also go to, where you can view your account, your claims history, prescription drug translation tables, dental discount plans, and much, much more.

Remember: You can always contact the Health Insurance Team at
for help and advice. We are here to help you!


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Last Updated: 8/28/14