Finding a Doctor or Hospital when Using the International Student Health Insurance

When choosing a doctor to visit, or a hospital for treatment in the United States, make sure that the doctor or hospital is part of Aetna's U.S. network as a “preferred provider.” 

Be sure to read the document titled SUNY Health Insurance for International Students and Scholars on the ISSS web site to understand the requirement for student use of the Decker Student Health Services Center, and the $50 deductible requirement for scholars and non-referred student physician visits.

By using a “preferred provider”, you will avoid having to pay the difference between the provider's charge and the rate that the insurance company contracts to pay for a particular service.  For example, if a “non-preferred provider” charged $100.00 for an office visit and HTH Worldwide Insurance Services pays at their contract rate of $75.00 for a “preferred provider”, you will be responsible for the difference of $25.00. 

To determine who is a preferred provider, go to or and follow the links.

Complete the information requested under “general search.”

Click "zip code" or "City" depending upon how you want to base your search (if entering a zip code, select how many miles from your zip code you are willing to travel). Binghamton University is in the 13902 zip code area.

Select a provider category

Select a provider type

For Plan, select, Passport to Healthcare@Primary PPO Network

Click "start search"

Choose only doctors and hospitals that are listed under Passport to Healthcare@Primary PPO Network, otherwise, you will have to pay the difference in cost between what the doctor charges and what the insurance company pays.

NOTE: All of the local hospitals (UHS Binghamton General Hospital, UHS Wilson Medical Center and Lourdes Hospital) are participating “preferred providers” in the AETNA System.

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. Both United Health Services (UHS) and Lourdes Hospital operate several walk-in clinics in the Binghamton area. The closest walk-in clinic to campus is UHS Vestal, which is on the Vestal Parkway directly across from the University’s main entrance. Click on United Health Services Clinics and Lourdes Hospital Clinics to view a complete list.

Last Updated: 8/28/14