Health Insurance

Nurses at the California State university, Fullerton Health Center While you are studying in the United States, it is important to maintain good health. Health insurance can cover the high costs of medicine, doctor's visits, treatment and unexpected illnesses or injuries. Medical care in the U.S. is very expensive and having health insurance protects you and saves you money.

As a registered student at Cal State Fullerton, you are eligible for health care at the Student Health and Counseling Center (SHCC). The services of the physicians, nurses and other professional staff at the Health Center (HC) are supported by a portion of the fees you pay to the university. This means that there is no charge (or minimal charge) for use of the basic care given at the Student Health Center. Also, there are no fees for counseling services provided by professional counselors in our Counseling and Psychological Services office. Here is a list of services provided by the SHCC.

CSUF also requires international students to be covered by health insurance during their period of enrollment at the university. Health Insurance can be purchased through the International Student Services office (ISS).

Requirements of your policy

In order to meet the health insurance requirement, your policy must meet the following requirements:

The medical benefit must be at least $250,000 per condition.
Have a minimum amount for medical evacuation coverage of $10,000. "Medical evacuation coverage" means that in case you are severely ill and require special travel arrangements back to your home country, the insurance company will pay for the travel expenses to your country.
Have a minimum amount for repatriation coverage of $7,500. "Repatriation coverage" means that in case of death, the insurance company will pay to transport your remains back to your home country.
Offer a deductible not greater than $100. A "deductible" is the amount a participant must pay before the insurance company will begin to pay.
Have a policy and an identification document which is written in English. The policy must be funded in the United States.
Not discriminate according to gender by denying maternity benefits or some other gender-specific expenditure. This means pregnancy expenses must be covered.
Cover costs for pre-existing conditions six months after your insurance begins. "Pre-existing conditions" are illnesses or problems you had before you purchased health insurance.
Clearly show the start and end date of your coverage.
Clearly state the maximum dollar coverage per illness.
Provide an outline of all covered services.
Provide an outline of all excluded services.
Provide information on how to reach the insurance company in case of emergency (address and telephone number).

Costs of Health Insurance

For insurance purchased through the International Student Services office between August 15, 2008 and August 15, 2009, the costs are as follows:

CSU FULLERTON	MONTHLY COST
Student (30 and under)	$86
31-49	$108
50 and over	$146
Spouse	$228
Child (18 and under)	$115

Students must purchase an entire semester's worth of insurance; for example, a student would pay $328 (4 months) for the fall semester.

Benefits of CSUF Health Insurance

With this insurance, the following benefits will be included:

Full reimbursement for services at the CSUF Health Center for illness or injury
$15 office visit fee for in-network doctor visits
$30 office visit fee for out-of-network doctor visits
100% coverage (after $100 yearly deductible) of usual (or customary) expenses at participating medical clinics or hospitals. (You will receive a list of participating doctors/hospitals.)
Coverage is effective in all countries, excluding student's home country
Medical evacuation benefit
Repatriation benefit
Policy meets all immigration, USIA (U.S. Information Agency), and CSU (California State University) requirements
100% reimbursement for prescribed medicines purchased at the CSUF Health Center. 50% reimbursement for prescribed medicines purchased from other locations.

Petitioning for alternate Health Insurance

If you wish to use a health insurance policy other than the one offered by the International Student Services office, you should fill out this form, and bring it with you when you register for classes. Click here to download the Petition form.(PDF 57KB)

For more information about health insurance, please contact us at:

Jessica Hammond

International Student Services Office, CP-207
California State University, Fullerton
2600 E. Nutwood Ave.
Fullerton, CA 92831, U.S.A.
Tel: (657) 278-2909
Fax: (657) 278-7114
Email: jhammond@fullerton.edu

CSUF insurance is provided by Blue Cross

Blue Cross PPO Prudent Buyer Plan
http://www.bluecrossca.com
Tel: 1-800-888-2108

Claims administered by:

BC Life & Health Insurance Company (BC Life)
Blue Cross PPO Prudent Buyer Plan
21555 Oxnard Street; AC 4G
Woodland Hills, CA 91367
Attn: Student Health Customer Service Manager
Tel: 1-800-888-2108

Download health insurance claim form (PDF 41KB)

Servicing Agent:

Wells Fargo of California
Insurance Services, Inc.
Student Insurance Division
CA License No. 0352275
11017 Cobblerock Dr., Suite #100
Rancho Cordova, CA 95670
Tel: 1-800-853-5899
http://www.csuhealthlink.com