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  • Health insurance

    F-1 and J-1 Students

    Healthcare in the United States can be very expensive. All J-1 and F-1 international students and scholars are required to enroll in health insurance for the duration of their stay at UWL. No health insurance waivers will be accepted. 

    Student Assurance Services provides medical insurance to international students and scholars at UWL starting Fall 2015. It is extremely important to know how to use this insurance to ensure injuries and illnesses can be covered. Unpaid healthcare bills can cost thousands of dollars that will be your responsibility. Additionally, unpaid medical bills may be sent to a collections agency and may even impact future visits to the U.S.

    UWL students, with their student id's, should always try to visit the Student Health Center on campus first before utilizing a healthcare facility in the community. The Student Health Center offers quality care at a discounted price for students.  If you visit a healthcare facility off campus, make sure to bring your insurance card.  (Students and scholars will be notified when their health insurance card can be picked up.) When visiting a health care facility off campus, please ask the facility to make a copy of your insurance card for their records. Also, ask if there are any forms you need to sign to make sure the healthcare facility can send your information to Student Assurance Services. 

    If you have questions about what is covered by Student Assurance Services, please review the quick coverage guide and coverage brochure

    Preferred Provider Directory - Health EOS Plus or Multiplan

    Preferred Pharmacy Directory - Catamaran

    For assistance and questions about insurance benefits, ID cards, claim status, or claim processing contact the Plan Administrator:


    Student Assurance Services, Inc. (SAS)
    Post Office Box 196
    Stillwater, MN 55082-0196
    Phone: (800) 328-2739


    Bills must be submitted within 90 days after the date of the injury or sickness, or as soon as reasonably possible. Information to identify the insured must be provided and should include: student name, patient name, address, student ID number or social security number, birthdate, and name of the school.



    Prior to August 14, 2015 Cultural Insurance Services International (CISI) provided medical insurance to international students at UWL. If you were enrolled in CISI health insurance please be sure to submit any remaining bills before August 2015.  This health insurance can only be used in the U.S. 

    In-network Providers List

    Ask the facility to make a copy of your insurance card for their records. Also, ask if there are any forms you need to sign to make sure the healthcare facility can send your information to CISI. 

    Next, complete a Medical Claim Form as soon as possible after your visit. CISI cannot make a payment on your medical bill until they have received information from the healthcare facility and your Medical Claim Form. IEE can submit your Medical Claim Form directly to CISI, or if you prefer, you can submit it by yourself.

    Save everything that is sent to you from CISI and the healthcare facility where you were seen. If you receive a bill from a healthcare facility and have not yet submitted a Medical Claim Form, do so immediately. Additionally, CISI may contact you if they need additional information. Open the mail and review it carefully. If you have questions, please see your international student advisor. 

    CISI determines how much insurance will cover for the cost of a visit to a healthcare facility. A letter will be sent to you explaining what CISI insurance will cover and what cost you are responsible for paying. It is important that you pay the cost not covered by insurance to the healthcare facility as soon as possible. Many healthcare facilities allow patients to pay their bill online using a credit card. This information will be included in correspondence from the healthcare facility.


    Health insurance is also available for dependents. Please meet with your international student advisor to learn more.