Health Insurance

The California State University (CSU) system requires that all non-immigrant international students maintain continuous insurance coverage for health care, medical evacuation, and repatriation while enrolled at a CSU campus. Humboldt State University has arranged coverage with a policy via Aetna which exceeds the CSU minimum requirements.

International students will be automatically enrolled in Aetna upon enrollment at HSU. Each academic term, the fee/cost for the coverage will be assessed to the student's account and paid when the student is paying for other campus-related fees (students who are part of a group whose coordinator/director has received pre-approval from HSU for the group's medical insurance will not be enrolled in the medical insurance plan).

Students are encouraged to visit the campus Student Health Center (SHC) first if the SHC is open and the student's condition is considered routine (not life-threatening). A student may be referred by the SHC to a health care practitioner in the local community, but that referral may or may not be to a Preferred Care Provider. Always check with the provider coverage by calling Aetna customer service line (phone number is on your ID card). 

Complete details about the benefits covered by the Aetna policy (and limitations and exclusions) and to obtain your medical ID card can be found here. 

Definitions

Emergency Room (ER): Part of a hospital that's open at all hours, every day, to treat severe and life-threatening conditions. When you believe that your condition may permanently endanger your health or lead to your death if not treated promptly, use of the ER is appropriate.

Preferred Care Provider: Any hospital, physician, ambulatory surgical center, durable equipment outlet, clinical laboratory, skilled nursing facility, or diagnostic imagining services facility that has an agreement with Aetna to accept the negotiated charges for covered services in effect at the time services are provided to the patient. Use of a Preferred Care Provider will save the patient money when compared to the same services of a non-Preferred Care Provider.