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 CSUHealthLink which exceeds the CSU minimum requirements at a reasonable cost.

International students will be automatically enrolled in CSUHealthLink 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 CSU HealthLink medical insurance plan).

The CSUHealthLink plan operates as a “Preferred Care Provider” organization (PCPO). This means that patients receive the highest level of benefits if they choose a health care provider (doctor, clinic, hospital, etc.) within the “network” (the PCPO). In many cases, the co-payment for services is 0%. But if the care provider is NOT in the “network” (not a Preferred Care Provider) then the co-payment may be as high as 25%. A $100 deductible, paid once in the policy year, applies in most cases whether or not the health care provider is in the network. An additional $50 deductible applies to each use of the Emergency Room (ER).

Included in the plan benefits is the nurse advice line, also known as Aetna Informed Health Line. Available 24 hours every day of the year, you are urged to call 1-800-556-1555 at no cost to you to describe to a nurse your symptoms and get advice about what to do next. The nurse can also help you find a Preferred Provider in your local area.

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 PCPO. Always check with the provider to confirm PCPO status before receiving services.

Complete details about the benefits covered by the CSUHealthLink policy (and limitations and exclusions) can be found by downloading a brochure here, or you may ask for a brochure at the HSU Center for International Programs or the HSU College of eLearning & Extended Education.  Access Aetna's Member Information Site here.

The new U.S. HealthCare Reform regulation requires that all potential insured members are notified of the availability of the health insurance plan Summary of Benefits and Coverage (SBC) document.  The purpose of the document is to make it easier for you to read and understand the insurance benefits made available to you in a simplified document that is standard across all insurance companies. You may obtain a copy of your SBC on the student insurance website at this website or by calling our student insurance brokers, Wells Fargo Insurance Services, at (800) 853-5899.


Co-payment: Part of the Maximum Allowed Amount the patient is responsible for paying. Mostly applicable to services of non-Preferred Care Providers (out of “network”).

Deductible: Part of the Maximum Allowed Amount the patient must pay for Covered Services before any benefits are available. Once paid during the Policy Year, it does not need to be paid again during the same Policy Year. However, there is an additional $50 deductible for each use of the Emergency Room unless patient is admitted to the hospital.

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.