Medical Clinic

Insurance

Using Insurance at the Medical Clinic

Medical Clinic has established contracts with many major health insurance plans. Students with these insurance plans can have their charges billed directly by presenting a valid insurance card with policy information.

If you do not have insurance or have a plan we are unable to bill directly, you are responsible for charges. After you have paid for your charges at the Medical Clinic, you may be able to submit the charges to your insurance company for reimbursement. Contact us if you have questions.

Please bring your insurance card to every visit.

Canceling an Appointment

The Medical Clinic charges a $15 missed-appointment fee to patients who miss more than two appointments. If circumstances prevent you from keeping an appointment, a phone call to cancel can help you avoid incurring the fee. Health insurance companies do not pay this fee.

Obtaining Health Insurance

Mid-Minnesota Legal Aid helps people sign up for insurance: Mid-Minnesota Legal Aid: 320-253-0121

or find options available to you at MNsure: www.mnsure.org

Paying Your Bill

Bills are sent via secure message in the patient portal at myhealthservices.stcloudstate.edu. You will receive an email in your St. Cloud State account stating you have a secure message. Full payment of your bill is due 30 days after you receive this email.

Options for paying your bill at the Medical Clinic:

You may come in to the Medical Clinic to pay at the check-out desk, mail a check, or call with credit card information. We would be happy to print an itemized receipt upon request.
You may call our cashier and request that your bill be sent to the business office to be added to your other university charges. (A hold may be placed on registration until the bill is paid.) This request will need to be made each time you receive a message.
You may call the cashier to request a paper bill be mailed to you at whatever address you provide. This request will need to be made each time you receive an email.
Acceptable payment methods: cash, checks, and credit cards (Mastercard, Visa, Discover and American Express).

If you do not pay your bill or make payment arrangements before it is due, the St. Cloud State Business Office will be notified and you will be charged a $20 late fee. The bill will be added to your University account and you will not be allowed to register for future classes, or receive a transcript or grades until your bill has been paid.

HIPAA (Health Insurance Portability and Accountability Act) regulations do not permit the Medical Clinic to send or email bills to anyone other than the student.

International Student Insurance

Understanding your student insurance

United Healthcare Student Resources: Log in to your account to print your insurance card, view benefits, find a provider, view claims, and update your address.
Depending on where you receive medical treatment, there may be differences in cost for the same services.
If you have questions regarding coverage on or off campus, contact the Student Insurance Advocate at studentinsurance@stcloudstate.edu or by calling 320-308-4855.

Helpful videos about your international student insurance plan

Pharmacy Benefits

Prescriptions

Using Coborn’s Pharmacy on Cooper Ave, St. Cloud

Generic prescriptions: covered at 100% by the insurance company – That means no cost to you!
Brand-name prescriptions: patient pays a $15 co-payment, 100% of the rest of the cost is covered.
Automatic refill, text reminders and mail service for your prescriptions are available.

Using any other pharmacy

Patients will be responsible for one of the following rates:

Tier 1- Patient pays $15.00
Tier 2- Patient pays $30.00
Tier 3- Patient pays 40% Co-insurance
To determine your cost, please review the medication tier-level.

Non Prescription Medications

Non prescription (over-the-counter) medications are available at all pharmacies and do not require a prescription from a medical provider. They are not covered by this insurance plan and will be the patient’s responsibility.

Nurseline

Students with this insurance have access to nurse advice and health information 24 hours a day, seven days a week. Call the Collegiate Assistance Program at 1-877-643-5130 PIN: 211. This number is printed on your insurance card.

Minnesota State health requirements

New students

New international degree-seeking students must pay their health insurance before registering for classes. The health insurance charge for the 2024-25 academic year is $2,346.
Exchange students who are not seeking a degree and those who will be here only for a short time, are also required to purchase university health insurance. Costs vary depending on your time of study and are outlined in your welcome packet.
An immunization record is required for many students attending St. Cloud State.

More Information

Frequently Asked Questions - International Students

Using International Student Insurance for Plymouth students

United Healthcare Student Resources, UHCSR, is St. Cloud State University's designated insurance policy for international students in F1 and J1 visa status.

Important information

This is an illness and injury plan with preventive care benefits.
Dental coverage is not included in this plan.
Additionally, not all services offered at a medical facility are guaranteed to be covered by the insurance plan.
If not an emergency, member should attempt to verify benefits with UHCSR prior to receiving a service.
After $50 deductible per illness or injury, patient is responsible for 20% of each bill. UHCSR will pay 80% if services are covered.
- If seen multiple times in the same policy year for the same illness or injury, member will only pay the $50 deductible once and will be responsible for 20% of each bill received.

Helpful videos about your international student insurance plan

Find a provider:

Use the following instructions to find an in-network provider:

www.uhcsr.com/myaccount (login required) or www.uhcsr.com/stcloudstate
Click “Find a Provider”
Update zip code to where insured wants to seek medical care
Search for people/places/services & treatments or type a specific name into the search bar
Filter down results.

Healthcare options near Plymouth Campus

Healthcare options near zip code 55442. No preference was given in listing.

Clinics

CVS Walk in Minute Clinic, Maple Grove
6300 Wedgwood Rd N
Maple Grove, MN 55311
Phone: (866) 389-2727

Mercy Physician’s Group
Rural Health Clinic
212 Clydesdale Trl Suite 1040
Hamel, MN 55340
Phone: (763) 203-6600

Fremont Clinic
3300 Fremont Ave N
Minneapolis, MN 55412
Phone: (612) 588-9411

Urgent Care

Park Nicollet Clinic Brookdale
(Urgent Care Medicine, General Practice)
3007 Harbor Ln N Minneapolis, MN 55447
Phone: (952) 993-8900

Allina Health Maplewood Clinic
(Urgent Care Medicine, General Practice)
2855 Campus Dr
Plymouth, MN 55441
Phone: (763) 577-7160

Suburban Emergency Associates
(Urgent Care Medicine, General Practice)

14700 28th Ave N Ste 20
Minneapolis, MN 55447
Phone: (952) 403-2200

Emergency Rooms

Regency Hospital Minneapolis
1300 Hidden Lake Pkwy
Golden Valley, MN 55422
Phone: (763) 588-2750

North Memorial Health Hospital
3300 Oakdale Ave N
Robbinsdale, MN 55422
Phone: (763) 520-5200

Park Nicollet Methodist Hospital
15800 95th Ave N
Maple Grove, MN 55369
Phone: (952) 977-3249

Questions about insurance benefits and claims can be directed to the SCSU Student Insurance Advocate:
Email: studentinsurance@stcloudstate.edu
Phone: 320-308-4855