International Student Health Insurance and Services

The Allowed Amount is the maximum amount that BCBS Global Solutions will reimburse for covered services and supplies under the plan. For in-network providers, this amount has been pre-negotiated, so you will not be responsible for any charges above the allowed amount. For out-of-network providers, charges may exceed the allowed amount established by BCBS Global Solutions. In those cases, you would be responsible for paying any amount billed above the allowed amount, in addition to any applicable cost-sharing.

The percentage of costs you share with your insurance after you’ve met your deductible. 

Good news! BCBS Global Solutions pays 100% of the Allowed Amount of your doctors' bills as long as you visit an in-network medical provider.

A fixed fee you pay for certain services like doctor visits or prescriptions, usually at the time of the appointment. 

Good news! BCBS Global Solutions has no copays for doctors. A small co-pay for prescriptions:

• Generics: $25 copay per prescription, then covered at 100%.
• Brand-name drugs: $50 copay per prescription, then covered at 100%.
• Injectables: $50 copay per prescription, then covered at 100%.

The amount you must pay for covered services before your insurance begins to pay. This plan has a $0 deductible, which means you do not have to pay a deductible before your benefits begin.

• ER: For life-threatening conditions or serious injuries.
• Urgent Care: For non-life-threatening issues (e.g., minor cuts, flu, infections) when your regular doctor is unavailable. 

Use ER only when necessary to avoid high costs.

A summary from your insurance company showing what was billed, what they covered, and what you may owe. 

Not a bill—just a record of services. You can access your EOB through your BCBS Global Solutions online account or by logging into the BCBS Global Solutions mobile app with your account.

A doctor or healthcare facility that has a contract with your insurance company to provide services at a lower cost. 

Always try to visit in-network providers, when possible, so that BCBS Global Solutions will cover your doctor’s bill at 100% with $0 deductible.

• Medical Evacuation: If you’re seriously sick or hurt and the nearest place that can treat you is far away, the plan pays to transport you there. Covered up to $250,000 a year.
• Repatriation of Remains: If a covered person dies, the plan pays to return their remains to their home country. Covered up to $100,000 a year.

A provider that does not have a contract with your insurance. Seeing one may result in higher costs or no coverage at all. 

Check with your insurance plan before scheduling appointments. If you go to an out-of-network provider, BCBS Global Solutions will only pay 70% of your doctor’s bill.

The most you pay for covered care in one year is $6,500. Once you reach this limit, the plan pays 100% of covered in-network services for the rest of the year. Copays — including prescription, urgent care, and emergency room copays — do not count toward the $6,500, so you may still owe those after you reach the limit.  

Approval from your insurance company before certain services or medications are covered. 

Without it, you might be responsible for the full cost.

The amount you pay to have health insurance. For international students, the premium is usually billed each fall and spring as part of your tuition or student fees.

Think of it as a subscription fee for your health plan—it gives you access to coverage even if you don’t use any services that semester.

A formal request from a primary care provider for you to see a specialist or get certain services. 

You will not usually need a referral with BCBS Global Solutions. However, certain situations may require a referral before they’ll cover specialist care.