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International Student Health Insurance

HTH Worldwide is contracted by SUNY to provide health insurance to you while in the United States and abroad. Benefits subject to change. Please go directly to the HTH Worldwide website for current insurance plan details.

All F-1 international students and scholars are required SUNY to have health insurance for the duration of your stay at Herkimer College. Unless you have provided The Bursar’s Office with proof of your own coverage that is comparable to HTH Worldwide, then health costs will automatically be added to your bill each semester.

It is necessary to have health insurance because the cost of health care services here in the United States is very high. If you require medical attention, it is important you are able to receive the proper attention without accumulating a large amount of out of pocket expenses.

Insurance Plan Coverage
• Physician office visits
• Inpatient hospital stay
• Outpatient services
• Maternity care for a covered pregnancy
• Outpatient treatment for mental/ nervous conditions
• Routine nursery care of a newborn child of a covered pregnancy (up to $1500 max per policy year)
• Medical treatment arising from participation in intercollegiate or interscholastic sport (up to $1500 max per policy year)
• Repairs to sound, natural teeth required due to an injury
• Vaccinations (MMR & Meningitis)
• Outpatient prescription drugs (filled at student health center or pharmacy – 31 day supply.

This plan provides full policy benefits everywhere in the world except in your country of origin. In the participant’s country of origin, only medical treatment up to $5000 is covered (if not covered by another plan).

Health Insurance Card
You must present your insurance card to the off-campus medical provider(s), which you can print off of the HTH Worldwide website. Without your card or insurance information, you will be billed for the services provided.

Medical Evacuation and Repatriation (MEDEX)
You are required as an international student to have coverage for emergency evacuation and repatriation. The cost is covered within your health insurance premium. MEDEX provides the following benefits:
• Transportation back to country of origin when sick or injured
• The return of deceased member’s remains to country of origin
• Translation services
• Emergency Reunion Benefit
• Political and Security Evacuations

Have your own health insurance?
To use your own health insurance you must determine if it meets SUNY guidelines. You may file a foreign health insurance waiver with Mrs. Debra Sutliff in the bursar’s office. Attach a copy of your insurance card front and back, along with the effective and termination dates and description of your benefits. You will also need to provide a letter from your insurance company (in English) that certifies you are covered for international travel, in addition to proof of medical evacuation and repatriation.
Your documentation will be reviewed, and if it is deemed comparable, you will have effectively waived out of the SUNY International Insurance Program. Be aware of any applicable deadlines.

Visit to log in to your account.

You can also find information on the Haylor, Freyer & Coon Inc., International Travel website page. Here, you may read through the student and/or the dependent brochure(s) that discuss your insurance benefits. Definitions are provided in the left column for any insurance term you may not understand. You may find additional international health insurance information by clicking Register for International Student Health Insurance Program.

Questions or concerns, contact:
Haylor, Freyer & Coon

Debra Sutliff
Herkimer College – Bursar
315-866-0300 x.8298

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