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International Student Health Insurance (ISHI)

All inbound international students are mandated and automatically enrolled in the SUNY Student Health Insurance Program

2022-23 Coverage Highlights (Inbound)

  • COVID-19 Vaccine - 100% covered
  • Coverage is worldwide. To local a provider in your network, see the information listed below for United States and Abroad.
  • Tele-Doc service for minor sickness, injury & mental health
Plan Design (Per Person, Annually) In-Network Benefits Out of Network Benefits
Annual Deductible $200 (student pays this 1 time, annually, not with each visit) $400 (student pays this 1 time, annually, not with each visit)
Coinsurance 0% 10%
Preventative Care Services Covered in full (annual physical, OBGYN) Covered in full (annual physical, OBGYN)
Primary Care Visit $25 copay
After $200 deductible is met
$50 copay
After $400 deductible is met
Urgent Care Visit $25 copay
After $200 deductible is met
$50 copay
After $400 deductible is met
Emergency Room 0% coinsurance/copay
After $200 deductible is met

$75 copay
After $400 deductible is met

Ambulance 0% coinsurance/copay 
After $200 deductible is met
10% copay
After $400 deductible is met
In-Patient Hospital Care 0% coinsurance/copay 
After $200 deductible is met
10% copay
After $400 deductible is met
Prescription Drugs $10 copay for tier 1 drugs, and a $20 copay for tier 2 or 3 drugs $10 copay for tier 1 drugs, and a $20 copay for tier 2 or 3 drugs

The benefits listed above are a brief summary of the Student Health Insurance Plan design. Additional Schedule of Medical Expense Benefits/Limitations are specified in the Master Policy.

***The Emergency Room (ER) is for severe or life threatening medical issues (such as a broken bone, bleeding that will not stop, chest pain). Do not go to the ER for non-emergent health issues (such as a cold or cough).

View More Inbound Coverage Highlights

View Inbound Coverage Brochure

Additional Coverage Highlights and Brochures:

 

Rates and Dates of Coverage
Medical Providers and Coverage Abroad
Tele-Health / Tele-Counseling
Dependents
Accounts and ID Cards
Claims
Waivers
Fitness Reimbursement for United Healthcare
Dental Coverage

Frequently Asked Questions

For additional questions about insurance charges on your student account, you may contact the Student Health Insurance Office at:

FSA Student Insurance Office
Phone: (631) 632-6054
Emailstudenthealthinsurance@stonybrook.edu