Montana State University

 

 

Health Care & Insurance

Health care in the United States of America

Do you know? The cost of...

  • an off-campus doctor visit varies between $100-$500
  • a hospital emergency room visit is above $600
  • hospital charges (not including surgery) are $2,500 per day or night

Health care is very expensive in the United States and the U.S. government does not pay any part of the medical expenses for international students students or their family members. This is why having health insurance is mandatory. If you do not have an insurance plan and end up needing medical treatment, be prepared to pay huge bills without any reimbursement options.

Buying an insurance plan after you get sick or injured is impossible because insurance companies do not pay for services wich occured in the past..

Therefore, all students are required to have health insurance coverage.

You should be familiar with the following terms:

  • "Co-pay": the co-pay is the amount that must be paid after each visit to a doctor's office.
  • "Deductible": the amount the insured is required and obligated to pay by the insurance policy. The deductible is chosen by the insured. Generally the lower the deductible, the higher the insurance premium.
  • "Out of pocket expenses": direct outlays of cash whichwill not be reimbursed.

Three ways to insure yourself or your family members:

 

MSU Insurance

Private U.S. Company

Home Country

Blue Cross Blue Shield
Cost:

39 years and under:
Student only - US$955.00 per semester
Student & Spouse - US$1,746.00

Student & Child (ren) - US$1,553.00
Student, Spouse & Child(ren) - US$3,272.00

40 years and over:

Student only - US$1,788.00 per semester
Student & Spouse - US$3,327.00

Student & Child(ren) - US$2,960
Student, Spouse & Child(ren) - US$6,236.00

 

The student insurance (only) will be automatically charged to the student's account unless waived by the student.

Purchase a health insurance plan from a private company in the U.S. List of possible providers. Please be aware that this coverage is minimal.

 

 

Purchase an insurance plan in your home country (If the plan is international, verify it includes the U.S.)

 



Please be aware of the following:

  1. All ACE students, and all other students registered for seven or more on-campus credits, are eligible to use the Health Service. Doctor visits are always free.
  2. Students with fewer than seven credits, students whose classes are off-campus, and students' spouses, may pay the health fee at any time during the semester for access to the clinic. The Health Service does not see children. The fee is $177.50 for students and $166 for spouses.
  3. If you have MSU insurance and go to the Health Service, all lab tests, xrays, minor surgeries, procedures, and medical supplies such as crutches are free. You will have a co-pay for any prescriptions (this varies, depending on the prescription).
  4. If you do not have MSU insurance and go to the Health Service, the doctor visit is still free, but you will have to pay for any xrays, labs or minor procedures. The pharmacy at the Health Service can usually bill your insurance company for prescriptions. Charges for services such as xrays or labs are due at the time of the visit. The Student Health Service will give you a statement to send to your insurance carrier. If you have an international policy, often they will reimburse you for 100% of the services if you use the Student Health Service.
  5. The dental clinic is availble to students only (not spouses). The charges for services at the dental clinic are about half of what they would be if you went to an off-campus dental clinic.
  6. Ambulances are very expensive. Going to the Bozeman Deaconess Hospital will cost at least $800. Use it only if it is a true emergency.
  7. Most insurances do NOT cover dental or lenses. It has to be a separate contract.
  8. Please make sure that pharmacy is covered.

Make sure to read the information provided by your insurance company carefully in order to understand what your coverage includes and how it works. Keep your insurance card in your wallet or purse at all times.


Useful numbers:

Student Health Services: 994-2311; Swingle Hall - open weekdays from 8 am to 4:30 pm and Saturdays from 8 am to 11:30 am.
Bozeman Urgent Care Center: 586-8711; 1006 West Main Street - open weekdays from 9 am to 8 pm and Saturdays/Sundays from 10 am to 5 pm - map
Family Doctor Urgent Care: 556-9715; 120 North 19th Avenue- open weekdays from 9 am to 8 pm and Saturdays/Sundays from 10 am to 5 pm - map
Bozeman Deaconess Hospital: 585-1000; 915 Highland Blvd - 24h/7days for serious emergencies only - map


Student Health Services on campus

For MSU student (with a minimum of 7 credits) and A.C.E. students.

 

 

Service

 

With MSU Insurance

 

Without MSU Insurance

Visits to health care providers No charge No charge
Men's or women's health exam No charge Lab charges apply
Nutritional Counseling No charge No charge
Laboratory tests No charge Charges apply
X-rays No charge Charges apply
Prescription See below CHARGE
Wart treatment No charge $4.00 per site

Minor surgeries, procedures,wound care,

sutures, suture removal

No charge

Charges apply

(except suture removal)

Crutch rentals, ankels braces, orthodeic

supplies

Charges apply Charges apply
Allergy shots $3.00 per shot $3.00 per shot
Dental Services Charges apply Charges apply
Immunizations Charges apply Charges apply

 

Prescriptions with MSU insurance: Once the $300 deductible is met, insurance pays 100% of generics, 70% of brand name drugs.

Charges for health service are payable at the time of the visit. in most cases prices are less than 1/2 of what they would be at a off-campus health provider. Student Health Services will give you an itemized statement to file with the private insurance company.