A:  Open your internet browser and visit https://lasierra.edu/wellness. Click on 'Medical Services" in the left sidebar. Once the page loads, select "Health Insurance" in the left sidebar . Follow the instructions under "Insurance Card" to get your card - visit your Student Insurance Portal and select "Plan Documents".

The U.S. offers many places to seek medical attention when you are sick or injured. The most common include:

   Doctor’s Office- This is where you would typically go for a cold, flu, stomach problem. You generally are required to call in advance and make an appointment. If you do not need immediate medical attention this is a good choice.

   Walk In Clinic/Urgent Care Center- (Our Student Wellness Services could be considered a doctor’s office and/or walk in clinic depending on the medical services you need). This type of medical facility is staffed with doctors and nurses and does not require an appointment. This is a good place to go when you need immediate treatment, labs, or tests done right away. This is a good option if you are not feeling well or have an injury and you need immediate attention.

   Hospital/ Emergency Room- If you have a severe accident or illness and you need immediate medical attention, please go to the nearest emergency room or hospital, and/or call 911 emergency services. 

Most medical offices or personnel will tell you what you need to bring prior to your appointment or health care worker’s arrival. However, we encourage you to always have a government issued ID (California license, passport, or government issued ID), current medical insurance card, cash or credit for payment, and address of the nearest pharmacy to you in case a prescription is required.

When making an appointment, be sure to tell the provider that your plan is with the UnitedHealthcare Network. The International Student Insurance (ISI) or International Medical Group (IMG) is not a network. It’s important to let them know that your plan is with the UnitedHealthcare Network and the logo will be on your insurance ID card if you forget.

U.S. healthcare plans often have a deductible required upon service. IMG plan’s deductible is $25 per injury/illness to go to a doctor, walk-in clinic, or urgent care and $250 for an emergency room visit for treatment of an illness that does not result in direct hospital admission.

IMG calls this coinsurance. IMG will pay 100% of illnesses or injuries in-network after you pay the deductible and 80% of illnesses and injuries out-of-network.

   In-network: medical treatment received in hospitals, walk-in clinics, urgent care, hospitals, and emergency rooms for which IMG has agreements within the UnitedHealthcare Network. PPO Network. Click Doctor/Hospital Search and UnitedHealthcare.

   Out-of-network: All other medical treatment facilities for which UnitedHealthcare Network (i.e. IMG) does not have an agreement. Example: Kaiser Permanent.

The Wellness Center provides a variety of services. These include: urgent care, some physical examinations, women’s health, immunizations, Tuberculin Skin Test, minor surgery, suturing and suture removal, wart treatment, clinical laboratory tests, referrals, first aid, health education/counseling, selected medications, and equipment loans. To make an appointment, call their office during regular business hours at (951) 785-2200.

When making an appointment, be sure to tell the provider that your plan is with the UnitedHealthcare Network. The International Student Insurance (ISI) or International Medical Group (IMG) is not a network. It’s important to let the doctor know that your plan is with the UnitedHealthcare Network and the logo will be on your insurance ID card if you forget. Also, provide them the member benefits phone number (on your insurance ID card), to call and confirm eligibility and coverage.

International student insurance plans in the US provide none- minimal dental/vision coverage. IMG insurance includes vision or dental coverage to address injury only, e.g.  IMG will cover dental treatment up to $350 due to unexpected pain to sound, natural teeth and up to $500 for non-emergency treatment due to an accident, and provide coverage for eye prostheses. No routine/preventive vision/dental care is covered. If you would like to obtain vision/dental coverage for yourself, we encourage you to research plans that fit your needs and are within your budget. We do not have any affiliation with nor endorse any particular dental or vision plan but have provided you with a few popular providers below. 

Dental Insurance Providers 
  Cigna Individual or Family Plans link https://www.cigna.com/individuals-families/plans-services/dental-insurance-plans/
  Delta Dental Individual or Family Plans link https://www1.deltadentalins.com/
  Humana Individual and Family Dental Insurance Plans link https://www.humana.com/dental-insurance
https://www.humana.com/dental-insuranceVision Insurance Providers
   VSP Individual Vision Plans link https://www.vspdirect.com/
   Direct Vision Insurance Plans link https://directvisioninsurance.com/
   eHealth Vision Insurance link https://www.ehealthinsurance.com/vision-insurance

All dental and vision insurance providers will require you to enroll in a plan. Each plan offered will provide additional services and the cost will raise accordingly. Please read and understand all the coverage your chosen plan will provide. You will be responsible for the cost.
 

La Sierra Student Wellness can provide you with the TB test for $15. Please call them during regular business hours to make an appointment at (951) 785-2200 or visit to https://www.lasierra.edu/medical-services

Maternity care requires PRE-CERIFICATION. Please contact IMG customer service at via phone or email for more information: 
USA Toll Free (855) 731-9445
USA Direct +1 (317) 927-6806
CustomerCare@IMGlobal.com

Once you are pre-certified IMG covers 80% of your maternity costs within the PPO Network (Click Doctor/Hospital Search and UnitedHealthcare) and 60% outside the PPO Network for a maximum of $5,000.

IMG does offer an incidental home country coverage for the first 14 days (more information about this coverage is available in the documents under "Benefits" on the "Health Insurance" page. For all treatment received, you must complete a claim which will include: date of service, provider, type of service/or name of drug provided, illness/injury, city/country, type of currency paid/billed, total charge paid/billed, cost in U.S. funds, and original documents which include your name, date of service, diagnosis, procedure/type of service, itemized charges, and total costs. Claims forms can be accessed in the STUDENT INSURANCE PORTAL.