International Student Health Insurance
Healthcare in the United States is very expensive, and medical insurance is necessary to help protect international students against unforeseen events that could result in long-term financial hardship.
All international students are permitted to register for classes at Hillsborough Community College (HCC) only after demonstrating that they hold medical insurance coverage which is equal or exceeds the coverage provided by the International Student Insurance Program endorsed by Hillsborough Community College.
International students with F-1 status are required to maintain continuous insurance coverage throughout the entire duration of their association with HCC (including any period authorized for academic training or authorized vacation or leave).
International students beginning classes in the Fall 2014 semester must show proof of insurance that starts no later than August 14th and extends to at least December 31st. Students attending classes in the Spring 2015 semester must have coverage starting on January 1st that extends to August 13th. Students beginning enrollment for the Summer 2015 semester must have coverage starting no later than May 12th that extends to August 13th. Misrepresenting or willfully failing to maintain appropriate medical insurance coverage will result in serious consequences for the student.
To assist international students in complying with the health insurance mandate, HCC offers a health insurance plan that is underwritten by Student Resources (A UnitedHealth Group Company) and is administered by Insurance for Students (IFS). The IFS Prime Plan for HCC International Students is guaranteed to meet all insurance requirements per HCC policy.
All F-1 international students attending HCC must purchase the medical insurance program offered through IFS unless they apply for and are granted a waiver by IFS & the Center for International Education before registration.
How to Enroll in the IFS-HCC Health Insurance Plan
Go to www.insuranceforstudents.com/hcc and download the health insurance program brochure to review insurance coverage levels and cost.
Enroll online if you plan to make payment by credit card, or print and mail the application to IFS if you plan to make payment by check or money order.
Visit the website to:
Questions about coverage, claims, etc.: All questions about what the policy covers should be directed to IFS at 1-800-356-1235.
Dental Insurance: Medical insurance does not include dental services. Students may purchase dental insurance at an affordable monthly rate through IFS.
F-2 Dependents: While proof of insurance is not mandatory for dependents of F-1 students, it is recommended that they also be insured.
Submitting a Waiver Request
The Alternate Insurance Compliance Form is designed to assist international students in complying with the school's insurance requirements if choosing not to enroll in the IFS Prime Plan International Student Health Program. Minimum requirements include:
- Continuous insurance coverage through graduation date (annual breaks included)
- Medical benefits of at least $500,000 per accident or illness per policy year
- A minimum of $25,000 for emergency medical evacuation
- A minimum of $10,000 for repatriation
For a full summary of the required insurance coverage, please click here or visit the IFS-HCC website at www.insuranceforstudents.com/hcc.
To submit a waiver request, please go to www.insuranceforstudents.com/hcc and download and print the form.
Complete the student information section on page 1, sign and date the form and forward the form directly to your insurance company. Your insurance company must fully complete section 2 of the student insurance waiver form. Please note that if the insurance company does not fill out section 2 of the student insurance waiver form, IFS & HCC cannot review individual plans for compliance and cannot remove the hold to permit registration.
The completed student insurance waiver form must be emailed to firstname.lastname@example.org or faxed to 954-772-0872, along with a copy of your insurance identification card with start and expiration date, and an explanation of your benefits (what is covered by your insurance plan).
IMPORTANT: The form must be submitted to IFS no later than December 15, 2014 at 5pm EST. Forms and waiver requests submitted after this date will not be reviewed or accepted.
If the benefits page is not in English, it must be accompanied by a certified translation.
Policies must have U.S. phone numbers and claim offices and claims must be paid in U.S. Dollars.
Travel policies and those limited in scope within the U.S. are generally not accepted as a health plan.
If your plan does not provide medical evaluation and repatriation benefits but otherwise meets the College’s mandatory benefit levels, please contact IFS at 1-800-356-1235 to enroll for Repatriation and Evacuation Only.
Your health insurance waiver MUST be approved before you can be cleared to register! HCC reserves the right to not accept health insurance plans that do not provide equal and/or continuous coverage. If your alternate plan does not comply with the requirements, you will NOT be cleared to register for classes until you provide documentation of insurance coverage which meets the HCC mandate. You may be required to purchase HCC-approved health insurance through IFS.