Office of Global Citizenship

Health Insurance

All F-1 and J-1 international students will automatically be enrolled in Sewanee's international health insurance plan from August 1st - July 31st of each academic year they are enrolled. Visit www.lewermark.com/sewanee for more information or select from the links below.

Cost and Payment

Benefits

J-1 Regulations

Insurance Waiver


Cost and Payment

The cost of the insurance plan is communicated directly to students every summer and may change slightly from year to year. At the start of each academic year, the insurance is paid in full by the university, and students will see the charge reflected on their student accounts. Students can pay the balance on their student account in full, or they can arrange a payment plan through the Treasurer’s Office. While health insurance covers the majority of medical costs, students are still expected to pay for a portion of their medical costs out of their own pocket.


Benefits

The plan is quite exceptional and comprehensive, and has the following benefits:

  • $250,000 maximum coverage per injury or sickness
  • $0 annual deductible
  • $2,500 pre-existing condition benefit (first 6 months of enrollment)
  • $250 wellness benefit
  • $0 co-pay for doctor's office visits to the Sewanee Wellness Center; $20 co-pay for in-network doctor's office visits and $35 co-pay for out-of-network doctor's office visits
  • $50 co-pay for in-network hospital visits and $70 co-pay for out-of-network hospital visits
  • $300 co-pay for in-network emergency room visit and $400 for out-of-network emergency room visits
  • After the co-pay, insurance pays 90% of costs for in-network physicians and services/70% for out-of-network physicians and services
  • Prescription drugs (up to $5,000 per policy year outpatient) are covered at 100% when dispensed by Sewanee Wellness Center; 90% when dispensed as inpatient in the hospital; 50% covered if dispensed as outpatient at a in-network pharmacy
  • 20 physiotherapy visits per year when prescribed by a physician
  • $50,000 of medical evacuation
  • $25,000 of repatriation
  • MyNurse medical assistance 24 hours/day, 7 days/week in over 200 languages
  • Morneau Shepell counseling support 24 hours/day, 7 days/week in several languages

For a comprehensive list of benefits, click on the image below. 


 

J-1 Regulations

Program participants and their dependents are required to have medical insurance coverage with the following minimum benefits:

  • Medical benefits of at least $100,000 per accident or illness
  • Repatriation of remains in the amount of $25,000
  • Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000
  • A deductible not to exceed $500 per accident or illness.

All J-1 visa holders (and any J-2 dependents) must have insurance in effect during the period of time they are in the sponsor's program. An insurance policy secured to meet the benefits requirements must be underwritten by an insurance corporation with an A.M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-I" or above, a Standard and Poor's Claims Paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of B+ or above. Alternatively, the sponsor may ascertain that the participant's policy is backed by the full faith and credit of the government of the exchange visitor's home country.

For other options, see [22 CFR 62.14].


Insurance Waiver

Exemptions from participation in the Sewanee International Health Insurance Plan may be granted at the discretion of the Office of Global Citizenship for students who are already covered under certain government or embassy sponsored plans or as dependents of employees who have coverage through a U.S. employer. Alternate policies must be pre-approved, be equal or better than the coverage provided by the Sewanee policy, and must be maintained throughout the student’s enrollment at the University. Students who want to apply for an exemption from Sewanee's insurance plan must complete the Insurance Waiver Form‌ by July 15th each year they are enrolled in courses.