Insurance Information for Students

Insurance mandates implemented a few years ago allow students to remain on their parents' insurance until age 26 (even if married). To find out more about the Affordable Care Act, applicable tax penalties, special coverage mandates and how to sign up, please go to the Government's ACA Website: www.healthcare.gov (See “Get Answers” Tab at the top of the page)

Due to low interest and lack of enrollment, a student-specific voluntary plan is no longer available at this time.

If you are not currently covered under your parent's plan or another health plan, or you have currently lost coverage through no fault of your own, please visit the ACA Website at Health Insurance for College Students for information in how to obtain individual health insurance.

Please contact your health insurance company to verify if and how your health insurance plan will cover medical expenses at Stetson Health Service primary care office. Questions to ask include:

• Is Dr. Mohammed Asif in-network under your plan?
• What is covered?
• Are there limitations?
• Do I need a referral?
• Are there pre-authorization requirements?

Information your insurance company will need to verify if they will cover services:

• Dr. Mohammed Asif National Provider Identification #1811928674
• Advent Health DeLand Tax ID #932208118
• Our address is 157 E. Minnesota ave. DeLand, FL. 32723.

Can international students receive care at Stetson Health Service?

Yes, they can!

Stetson Health Service provides general medical care and women's health services to all Stetson students. Students who have health insurance, either through Stetson or separately, should consult their plan documents to understand what services are and are not covered at SHS. This will vary based on your specific plan coverages and exclusions. Please review to your plan documents or contact your insurance carrier's support line for more information. 

If you do not have insurance, SHS offers self-pay options. Please contact SHS for more details. 

Stetson University requires all international undergraduate students attending Stetson on F-1 visas to be enrolled in a Stetson-managed health insurance plan for the duration of their studies. Stetson's group insurance plan is administered by International Student Insurance and provides coverage through WorldTrips. 

WORLD: The David and Leighan Rinker Center for International Learning provides the names of all international students to the insurance company so they can be enrolled in the plan. Enrollment occurs twice per academic year; once in August and once in January. This allows students who graduate or leave Stetson after the fall to come off the plan and students who start at Stetson in the spring to be added to the plan. 

The annual premium for this plan will be billed directly to student accounts. It will be billed in two equal installments, one in the fall term and one in the spring term. Coverage for the fall term will be effective August 1, 2025, through January 31, 2026. Coverage for the spring term will be effective February 1, 2026, through July 31, 2026.

Insurance rates for the 2025-2026 academic year are: 

• For students aged 24 and under, the cost per semester will be $354.50.
• For students aged 25 to 30, the cost per semester will be $671.60.

It is important to note that in addition to the cost of the annual premiums charged to your student account, you share the cost of your health care expenses with the health insurance company through the form of deductibles, coinsurance, and/or co-pays. Students will receive individual bills from healthcare providers for specific services and work directly with the insurance company to discuss claims, bills, and payments. Stetson does not facilitate or monitor your individual healthcare expenses or payments.

The terms and conditions of scholarships vary greatly. Please contact the Student Financial Aid office or your specific scholarship administrator for assistance on determining eligibility for coverage of this cost. 

Stetson's insurance provider, International Student Insurance, has dedicated customer agents who specialize in working with international students. Customer service is available in multiple languages and they understand the types of questions you may have as you become familiar with the U.S. healthcare system, including explaining terms such as in-network, primary care provider, pre-existing conditions, deductibles, co-pays, claims, etc.

The assistance team is available at: 

• USA Toll Free: (800) 605-2282
• Direct: +1 (317) 262-2132
• [email protected]

International Student Insurance also provides a Student Zone where you have access to frequently asked questions, instructions for seeking treatment, and claims information.

*Benefits are subject to exclusions and limitations and are payable only at Usual, Reasonable, and Customary charges.

Claim Form - English

Claim Form - Spanish

ISI Student Guide

2025-2026 Plan Brochure

Student Zone

A pre-existing condition is a medical condition that you have before starting a new health care plan. The group plan that you will be enrolled in through Stetson has a three-month waiting period before services related to a pre-existing condition are eligible for coverage except charges resulting directly from an acute onset of a pre-existing condition, an Emergency Medical Evacuation, or Repatriation of Remains.*

Coverage is available for leisure, recreational, entertainment, or fitness-related injuries.* Injuries resulting from intercollegiate, intramural, interscholastic, or club sports are excluded from coverage. 

Find a Doctor, Hospital, or Clinic

If your condition is severe or you need in-person medical attention, you can find doctors online that are part of your insurance plan.

Bring your Insurance ID Card

Make sure you have a copy of your insurance ID card on you when you visit the doctor and present this to them at the time of treatment. If you don't have your ID card with you at the time of treatment, you may be required to pay for your medical expenses upfront.

ID cards can be downloaded from the MyDocuments section of the Student Zone.

Complete and Submit a Claim Form

It is your responsibility to follow up with the claims team and make sure your claims are processed and paid!

Please follow these guidelines:

• Complete a claim form for each new condition and submit it to the claims team via email. Claim forms are available on theClaims Information section of the Student Zone.
• Track all claims online, or by calling the number on your insurance ID card.
• Medical records or other documents may be needed in order to process your claim. If this is the case, it is your responsibility to reach out to your doctor to ask that they submit these records to the insurance company on your behalf.

For international students who started at Stetson prior to Summer 2025:

An international student may request a waiver of this insurance requirement if:

1. The student can provide proof of health insurance through a United States employer; or
2. The student can provide proof of health insurance provided by a US-based parent, spouse, or domestic partner; or
3. The student can provide proof of health insurance obtained through the Affordable Care Act.

For international students starting in Summer or Fall 2025 or later:

An international student may request a waiver of this insurance requirement if:

1. The student can provide proof of health insurance through a United States employer; or
2. The student can provide proof of health insurance provided by a US-based parent, spouse, or domestic partner

Students who wish to request an exemption must submit a waiver request. The request must include proof of insurance that meets an exception. Waiver requests will be accepted each year through July 15 for the fall term and December 1 for the spring term.

Per the Cultural Exchange Act, J-1 Exchange Visitors are required to have medical coverage and must obtain a health insurance plan that provides adequate coverage for them in the Stetson University/Central Florida area. 

Basic Plan Criteria

Students may select their own insurance plan. All plans must meet the following requirements:

An insurance carrier should underwrite your policy with:

• an A.M. Best rating of ‘‘A-'' or above
• a McGraw Hill Financial/Standard & Poor's Claims paying Ability rating of ‘‘A-'' or above
• a Weiss Research, Inc. rating of ‘‘B+'' or above
• a Fitch Ratings, Inc. rating of ‘‘A-'' or above
• a Moody's Investor Services rating of ‘‘A3'' or above

Exchange visitors should make insurance arrangements before departing their home country. Upon obtaining adequate health insurance coverage, international students must provide proof of health coverage to staff at WORLD: The David and Leighan Rinker Center for International Learning.

Stetson Health Service is conveniently located on campus and accepts a wide variety of health plans. To ensure your plan works at SHS, call the Member Customer Service number on the back of your insurance card. Ask them if services at Stetson Health Service will be covered and/or if Dr. Mohammed Asif is in your plan. If you have an "HMO" (Health Maintenance Organization) type of insurance, ask whether they offer a notable exception for college students traveling out of the area. If not, see if you can switch the primary care provider to Dr. Mohammed Asif, otherwise, you will need authorization from your primary care provider each time you make an appointment with Stetson Health Service.

When seeing a doctor or other medical staff at Health Services, you are responsible for the co-pay and or deductible at the time services are rendered. If the treatment needed is beyond the care of Stetson Health Service, you will be referred to an external doctor*.

*Please make sure you use a doctor who is in your insurance plan's network (see below regarding using preferred or In-network doctors and services).

If you have an emergency (e.g., life-threatening issue or injury), you should go to the emergency room and/or call 911 if you need an ambulance. If the issue is not a medical emergency, and Stetson Health Service is closed, please see Stetson Health Service as soon as the office reopens, or schedule an appointment with an in-network doctor from your plan (see below on In-Network providers).

Helpful Insurance Tips:

No matter what health plan you choose, it is recommended that you review your plan very carefully to understand the following important items and terms of your insurance plan.

Most insurance companies cover more of the cost if you use their 'In-Network' or "Preferred" doctors and medical providers. And some will not provide coverage if you go to a medical provider or doctor 'outside' of their provider network.

• Check the plan to see what the rule is for this.
• Most Plans will have an In-Network/Preferred Provider Link

Check out their Preferred 'Provider Network' to see what hospitals, urgent care, radiologists, labs, and specialists (such as Orthos, ENT's, etc) are in the area you will be accessing them. This is usually done by zip code.

• Stetson University's Zip code to search for providers is: 32720

Many plans have medical providers nationwide, so you may want to check the listing in your home area as well.

• Deductibles: The amount you will pay out of pocket before the insurance company will begin paying their share of medical bills. (often it is an annual deductible, but some medical services may have a 'per-visit' or 'per illness/accident' deductible.
  
  
• Co-Insurance Coverage: The amount or percentage of your medical bills that the insurance company will pay for. (Example: 80%/20% Co-Ins = Insurance Co-pays 80%; You pay 20%)
  
  Usually, they start paying this % after you have met the deductible (that is, once you've paid for your medical bills up to the amount of your deductible)
  
  
• Exclusions: Read through the insurance company's exclusions to find out what is not covered.

Many insurance companies will not pay for medical costs at the Emergency Room if you seek treatment there that is not considered a "Medical Emergency." If your issue is not a true emergency, it is often better to go to an Urgent Care/Walk-In clinic.

• Check your plan to see their definition of a "Medical Emergency."
  
  
• Although it differs from plan to plan, generally speaking, the definition of a "Medical Emergency" is often described as:
  
  A sudden, severe, and unexpected sickness or injury that, in the absence of immediate medical attention, a reasonable person could believe this condition would result in any of the following: death; placement of the person's health in jeopardy; serious impairment of bodily functions; severe and permanent dysfunction of any body organ or part; or serious jeopardy to the health of a fetus.
  
  
• Find out what Urgent Care/Walk-In Clinics are available in your plan's Medical Provider Network for your area.

When you set an appointment with a doctor or other medical provider, they will need to see your insurance card, which will provide them with your insurance company's name and billing address and your insurance policy number.

Depending upon your plan design, the medical provider will either ask you for payment at the time of your appointment and/or they will bill your insurance company. If your plan requires you to complete a claim form, you should do that at your appointment. 

Once your insurance company gets a bill from a medical provider, they will pay their portion of the bill (per your plan coverage) and then will send you a statement showing how much they spent and (if applicable) how much your cost is. The medical provider will then send you a bill for your portion of the cost.

Customer Service: Your insurance company should have a toll-free 800 number to call Customer Service for any claims or insurance payment questions. Sometimes, this number is on your insurance card and/or can be found on your insurance company's website.

If you are unsure if something is covered or have billing questions or issues, contact your insurance company's Customer Service for assistance.

If you get a prescription from a medical provider, it can usually be filled at most local pharmacies.

Walmart, CVS, Publix and Walgreens are in the Stetson University area in DeLand.

Prescription costs differ between plans. Sometimes, a plan requires a set copay for each prescription, and some plans pay a percentage of the cost. Alternatively, you may need to pay the whole cost of the prescription and send a claim form to your insurance company for reimbursement.

Check your plan benefits to see how prescriptions are covered and paid.