In the interest of the health and welfare of its students, it is the policy of The College of St. Scholastica to require that undergraduate and graduate main campus students to be covered by medical health insurance by the College or privately. For more information about your St. Scholastica student health insurance plan, offered through UnitedHealthcare StudentResources visit First Student.
All full-time domestic undergraduate students taking 9 or more credit hours at the Duluth main campus (including the Health Science Center at Bluestone) are automatically enrolled in the Student Health Insurance plan unless proof of comparable coverage is furnished, by the Sept. 19, 2022 deadline.
Additionally, all domestic graduate students taking 6 or more credit hours who are enrolled at the Duluth main campus and the Health Science Center at Bluestone in the following programs are automatically enrolled in the Student Health Insurance plan unless proof of comparable coverage is furnished by the Sept. 19, 2022 deadline:
- Occupational Therapy
- Physical Therapy
- Athletic Training
- Exercise Physiology
- Physician Assistant
International students regardless of credit hours are automatically enrolled in the Student Health Insurance plan.
Students will either have to acquire the student health insurance offered through UnitedHealthcare Student Resources or provide proof of other insurance. Students who do not either obtain the College’s health insurance or provide proof of other comparable insurance by Sept. 19, 2022, will automatically be enrolled in the Student Health Insurance plan through UnitedHealthcare. The total cost for the college student health insurance for the 2022-2023 academic year is:
- Undergraduate Rate: $2,524.00
- Graduate Rate: $3,226.00
For those students who are not covered by their own insurance plan, St. Scholastica believes that it has found the best possible student health insurance plan available at a rate that is affordable to students. Coverage for any of the school health insurance plans begins on Aug. 2 and ends on Aug. 1 of the following year.
- First-year or transfer students transferring in January: Student health insurance policies will be effective from Jan. 1 to Aug. 1. Students beginning in January will have a one-time charge of $1,470.50 for undergraduate students and international students, and $1,880.50 for graduate students.
- International students: All International students regardless of credit hours at the Duluth Main Campus and Health Science Center at Bluestone are automatically enrolled in this insurance plan. Waivers are only approved for plans that meet the Affordable Care Act standards and are approved by review of the insurance company.
- Student Athletes: St. Scholastica athletes are required to have medical health insurance by the College or privately. In addition, athletes are provided secondary athletic insurance through Dissinger Reed, at no personal cost. Student athletes are also required to provide proof of insurance to St. Scholastica athletic trainers.
Opting into Student Health Insurance or Providing Proof of Insurance
A student must opt into the Student Health Insurance plan through St. Scholastica or provide proof of other insurance by by Sept. 19, 2022. The premium charged for Student Health Insurance will be billed to the student’s account.
Opt-in or provide proof of insurance using the steps below:
- Log in to my.CSS, search “Student Checklist”
- Select to either opt into Student Health Insurance or provide proof of other insurance. If you are providing proof of other insurance, please have it available in order to provide all of the required information.
- If you select to opt into the student health insurance, you will be directed to First Student. Select your school from the dropdown box on the center of the page. Once your school page loads, select the “Enroll Now-Health Insurance” link under student tools on the left. This will bring you to the enrollment information page. About halfway down the page, select the “Enroll Now” link. This will open the login page. On the login page, enter your date of birth and student ID number to access the enrollment form.
- Additional options for insurance coverage: In addition to The College of St. Scholastica student health insurance program through UnitedHealthcare StudentResources, students can meet the insurance requirement though other resources as follows:
- Coverage under their parent’s health insurance policy until age 26
- Purchasing coverage through resources available through their current state of residency. To explore these resources, Minnesota residents can visit MN Sure and all other states can visit HealthCare.
- If you experience problems, contact Teresa Guerrero, Director of Student Health and Wellness at tguerrero@css.edu. Questions regarding the insurance plan through UnitedHealthcare StudentReources can also be directed to customerservice@firstriskadvisors.com or to 800-505-4160.
Important Considerations
Please note that some HMO plans do not provide adequate coverage outside of the carrier’s home area. Therefore, we recommend that students who are considering waiving the Student Health Insurance provided by the College review their current health insurance policy to ensure that it adequately covers them while attending St. Scholastica.
Using Student Health Insurance at Healthcare Facilities
St. Scholastica’s Student Health Insurance is intended to be utilized like any other health insurance plan. However, it’s not a dental or optical insurance policy. Students should present their St. Scholastica Student Health Insurance card to the health care facility in which they are presenting for services. This includes Student Health Service. Students who have St. Scholastica Student Health Insurance should present it to Student Health Service first for any medical concerns when possible. Charges from Student Health Service that are not covered by the insurance company will be placed on student accounts. Charges from other health facilities that are not covered by the Student Health Insurance will be billed out by the individual health facility. Students can stop by Student Health Service for assistance and any other billing concerns in regards to St. Scholastica Student Health Insurance payments.
