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My Health - Frequently Asked Questions


General Plan/Insurance Questions


1.     Q. Why do I need health insurance if I am young and healthy?


A. Illness and accidents come without any warning and if there is no insurance in place the expenses could be devastating. Health insurance can protect you from uncertain bills for health care. In addition, health insurance can help you get better quality care as a member of a coordinated health plan.


2.      Q. Will government programs assist me with medical care and medical bills if I don't have health insurance?


A. An individual must meet certain income guidelines and criteria to be eligible for state and federal assistance programs. Not all uninsured individuals will be eligible for government assisted programs.


South Dakota has a law that requires students to purchase student health insurance if offered by the institutions that they attend.  If they choose not to have coverage, counties are not responsible for medical expense.


3.   Q. If I am covered under my parents' policy should I cancel and enroll in one of these health plans?


A. You should review your current coverage and any potential coverage to ensure you have adequate coverage.


4.   Q. If I get sick but don't have health insurance or money to pay for the services will hospitals and doctors still treat me?


A. Yes, medical ethics dictate that a doctor cannot refuse to treat you if your state of health necessitates treatment. However, these services will be at your expense and most often very expensive.


5.   Q. Can I enroll my dependents on my health Plan?


A. Review all potential health plans for the coverage that is best for you and your dependents.


6.   Q. Can children stay on a parent’s plan until age 26?


A. If a plan covers children, they can be added to or kept on a parent's health insurance policy until they turn 26 years old. These rules apply to both job-based plans and individual plans you buy yourself, inside or outside the Marketplace.


7.   Q. Do I qualify to save on health insurance coverage?


A. To learn if you qualify for lower costs on health coverage, please visit:



General Eligibility and Billing Questions

1.    Q. How do I apply?

A. The SD Board of Regents no longer offers health insurance directly through their site. The site now has references to other sites for you to review coverage on that may work for you.

2.    Q. How do I pay premiums?


A. You are responsible for premium payment to the insurance carrier.


3.    Q. Am I responsible for payment of the premium?


A. Yes.  You are solely responsibe to pay your student health insurance charge. International students are required to purchase and provide proof of coverage or will be withdrawn from enrollment.


International and Study Abroad Questions

1.    Q. How can I be waived from the program?


A. There are acceptable reasons for waiver of purchasing the student health plan approved by the University, please visit your University representative to discuss the waiver process.


2.    Q. Who are my local representatives?


A. The international representatives at the universities include:










SD State Universities Health Insurance Information for Students