Health - Frequently Asked Questions
Q. Why do I need health insurance if I am young and
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.
Q. Will government programs assist me with
medical care and medical
bills if I don't have health insurance?
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.
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
Q. If I am covered under my parents' policy should I cancel
and enroll in one of these health plans?
You should review your current coverage and any potential coverage to ensure you have adequate coverage.
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?
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.
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.
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.
Q. Do I qualify to save on health insurance coverage?
A. To learn if you qualify for lower costs on health coverage, please visit: https://www.healthcare.gov/how-can-i-save-money-on-marketplace-coverage/
General Eligibility and Billing
Q. How do I apply?
The SD Board of Regents no longer offers health insurance directly through their site. The http://myhealth.sdbor.edu site now has references to other sites for you to review coverage on that may work for you.
Q. How do I pay premiums?
You are responsible for premium payment to the insurance carrier.
Q. Am I responsible for payment of the premium?
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.
and Study Abroad Questions
Q. How can I be waived from the program?
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.
Q. Who are my local representatives?
The international representatives at the universities include: