Learn about your school insurance plan’s specific benefits and requirements to make an informed choice. Review the coverage details, costs, and network providers to understand how the plan meets your healthcare needs.
All registered international students taking at least one credit are required to have health insurance coverage. Students are automatically enrolled in the Student Health Insurance Plan at registration and the premium is added to the student’s tuition fees. Students do not have the option to waive coverage.
| Student Type | Annual 8/1/25 – 7/31/26 |
|---|---|
| International | $2,234.76 |
| Plan Features | Cigna StudyWell (Cigna Open Access Plus) Group #10563A |
|
|---|---|---|
| In-Network | Out-of-Network | |
| Contract-Year Deductible | $500 | $1,500 |
| Out-of-Pocket Limit | $7,500 | $20,000 |
| Medical Coverage | You pay: | |
| Preventive Care | Covered in full | 30% after deductible |
| Primary Care | $20 copay | 30% after deductible |
| Specialist | $20 copay | 30% after deductible |
| Mental Health Office Visit | $20 copay | 30% after deductible |
| Chiropractic | 10% after deductible | 30% after deductible |
| Urgent Care | 10% after deductible | 30% after deductible |
| Emergency Room | 10% after deductible | |
| Prescription Drugs (30-day supply) | ||
| Tier 1 | $20 copay | 30% after deductible |
| Tier 2 | $40 copay | 30% after deductible |
| Tier 3 | $60 copay | 30% after deductible |
| Specialty Drugs | $60 copay | 30% after deductible |
Annual checkups help you stay healthy. Take care of yourself by using your FREE in-network preventive care benefits each year! Preventive care visits allow you to take action early and keep treatable health issues from becoming chronic conditions.
Call your doctor and dentist to schedule your FREE annual checkup today. Need to find a doctor? Click here.
Students age 18 and under have access to dental and vision benefits up to the last day of the month in which you turn 19.
You have access to the following dental coverage each benefit year in which you are eligible:
You have access to the following vision coverage each benefit year in which you are eligible:
Included in the Cigna StudyWell medical coverage is a $10,000 AD&D benefit in the event of death or dismemberment.
Locate a healthcare provider or facility in your plan’s network. Click here.
Click here to access your insurance ID card.
Students enrolled in this insurance plan have access to Headspace, a comprehensive mental health platform available 24/7 right from your smartphone.
With Headspace, you can:
All your care. All in one place.
Get started: Download the Headspace app and create an account.
Questions? Email caresupport@headspace.com or visit organizations.headspace.com/connect.
Students enrolled in this insurance plan have access to Cigna’s 24/7 emergency medical and travel assistance services while traveling or studying abroad.
Cigna’s services include:
In case of emergency:
Please refer to the contact number on your Cigna ID card or log in to your member portal for assistance.
For more information, visit cignaenvoy.com and enter your username and password.
Is the student health insurance comprehensive i.e., includes hospitalization if needed?
Yes, the plan offered is ACA compliant and covers all Essential Health Benefits.
Does the student health insurance include dental coverage?
The Upper Iowa University Student Health Insurance Plan includes a pediatric dental benefit. However, this is ONLY for students who are age 18 or younger.
Am I eligible for the student health insurance plan?
All registered full-time students who are taking at least one (1) credit are required to have health insurance.
What is the coverage period?
The plan runs for 12 months (the full academic year, 8/1/2025 – 7/31/2026) if you meet the eligibility requirements.
Does the student health insurance cover student medical expenses off campus or when traveling?
Yes, the student health insurance covers qualified medical expenses while off campus and when traveling.
How can I find in-network providers?
You can use the Find a Provider tool at mycigna.com. While this list is kept up to date, we recommend confirming with both the provider and facility that they are in-network before the time of service to ensure the lowest out-of-pocket costs.
How can I download an ID card?
Visit cignaenvoy.com and enter your username and password to download.
What happens if I lose my own or my parent’s coverage mid semester? Can I join the Upper Iowa University Student Health Insurance Plan?
You may be eligible to join the plan mid-semester if you experience a Qualifying Life Event (QLE), such as loss of coverage. Please contact USI Student Health Inquiries at studenthealthinquiries@usi.com for more information if you experience a QLE.
These videos walk you through each step of finding your school’s plan, understanding your coverage options, and completing enrollment or waiver forms. Watch to get a clear visual guide that makes navigating student health insurance simple and straightforward.
