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Medical Health Coverage

Medical and Health Coverage

There is no universal or national health insurance plan in the United States; rather, medical and dental care is generally a personal responsibility and can be quite expensive. These high costs can be extreme and even force an individual to forego necessary care. At Shepherd University we never want an international student, visiting scholar or family member to have to face that kind of a difficult decision.

Therefore, the University requires insurance coverage for all full-time international students and Exchange Visitors. Insurance for Exchange Visitors must meet Department of State standards and amounts including coverage and benefits of $100,000 per accident or illness, a deductible not in excess of $500, repatriation of remains in the amount of $25,000 and medical evacuation in the amount of $50,000. The department OR the Exchange Visitor must pay for this coverage.   If the insurance requirement is not complied with, J-1 status will be revoked, and the Exchange Visitor will not be allowed to continue.

There are many companies and health plans available on the market, and it can be quite confusing and overwhelming. To assist, the University recommends you consider purchasing coverage under one of these companies:

International Student Insurance

ISO Insurance

PSI Health Insurance (Gold Plan preferred)

In some cases, you may be able to utilize the health insurance coverage available in your home country or that is part of your overall family’s health coverage. In these instances, we ask that you come prepared with your proof of insurance, allowable services, coverage limits, and information on how to utilize that specific plan in the United States.

We also ask each student to fill out the health status review form and turn this in to our University’s Health Center upon arrival. You may need to consult your local physician about required immunizations (Mumps, Measles, and Rubella) and spinal meningitis (if living on campus), a recent Tuberculosis test, and any special medical needs or considerations you will want the Health Center to be aware of. Depending on the region you will be coming from, you may also be asked to provide additional information. While you can receive the immunizations after arrival, you may find it easier and less expensive to have these completed before arrival. If you do this, make sure your doctor provides proof of immunization.