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Alliant Student Health

560 Mission Street

San Francisco, CA 94105

Alliant CA License No. 0C36861

California State University System iSHIP

CSU San Bernardino

Student Health Insurance Plan Overview

2025-2026

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The Importance of Health Insurance

CSU San Bernardino requires all international students to have health insurance while in the U.S.

Together with UnitedHealthcare (UHC), CSU San Bernardino is pleased to offer this International Student Health Insurance Plan (iSHIP) to all international students and scholars.
Enrollment is voluntary for students engaged in Optional Practical Training (OPT).
Dependent coverage is also available.

Health insurance provides easier access to health services and protects you from unexpected, high medical costs.

The U.S. does not typically offer free medical care, and medical services and treatment are expensive:

Average cost of medical care in 2025: $7,500 per person
Average cost of an Emergency Room visit: $2,500
Average cost of an Ambulance ride: $900
Average cost of a doctor’s visit: $200
Labs, hospital/doctor’s fees, x-rays, surgery, prescriptions, etc. all cost extra

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How To Enroll Online

To purchase coverage online, visit www.uhcsr.com and search for your school.

Select the Explore Policy link under the Medical – Student Health Plan module.

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How To Enroll Online

Select the Get Started link.

Select the Continue as Guest link (If you have an existing UHCSR student account, click Log In.

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How To Enroll Online

Select the insured category that best describes you from the dropdown menu, enter your U.S. zip code (your school’s zip code will work too), click the checkbox, and select the Next link.

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How To Enroll Online

Select your term, then select the Next link.

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How To Enroll Online

Enter the required information, then select the Next link. Please note that if you do not have a permanent U.S. address, you may enter your school’s address as a placeholder. If you enter your school’s address, you will have to update your permanent address at a later date.

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How To Enroll Online

Enter the required information, then select the Next link to enter your payment information.

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How To Enroll Online

Enter your payment information, then select the Process Transaction link to complete your purchase.

Once enrolled, the system will generate a Welcome Email and send it to the email address provided at the time of enrollment.

Follow the instructions in the Welcome Email to create your My Account to access all policy information.

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Insurance Hold Removal

The university will receive a confirmation of enrollment from UHC when you successfully purchase the insurance, so you do not need to forward your confirmation email to the International office.

Insurance holds will be removed by the university within 48 hours after purchasing the insurance coverage. Please do not contact your international office for an update before this time.

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Insurance Refund Policy

All refund requests must be sent to the University, who will confirm non-student status with Alliant and UHC and submit the refund request on behalf of the student.

Only refunds submitted by the University before the refund deadline will be considered.

All refunds will be processed back to the original form of payment only, no exceptions.

Please allow 30 business days to receive and process the refund request, then an additional 3-5 business days to receive the refund from the financial institution. Pro-rated/partial refunds are not allowed.

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Digital Tools

UHC’s mobile and web-based solutions make it easy to access account information, coverage details and other helpful resources on-demand.

UHC Student Resources website via www.uhcsr.com:

School-specific page
How-To Videos
Help Center
FAQs
Contact links
Provider search
Plan brochures
Ancillary products

My Account via https://myaccount.uhcsr.com or the UHC Student Resources mobile app:

View, print and download ID cards
View coverage information
Find care options
View claims information
Access important messages and Action Center

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Stand-Alone Medical Evacuation/ Repatriation

For students that have approved iSHIP waivers that need to purchase Medical Evacuation/Repatriation coverage, select the Read More link under the Global Travel Services module.

You will be redirected to UHC’s Global Travel Services page, where you will select the American College Student Association link to proceed with the purchase.

Select the Enroll Now link and follow the instructions to purchase coverage.

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UHC My Account Portal

Visit https://myaccount.uhcsr.com and click the Register Now link (If you have an existing HealthSafe ID, click Sign In).

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Follow the on-screen prompts to register. You will need your Student ID to create your account.

When creating your account, please use the email address where you received the Welcome Email. You will receive an email when your registration is complete.

UHC My Account Portal

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UHC My Account Portal

Once in My Account, you will have access to your insurance ID card, coverage information, claims, care options, and so much more.

Please note that your insurance ID card will not be available until 30 days before your coverage effective date.

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iSHIP Coverage Overview

Benefits for medically necessary services include:

Unlimited annual benefit per year
Wellness Benefits, not subject to the deductible
Physician visits and hospital charges
Tests, surgery procedures, and lab services, such as X-rays
Physical therapy, acupuncture and chiropractic care
Prescription drugs

When visiting a UHC Choice Plus PPO provider, students will pay a $100 deductible before insurance starts paying benefits, plus the following:

A $10 copay for physician’s office visits and urgent care visits
A $100 copay for emergency room (ER) visits (waived if admitted)

When visiting a non-PPO provider, students will pay a $200 deductible before insurance starts paying benefits, plus the following:

A $100 deductible for emergency room (ER) visits (waived if admitted)
20% coinsurance of the allowed amount

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iSHIP Coverage Overview

Coverage is available anywhere within the U.S., paid at the plan’s coinsurance levels, after applicable copays or deductibles.

UHC Choice PPO is available nationwide so make sure to find in-network providers whenever possible.
Certain exclusions and limitations may apply.

Outside of the student’s home country and the U.S., coverage is available worldwide, paid at the plan’s out-of-network coinsurance level, after applicable copays or deductibles.

Please note that treatment, services, or supplies incurred or received in the student’s Home Country are not covered by the insurance.

Student should submit all medical bills, receipts, and other information to UHC via My Account when they pay for services out of pocket and need reimbursement.

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iSHIP Coverage Overview

Please note that routine dental and vision coverage is not included in iSHIP, except as noted in the policy regarding dental services to prepare for radiation therapy of cancer in the head or neck and under the Pediatric Dental and Vision Services provision for insured persons under the age of 19.

e.g. Breaking a tooth while eating is not covered
e.g. Routine dental care and treatment to the gums are not covered
e.g. Routine vision exams are not covered

To find detailed health insurance plan information, students can visit www.uhcsr.com and search for their school or access My Account via a computer, tablet, or mobile app.

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Common Insurance Definitions

Plan Maximum- The maximum amount your plan will pay per person, per plan year.

Deductible- The amount you owe for healthcare services, before the health insurance begins to pay.

Coinsurance- Your share of the costs of a covered health care service(s), calculated as a percentage.

Copay- A fixed amount you pay for a covered health service, at the time of your visit.

Out-of-Pocket Maximum- The most you pay during a policy period, before your insurance pays 100% of the allowed amount (this cost includes copays, deductibles, and coinsurance amounts).

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PPO vs Non-PPO

Your Insurance plan utilizes a PPO Network:

“PPO” or “in-network” means that the doctor or facility is part of a Preferred Provider Organization (PPO), a network of doctors and hospitals that have contractually agreed to provide services at a lower rate.
Your designated PPO network is UHC Choice Plus.
If you use a PPO provider, covered medical services are paid by the insurance company at 100% of the negotiated rate.

Non-PPO Access:

“Non-PPO” or “out-of-network” means that the doctor or facility is not in the selected PPO network and has not agreed to a lower rate, resulting in more expensive care.
Since these providers charge more, the insurance company only pays a fraction of the cost, resulting in you paying more money out of your pocket.
If you use non-PPO provider, covered medical expenses are paid at 80% of the allowed amount.

You are responsible for paying any charges not covered by the insurance.

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Customer Service Contacts

The UHC Customer Service team:

Can be reached at 1-800-767-0700 or at customerservice@uhcsr.com.
UHC’s customer service team can be reached to address enrollment issues, to correct typographical errors, to provide benefit details, and to assist with claims questions.
Live agents are available Monday through Friday from 5:00am to 5:00pm pacific time.
100% of calls are recorded for quality and training purposes.
UHC responds to email communications within 24 hours.

The Alliant Student Health Support team:

Can be reached at studenthealthsupport@alliant.com.
Alliant’s student health support team can be reached to assist with general enrollment questions and escalated issues.
Alliant responds to email communications within 24 hours.

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Finding a PPO Provider

Visit www.uhcsr.com and search for your school. Click the Find Providers link at the top and choose Medical or Behavioral.

Once you enter the required search criteria, click Search.

Select a provider from the list and call to make an appointment. It is best to locate a UHC Choice Plus PPO doctor, urgent care center, and emergency room near you before you get sick.

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Accessing Medical Care

The University Student Health Center provides on-campus medical care for your convenience.

Located at 5500 University Pkwy, HC-101, San Bernardino, CA 92407.
Appointments preferred.
Hours of Operation:

Monday, Wednesday, & Thursday: 8:00am - 5:00pm
Tuesday & Friday: 9:00am – 5:00pm

Services provided include:

Primary Care
Health Education
Laboratory
Nutrition Counseling
Pharmacy

Visit https://www.csusb.edu/student-health-center or call 909-537-5241 for more information.

It is best to visit the campus health center before receiving treatment off campus, when possible.

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Accessing Medical Care

HealthiestYou by Teladoc– 24/7 access to doctors who can diagnose and prescribe treatment by phone or video.

Call when seeking professional medical assistance or answers to personal medical questions.
Speak with mental health providers such as psychiatrists, psychologists and therapists when and where you are comfortable.
Registered nurses cannot diagnose students or issue prescriptions.
Visit www.telehealth4students.com.

UHC’s Psych Hub– In addition to being able to find behavioral health providers through the UHC provider link, you have free access to this Mental Health and Substance Abuse video library.

Secure, confidential, and easy-to-use.
Visit https://psychhub.com/mental-health-resources.

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Accessing Medical Care

Physician Office Visit / Standard Medical Services - For in-person visits for non-urgent medical concerns.

When calling to schedule an appointment, ask the doctor or medical facility to confirm that they are a participating UHC Choice PPO network provider.

Note: this is different from asking if they accept UHC insurance as they may accept UHC insurance for payment but not actually be part of the UHC Choice PPO network.

Urgent Care Center - When you need treatment for a severe but non-life-threatening condition, and you cannot wait for a scheduled appointment.

Urgent care centers are much more affordable than Emergency Rooms (ER) and usually have much shorter wait times.
Typically open late and on the weekends.
Some examples of conditions urgent care centers can assist with are:

Sprains
Fever/chills
Nausea

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Accessing Medical Care

Emergency Room (ER) - When there is an immediate threat to your life or health.

Call 911 for an ambulance or go to the nearest hospital emergency room.
If you access an ER for a non-emergency be prepared for the following:

Copay that is not waived if you are not admitted
Long wait times
Higher costs: ERs charge much more than doctor’s visits and urgent care centers

Some examples of an emergency are:

Loss of consciousness
Broken bones or excessive bleeding
Sudden and severe pain

Hospital – Typically sent here after an emergency or if there is a scheduled procedure, such as surgery or an MRI.

When calling to schedule a procedure, ask the facility to confirm that they are a participating UHC Choice PPO network provider.

Note: this is different from asking if they accept UHC insurance as they may accept UHC insurance for payment but not actually be part of the UHC Choice PPO network.

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How Claims Are Paid

After receiving treatment at a PPO provider, the provider will usually submit a claim to the insurance company.

Student should always have access to their Insurance ID Card.
Student should provide their Insurance ID Card or insurance information to their provider each visit.

Student will receive an Explanation of Benefits (EOB) from UHC, detailing what the insurance paid and what is the student’s responsibility to pay; this is not a bill.

To review claims online, students can log into My Account and review the My Claims/Balances section on the Home-screen.

The doctor will receive payment from the insurance company and then bill the student for any amount not covered by the insurance company.

Student is ultimately responsible for any services that are not paid for by the insurance.
If students have concerns about coverage, they may contact UHC directly via the Need Assistance section on the Home-screen in My Account.

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UHC Help Center Resources

Visit https://www.uhcsr.com/help-center to access various resource links and libraries.

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UHC Help Center Resources

Visit https://www.uhcsr.com/video to access various resource videos guides:

How to enroll online: https://youtu.be/09ow5Wq8cyg
How to create My Account: https://youtu.be/A4XdjVdixeY
How to request an ID card: https://youtu.be/2ZxUgffHdxM
How to find a provider: https://youtu.be/yrJE85j5U1s
How to submit a claim: https://youtu.be/fEvuUDJdkLI
How to check claim status: https://youtu.be/fEvuUDJdkLI
What is an EOB: https://youtu.be/cQq9uIYzfj8
What are deductibles, coinsurance, and copays: https://youtu.be/6cFf6Ua7C24

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You are required to enroll in iSHIP. Make sure to enroll as soon as possible to ensure that your hold is removed and you are able to register for classes.

In an emergency call 911 or head to the closest ER. In all other instances, visit your campus health center whenever possible, schedule an appointment with a doctor, or go to an Urgent Care Center.

You don’t have to go to a UHC Choice PPO network provider, but you will save money if you do. Once you find a provider, we recommend that you confirm that they are in-network when you schedule an appointment.

You are ultimately responsible for any services that are not paid for by the insurance.

The UHC Customer Service team can be reached at 800-767-0700 or at customerservice@uhcsr.com.

UHC’s customer service team can be reached to address enrollment issues, to correct typographical errors, to provide benefit details, and to assist with claims questions.

If you have general questions, you can contact us at studenthealthsupport@alliant.com.

Overview Recap

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