Insurance

For more information about medical insurance, click on the tabs below.

Why Do I Need Insurance?

The cost of medical care in the U.S. is very high. For this reason, all international students enrolled at Seattle Central are required to purchase the Seattle College District insurance policy which is offered through the Lewer Agency and includes specific benefits to international students. As explained in the video below, the insurance policy will help students cover the cost of medical issues that might arise during their stay in the U.S.


Exceptions to the Insurance Requirement


The following students are exempt from purchasing the Seattle Central’s insurance policy:

- International students attending Seattle Central on visas other than F-1 or M-1
- F-1 students enrolled at Seattle Central while on an I-20 form from another U.S. institution
- Government-sponsored students already provided with insurance from the Saudi Arabian Cultural Mission, the Embassy of Kuwait, Embassy of Oman, or Embassy of the UAE.

How Do I Use My Insurance?

Insurance Card

With your insurance from the school, you will need to log in to the LewerMark website and print an insurance card from the Lewer Agency. Your insurance card should have your name in English and your insurance ID number on it. Always carry your insurance card in your wallet. When your doctor asks for your insurance information, you can provide this card.

New students will be able to access their insurance card in the 3rd week of their first quarter. Returning students who have been studying at Seattle Central for one or more quarters can use the same insurance card from their previous quarter, unless otherwise notified. Students paying after the first day of the quarter may experience a delay in insurance activation. Visit the IEP Office if you have an urgent insurance need.

If your insurance card is lost or stolen, login with your student ID number to the Lewer Agency website to print a new one.

Finding A Doctor

The college insurance, and many other insurance companies, will pay more of the bill if you go see a "network" or "preferred" doctor. If you go to a network doctor they recommend, you will save money. Students may follow the directions below to find a doctor in the network:
 
1. Go to http://www.lewermark.com/seattlecentral
2. Click on the link to Search for a Doctor. This will take you to the CIGNA Provider website where you can find a doctor, hospital, or pharmacy in the preferred network. You may also click “Help” for instructions to guide you through the process. You will have options to select a doctor by name or specialty (e.g. cardiology, general practice, etc.).

Nearby Clinics

The clinics nearest to Seattle Central are:

- Urgent Care: ‘Immediate Clinic’ is the closest Urgent Care clinic. It is across the street from Seattle Central. You don’t need an appointment for Urgent Care clinics, so you can just walk in. The bill is usually higher at Urgent Care clinics, which is why people typically use them in situations when they can’t meet their regular doctor.

Immediate Clinic Broadway
1512 Broadway, Seattle WA 98122
Phone: (206) 323-4000

- General Practice: the closest General Practice doctor’s office is further down Broadway at ‘The Polyclinic Broadway,’ a 6 minute walk. This is a regular doctor’s office, where you typically see the same doctor throughout the year and they get to know you and your history. This type of clinic requires you to make an appointment to see the doctor.

The Polyclinic Broadway
1145 Broadway, Seattle WA 98122
Phone: (206) 329-1760

What Is Covered?

Most illnesses and injuries requiring medical care will be covered by the insurance. The lists below provide the policy benefits available to international students with LewerMark insurance.

Primary Policy Benefits

- Maximum per injury or sickness: US$ 2,000,000
- Annual maximum (consecutive 12 months): US$ 2,000,000
- Repatriation of remains coverage of at least US$25,000
- Medical evacuation coverage of at least US$50,000
- All benefits payable in the United States

For a summary of the benefits and coverage offered by LewerMark, click here. The full insurance policy is also available here.

Specific Policy Benefits

- Illness, sickness, and injury
- Preventive and wellness services, including routine physical or health examinations or immunizations (50% covered up to $250)
- Emergency Room visit ($100 per visit emergency room access fee)
- Injuries not related to school sporting activities
- Pregnancy care*
- Laboratory and X-ray costs
- Prescription drugs (100% covered if dispensed as inpatient in the hospital; 50% covered if dispensed as outpatient at a Cigna Pharmacy)
- Preexisting conditions up to $10,000**
- Ambulance
- Casts, splints or crutches
- Rental of wheelchair or hospital bed
- Medical Evacuation
- Repatriation of remains

*Subject to pre-existing condition limitation
**Students who have preexisting conditions or medical expenses requiring significant prescription drug cost may want to consider supplemental insurance.

Exclusions

The college insurance policy does not pay for:

- Elective (not necessary) surgery
- Treatment of acne
- Anything to do with the teeth, jaw, or gums (will cover natural teeth if lost or injured in a non-sporting accident to a maximum of $100 per tooth)
- Hearing aids, eyeglasses, contact lenses
- Hang gliding, skydiving, or parachuting injuries
- Alcohol or drug related injuries or illness or injury
- Accident resulting from having driven a car without a valid license
- Injury from act of war, or participation in a riot

Also note that you are not covered by Seattle Central’s insurance policy when you are in your home country. You may be eligible for coverage by the policy during a quarter break if you are in a country other than your home country. Visit the IEP Office for more information.

If you have a serious medical condition that requires you to be on full or part-time medical leave, the Lewer policy may not cover you after your first quarter of full or part-time leave. If your condition prevents you from enrolling full time for a second quarter, you may consider returning to your home country until you have fully recovered. If you remain in the United States on medical leave after your first quarter of full-time or part-time medical leave, you may need to find a new insurance policy to cover your medical expenses.

How Much Will I Pay?

Cost of Doctor, Hospital, and Pharmacy Visits

Copay for doctor’s appointment: $20*
Copay for Emergency Room hospital visit: $100*
Coinsurance for pharmacy prescriptions: 50%*

*Costs are listed for covered expenses when students visit doctors, hospitals, and pharmacies in the insurance network. Visit www.lewermark.com/seattlecentral for more information about coverage, costs and exclusions.

Cost of the Plan
Premiums for Students

The cost of the Seattle College District policy is $383.22 per student each quarter, and is charged automatically to international students on F-1 and M-1 visas at the time of registration.

The medical insurance premium is 100% refundable if classes are dropped before the first day of the quarter. As of the first day of the quarter, the premium is non-refundable. Students who may file a claim prior to the start of the term should take care, as refunding the premium will affect their insurance coverage.

Premiums for Spouses and Dependents

Lewermark does not offer insurance coverage for dependent spouses or children of F-1 students. If you have a dependent spouse and/or dependent children who need medical insurance coverage and would like suggestions for other insurance options, please visit the International Education Programs Office in BE1113 for assistance.

Release of Information to Lewer Agency

In order for Seattle Central to enroll students in the insurance plan, and to allow the Lewer Agency to manage the plan, the college's staff must provide certain information to the insurance company on a quarterly or as needed basis:

- Name
- Address
- Student ID number
- Date of Birth
- Email address
- Visa status, including whether or not a student is maintaining status
- Gender
- Confirmation of approval for Reduced Course Load (if applicable) and reasons for approval
- Confirmation of approval for and engagement in practical training

Billing

As a student with insurance coverage, the typical billing procedure is as follows:

Explanation of Benefits

An Explanation of Benefits is a document sent to a student to notify him/her that the insurance company has processed his/her claim (bill). It clarifies his/her payment responsibility or reimbursement. It is not a bill.

Bill/Claim from the Doctor’s Office

If you receive a bill, you are responsible to pay all medical costs not covered by the insurance.

If You Have Any Questions About Your Bill 1. Log into the LewerMark web site at https://www.lewermark.com/student-login/ and check the status of your claim online

2. Contact Lewermark at 1-800-821-7715 or claims@lewer.com

3. Ask the receptionist at your doctor’s office

4. If you have tried the above steps and still have questions about your medical bill, bring your bills and come to the International Education Programs Office for assistance

When Am I Covered?

Period of Coverage

When you buy Seattle Central's insurance policy, you are covered from the first day of the quarter until the day before the first day of the following quarter. If you are entering the United States for the first time to study at Seattle Central, you will also be covered from the day you entered the United States (no more than 30 days prior to the first day of the quarter). If you are transferring from one school to another, you will be covered from the first day of the quarter. If your previous school also had a policy through The Lewer Agency, and you were covered by the policy, then you will be covered during the break between the two schools.

If you purchase the policy again from Seattle Central the following quarter, you will be covered during the break between the two quarters.

What to do if the Doctor’s Office/Hospital says you do not have insurance or your insurance has expired

Insurance is added automatically to a student’s account when a student registers and pays for classes. The processing time for the insurance can take from 1 to 4 weeks, depending on the time of the quarter.

For this reason, most new students will be able to access their insurance card and account by the 3rd week of the quarter. Students who register and pay their tuition and fees more than two weeks before the quarter begins will have access to their insurance account by the first day of the quarter. Students who register and pay less than two weeks before the quarter begins may experience a delay in insurance activation for the quarter.

If the doctor’s office/hospital says your insurance is expired:

- Ask the doctor’s office/hospital staff to call the Lewer agency to check on your eligibility. The phone number is 1-800-821-7710 and can be found in the middle of your insurance card.

- If the doctor’s office/hospital has been unable to confirm your coverage, please contact the International Education Programs Office in BE1113 and let the front desk staff know that you have a question about insurance coverage.

- The IEP Office front desk staff will be able to confirm whether or not your insurance is valid for the quarter. If your insurance is valid, the IEP Office front desk staff will work with the LewerMark insurance agency to enroll you directly. This enrollment typically can be completed within 1 business day. If you already visited the doctor/hospital and received medical treatment, the following business day, you will need to contact the doctor/hospital where you received treatment, tell them that you have insurance information you would like to provide, and ask them to bill the LewerMark agency. You will need to have your insurance card ready when you call or visit so that you can give them the information on the card.

Vacation Quarter or Quarters with No Enrollment

If you are not taking any classes at Seattle Central during a vacation quarter, leave of absence, or medical leave, you will not be covered by Seattle Central’s insurance policy unless you buy insurance for that quarter. The IEP Division strongly recommends that students purchase insurance in these circumstances to ensure they have adequate coverage. Please visit the International Education Programs (IEP) Office to purchase insurance.

If you choose not to purchase coverage during a vacation quarter, leave of absence, or medical leave, you will have a break in coverage from the last day of the previous quarter until the first day of the next quarter you enroll and purchase insurance.

If you have a serious medical condition that requires you to be on full or part-time medical leave, the Lewer policy may not cover you after your first quarter of full or part-time leave. If your condition prevents you from enrolling full time for a second quarter, you may consider returning to your home country until you have fully recovered. If you remain in the United States on medical leave after your first quarter of full-time or part-time medical leave, you may need to find a new insurance policy to cover your medical expenses.

Finishing your Program

If you finish your program and are going home, then you are covered for 30 days from the last day of your program. If you plan to stay through the full 60 days of your program grace period, you have the option of purchasing a 30-day extension of the insurance policy (see the International Education Programs Office for details).

OPT

If you have been approved for Optional Practical Training (OPT), you may purchase Seattle Central’s policy while you are on OPT. To have insurance during OPT, you must pay the premium at Seattle Central no more than 60 days after the last day of your graduating quarter. It is important that you pay by this day; otherwise, you will not be eligible to purchase Seattle Central’s insurance while you are on OPT. Please visit the International Education Programs Office to purchase insurance during OPT.

I Still Have Questions - What Do I Do?

Questions about your insurance? Contact Lewermark

LewerMark International Student Health Insurance
4534 Wornall Rd #102, Kansas City MO 64111
Phone: 1-800-821-7710
Email: lewermarksupport@lewer.com
Website: https://lewermark.com/seattlecentral

Questions about your health? Contact MyNurse to speak with a Registered Nurse

Phone: 1-866-549-5076