HTH Worldwide International Health Insurance and MEDEX Medical Evacuation & Repatriation Policy
The State University of New York's Board of Trustees has MANDATED that all students studying abroad be covered by comprehensive health insurance. A SUNY comprehensive health insurance policy is available for all participants in any overseas program sponsored by a SUNY campus.
HTH Worldwide is the SUNY provider of international health insurance for study abroad students. HTH has a wide network of health care providers in locations around the world. Visiting one of these providers will require you to pay nothing out of pocket for medical care abroad. If you recieve medical care outside of the HTH-network, you can submit a reiumbursement form to HTH.
HTH Worldwide is a required purchase for all study abroad students who cannot show proof of equal international health insurance coverage. If you wish, you may waive the HTH insurance by completing a waiver form and including policy information about your current international health coverage. Those students purchasing HTH Worldwide will be billed by the Cortland Registrar's Office at a cost of $477.00 per semester of study abroad.
All students, however, must purchase at a minimum, SUNY Emergency Medical Evacuation and Repatriation policy. MEDEX coverage is included with the HTH Worldwide policy. If you have purchased HTH coverage, you do not need to purchase additional MEDEX coverage. Some of the services provided include: multilingual telephone access to one or more of the fully staffed emergency centers 24-hours a day, consultation concerning second opinions and coordination of evacuation or repatriation arrangements. You will be billed for the MEDEX policy by the Cortland Registrar’s Office at a cost of $7.10 per month for the length of your study abroad program.
Both HTH Worldwide and MEDEX cover the student only for the duration of the overseas program unless you request to extend it through the Cortland’s Registrar’s Office. You will be billed by the Cortland Registrar’s Office for the length of coverage you have selected.
Students covered under HTH are only expected to pay their medical expenses in person when visiting an out of network medical provider. To ensure that you are visiting an in-network HTH medical provider, call HTH to have them schedule your medical appointment with an in-network doctor or hospital. In-network doctors and hospitals are also available online at HTHStudents.com, but please make every effort to call HTH to set-up your medical visits. Of course, in the event of a medical emergency, proceed directly to the nearest doctor or hospital.
If inside the US/Canada call: 1-800-527-0218
If outside the US/Canada call: 1-410-543-6330
These phone numbers and more information are located on the back of your HTH ID card.
If you are covered by HTH and visiting an out of network medical provider, you should submit claims to the insurance company for reimbursement. This is also the case with most insurance companies in the U.S. Claim forms for HTH are available below. Claim forms may also be downloaded from http//www.hthworldwide.com.
If you feel you already have sufficient health insurance coverage you must complete the SUNY Insurance Waiver Form. This form is available below and also is included in your program acceptance packet.
HTH and MEDEX Health Insurance Documents
HTH Student ID Card - Instructions on how to view and print your HTH ID card.
HTH International Reimbursement Form - Submit to HTH after visiting a non-HTH medical provider abroad.
Global Health and Safety Services - Instructions on how to make appointments with medical providers abroad.
HTHStudents.com Users Guide - Outlines features of HTHStudents.com.
HTH Student Policy Brochure - Detailed policy information.
HTH Student Certificate of Coverage - Detailed policy information, including deductible amounts.
Upon enrollment into HTH, you will receive a welcome email containing your enrollment information, ID card, and user name and password for HTHstudents.com. You can use HTHstudents.com to find participating doctors and hospitals abroad, medical translations, health profiles for cities and countries, benefit information, and more.
MEDEX Member Center User's Guide - Outlines features of the MEDEX Member Center.
SUNY Insurance Waiver - Submit to International Programs Office along with domestic insurance policy's international coverage information to waive HTH insurance.
**Disclaimer (per SUNY Policy): “Neither the State of New York, through its agents, nor the State University of New York through its agents and employees, is responsible in any manner whatsoever for the payment of any claim for health-related services provided to individuals covered under this insurance policy. The State of New York and State University of New York are not responsible for obligations incurred by individuals who are not covered by this insurance policy. All individuals participating in State University’s health insurance program described herein are responsible for reviewing all descriptions of the scope and level of coverage offered by this policy. Such participants will be solely responsible for obtaining additional coverage not provided under this program if such is deemed necessary by the participant.” - SUNY Office of the Vice Chancellor for Research, Graduate Studies, and Professional Programs and Office of the Vice Chancellor for Finance and Business, Memorandum to Presidents, “Guidelines for the Implementation of Health Insurance Coverage for International Exchange, Research, and Study Programs, Vol. 86, No. 9, June 5, 1986