Health Insurance - SUNY Cortland

Health Insurance

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 receive medical care outside of the HTH-network, you can submit a reimbursement form to HTH.

HTH Worldwide is a required purchase for all study abroad students studying on a SUNY Cortland program. HTH Worldwide will be billed by the Cortland Registrar's Office at a cost of $199.25 per semester of study abroad. SUNY Emergency Medical Evacuation and Repatriation policy, MEDEX coverage is included with the HTH Worldwide policy. 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.

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, 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 HTH website.

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. Users Guide - Outlines features of

HTH Student Policy Brochure - Detailed policy information.

HTH Student Certificate of Coverage - Detailed policy information, including deductible amounts.

SUNY Medical, Security, and Natural Disaster Evacuation and Repatriation Program - This policy shall cover all participants on active programs as of August 15, 2015. The policy will replace MEDEX coverage, which will no longer be offered.

Upon enrollment into HTH, you will receive a welcome email containing your enrollment information, ID card, and user name and password for You can use 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.



**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