Health InsuranceHealth Insurance at Morehead State University. EligibilityMorehead State University has a mandatory medical health insurance policy. All international students must purchase the MHSU health insurance upon registration/enrollment. Students can not buy policies in their home countries. These policies rarely meet the coverage requirements that are necessary for International Students.
The insurance policy is through Lewer Agency and details are as follows: ... (more)  CoverageInsurance premiums are collected on an annual basis. When a student has completed the prescribed program of study as outlined on the 1-20 a prorated refund of the annual premium may be requested. Restrictions apply depending on the amount of time the student will remain in the country under the 1-20 issued by Morehead State University. The insurance policy is through Lewer Agency and details are as follows: Period Of Coverage DatesInternational students are advised to bring a completed health form (included in the mailing) with them and any medical records (English translation) that are related to medical conditions for which they are currently receiving treatment or taking prescription medication. Without appropriate records, students may have to undergo diagnostic testing in order to obtain a new prescription for medications. The health form includes a medical consent for a minor (persons under 18 years of age), which has to properly completed before medical services can be delivered to minor patients.
When visiting the student health clinic, international students who are not proficient in English should bring an interpreter with them when possible and make available to the clinicians any language aids they may have, such as their language/English dictionary. The student health clinic has some foreign language medical terminology resources but may not have an appropriate resource available.
Services of the student health clinic are included in regular university student fees. A minimal fee is assessed for a few lab procedures and program related physical exams. Any services obtained outside of the campus student health clinic, such as referrals to specialist, lab procedures done in a local clinic, or the hospital, hospital emergency room visits, and hospital stays are the financial responsibility of the student. The mandatory student insurance for international students provide for coverage for medical expenses incurred outside of the student health clinic. No more than a $50.00 deductible is usually charged to the student. Refund of premium will be made only in the event the
Insured enters military service. Otherwise, coverage
will continue for the period for which premium was
paid. No other refunds will be allowed.
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 I am from Azerbaijan, a Muslim country, where the lifestyle is completely different from the American and European one. In fall 2004, I decided to attend ESLI at McNeese State University. The best thing about ESLI is that it is not separate from the university but on the same campus. Attending classes not only improves your English, especially listening comprehension problems that many international students face, but it also helps you to become closely familiar with the university life. For the first time in my life, I experienced living on campus in a dorm and being a part of an American University. Besides that, the teaching process and relationship between teachers and students and students and students at ESLI are completely different. It is more interactive , lively, motivating, and friendly. Before coming to the USA, I thought I was very sociable and could deal with different people easily. However, it was true just with people from my country. Thanks to ESLI, I learned to deal and communicate with people of different cultures and with different backgrounds. In ESLI, you study in a group where students are at least from six different countries. It is very interesting and exciting. Certainly, you widen your world out-look and learn to be open yourself to changes.
Asmar Eyvazova, Azerbaijan Eyvazova, Asmar - Azerbaijan
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