Health Insurance
All students* must have evidence of health insurance through August 31, 2025, regardless of being enrolled in class, engaged in a CPT or OPT, or on an academic break. Upload a copy of your health insurance card and evidence of coverage in the Student Portal by June 7, 2025.

*Students enrolled in the Cigna Healthcare plan will remain enrolled through summer and do not need to submit their documents. All students must submit evidence of coverage through summer. F-1 students who fail to submit by June 7, 2025, will be automatically enrolled with Cigna Healthcare.

All students must have health insurance coverage for each term they are enrolled in and during semester breaks. Students enrolled in a 100% online modality are exempt from this health insurance requirement. Beginning September 1, 2024, SFBU offers international students health insurance coverage through Cigna Healthcare via International Student Insurance.

Domestic students seeking health coverage are encouraged to visit the following website to identify options, www.ehealthinsurance.com or https://www.dhcs.ca.gov/individuals/Pages/MMCDHealthPlanDir.aspx.

 

About the Insurance Plan - for International Students only

The SFBU student Health insurance plan is offered through International Student Insurance and is administered by Cigna Healthcare. The plan includes large networks of doctors and pharmacies, and focuses on easy use for all members. When you visit a participating healthcare provider or pharmacy, show your ID card, and they will file all claim forms for you.

Please refer to Cigna Health Policy at a Glance for more information. You can learn more about your plan and access your policy documents through your online Student Zone here.

Enrolled students can find a complete list of healthcare providers and pharmacies by visiting the provider directory. To find providers, log in to your Cigna Envoy account, or visit www.cigna.com and follow these steps:

  • Select “Employer or School”.
  • Enter address, city, or zip code, and then choose doctor type, by name, or facility.
  • Click “Continue as Guest.”
  • Click on “Continue”.
  • Choose the Open Access Plus Network.
  • View search results.

You must pay a $20 copay for in-network doctor visits, a $50 copay for in-network urgent care centers, and a $200 copay for in-network emergency room treatment, at the time of the visit. Please refer to the policy wording to learn more about any out-of-pocket expenses included in your plan.

For medicine prescriptions, you must pay a $30 copay for generic drugs, a $60 copay for preferred brand-name drugs, and a $100 copay for non-preferred brand-name drugs. The SFBU Student Health Insurance Plan brochure has more information about the prescription medication coverage included in your plan, and you can also contact Cigna with any questions about your prescriptions.

To visit the insurer home page and create your Cigna Envoy account, please visit your Student Zone for more information. Through your Cigna Envoy account, you will be able to file a new claim online, check the status of an existing claim, access Telemedicine, and more.

 

Health Insurance Related Information: 

 

Important Note: All SFBU new students must review the information on Health Requirements.

 

To learn about student health insurance plan and additional resources, please refer to the SFBU Heath Insurance Orientation here or the video below.

 

Health Insurance FAQs

You will be emailed a copy of your insurance ID card, as well as a brochure with your plan details, upon enrollment. You will also be able to download your ID card at any time through the MyDocuments section of your Student Zone.

Through Cigna Envoy, you can find doctors and hospitals that accept your plan, submit and track your claims, access Telemedicine and Virtual Emotional Wellness, access health and wellbeing resources, send questions to Cigna through the secure messaging portal, and more!

Cigna Envoy is available in multiple languages, and you can set your preferred language in your Envoy account once you register.

You can register online at: https://www.cignaenvoy.com/ or through the Cigna mobile apps through your Apple App Store or Google Play.

To register, you’ll use the 9-digit ID number on your insurance ID card. Please note, you will need to add “01” to the end of your ID number to register. You can learn more about the registration process through your Student Zone here.

Yes! Your plan includes access to Teladoc virtual telemedicine, allowing you to seek treatment with a doctor from the comfort of your own home. This service is included in your plan at no additional cost.

You can use Teladoc to help treat non-emergency health issues like sinus problems, respiratory infections, allergies, flu symptoms, rashes, and many other illnesses. You can learn more about accessing telemedicine through your Student Zone here.

Your insurance plan uses the Cigna Open Access Plus Network. You can locate doctors through Cigna’s online search tool, which can be accessed through your Cigna Envoy Account, Cigna’s mobile app, or through your Student Zone here. You can also call Cigna directly for assistance finding doctors and hospitals in your area that accept your insurance plan.

You can also visit www.cigna.com and follow these steps to locate providers in your area.

  • Select “Employer or School”.
  • Enter address, city, or zip code, and then choose doctor type, by name, or facility.
  • Click “Continue as Guest.”
  • Click on “Continue”.
  • Choose the Open Access Plus Network.
  • View search results.

When going to an in-network provider, discounts will apply so you will pay less out-of-pocket. If you go to an out-of-network provider, you may need to pay for the visit upfront, and then file a claim to be reimbursed for your eligible expenses.

If you aren’t feeling well, follow the steps below to seek treatment!

  • For non-emergency care, use Teladoc Telemedicine whenever possible.
  • For in-person treatment, visit a doctor or hospital that accepts the Cigna Open Access Plus Network.
    • Urgent Care Centers and Walk-In Clinics are often the best places to seek medical care quickly and you will pay less out-of-pocket.
    • Only use the Emergency Room (ER) in emergency situations. Your plan may include an additional ER deductible that you will have to pay if you seek treatment at the Emergency Room.
  • Always show a copy of your insurance ID card when seeking treatment.
  • Follow up on the status of your claims in your Cigna Envoy account.

When going to an in-network provider, discounts will apply so you will pay less out-of-pocket. If you go to an out-of-network provider, you may need to pay for the visit upfront, and then file a claim to be reimbursed for your eligible expenses.

You will only need to file a claim if you paid for your visit or any prescription medication out of pocket. You will be able to submit your claim, along with any itemized receipts, bills, medical notes, etc. right online through Cigna Envoy.

If you were not required to pay for your visit upfront, the doctor's office or hospital should submit the claim directly for processing. Once your claim has been processed, or if any additional information, like an Accident Questionnaire or medical records, are requested, you’ll receive an email letting you know to log in to your Cigna Envoy account to check on the status.

Please note: You will only receive an email notification if you’ve already registered for your Cigna Envoy account. We recommend registering for your Cigna Envoy account as soon as possible!

Your plan includes free access to the International Member Assistance Program (IMAP), which is a virtual and telephonic counseling service focused on providing safe, secure, and private means of seeking mental health assistance from licensed counselors.

The IMAP counselors are trained to aid in managing anxiety and depression, stress, substance use, improving family communication, harmony between school and home life, bullying, dealing with life changes, grief, and more. You can learn more about accessing IMAP through your Student Zone here.

If you have any questions about the plan, need help finding a doctor, or need assistance with your claims, you should contact Cigna directly for assistance. Their contact information can also be found on the back of your insurance ID card.

🔹 USA Toll Free: +1.800.441.2668
🔹 USA Direct: +1.302.797.3100
🔹 Secure Messaging through Cigna Envoy
 

 

SFBU Student Health Insurance Card

You will receive your insurance card by email, using the same email address that you gave to SFBU. Please make sure that your email address is correct. If you do not receive your health insurance card, please contact groups@internationalstudentinsurance.com.

 

Contact Information

For assistance with your plan, please contact Cigna directly using the contact details below, or email International Student Insurance. If you are a current client and need emergency assistance, please dial the 24 hour number on the back of your insurance ID card.

🔹 USA Toll Free: +1.800.441.2668
🔹 USA Direct: +1.302.797.3100
🔹 Email: groups@internationalstudentinsurance.com
🔹 Secure Messaging through Cigna Envoy