Cherry Blossoms

Current International Students

F-1 Student Health Insurance

All Foothill’s active F-1 students are automatically enrolled in our mandatory health plan.

  • This plan offers the best possible medical coverage at the best possible price.
  • Under this plan, you may choose from a wide variety of health care providers in our local communities who participate in the Cigna PPO network.
  • The plan provides up to $250,000 in coverage per condition each year, with 100% coverage after the copayment (usually $50-$100) for most doctors and clinic or hospital services within the PPO network.
  • The copayment may be waived if you first seek medical help from Foothill College's Student Health Services office.

Plan Enrollment

Coverage Dates

$552 USD each four-month term, a total of three terms per year.

  • Fall term: August 15 - December 14
  • Winter term: December 15 - April 14
  • Spring term: April 15 - August 14

For new students, if you arrive in the U.S. before a coverage term starts, you may purchase one additional month of transition insurance.

If you completes your studies at Foothill College before the end of the coverage term, your insurance ends on the last day of the last quarter which you paid.

Coverage Payments

Once you register in a class for the upcoming quarter, the insurance fee should be added automatically. If you do not see this charge, please contact foothillinternational@fhda.edu. You can pay this fee along with the rest of the tuition and fees.

Dependents

Dependents are not automatically enrolled in this health insurance plan. To enroll your dependents, visit foothill.mycare26.com. Your dependents include spouse, domestic partner, or children under the age of 26. Dependents will only be enrolled later if it is within 31 days of marriage, birth, adoption, or arrival in the U.S.

For questions about dependent enrollment, contact 800.537.1777 (Monday–Friday, 8:00 am to 5:00 pm PT).

During OPT

If you are participating in Optional Practical Training (OPT), you are eligible for the plan but you will not be automatically enrolled. You must enroll when you start OPT and remain enrolled through the entire OPT  period. 

To enroll during OPT, visit foothill.mycare26.com. Students who are on OPT must provide a Verification of Practical Training Letter to be eligible for this insurance coverage and must purchase OPT coverage within 30 days of the expiration date of their prior coverage.

Dependent coverage is not available for students enrolled during OPT.

If you are no longer an F-1 visa student, you may not purchase health insurance under this plan.

For questions about OPT enrollment, contact 800.537.1777 (Monday–Friday, 8:00 am to 5:00 pm PT).

Waiver

Foothill College may grant waivers only if you meet certain requirements (i.e. if you are on your spouses', partners' or parents' U.S. local health insurance plans). If you hold another health insurance plan, whether U.S. or foreign, you will still be required to purchase the Foothill health insurance. Please contact foothillinternational@fhda.edu if you have questions about the waiver. 

The waiver form must be submitted to the ISP office along with all required documents no later than the second Friday of each quarter (fall, winter or spring).

Refunds

You are responsible for paying the quarterly health insurance fee unless you notify the ISP office and are approved for a refund within the first two weeks of the quarter about one of the following circumstances:

  • You are taking online classes from abroad
  • Your immigration or visa status has changed
  • You have obtained permanent residency status (green card)
  • You are transferring to another school or university
  • You are ending your studies or leaving the United States

If you don't pay the required fees, a hold will be placed on your student account. You will not be able to obtain transcripts or enroll in future quarters until the hold is cleared. If left unpaid, your debt may be sent to an outside agency for collection. This may affect your financial or credit rating in the future.

Access Care

Insurance ID

Enrolled students should receive a welcome email within the first two weeks of the new quarter. Students should check their spam/junk mail.

Follow the instructions to register online to access your digital ID and other plan benefits at www.wellfleetstudent.com. If you cannot locate this email, please contact foothillinternational@fhda.edu. 

Carry your ID card with you at all times! You will need our card when you visit the campus health center. doctor's office, urgent care, or hospital.

In-Network

The network for this plan is Cigna PPO.

In-network means providers such as doctors, specialists, and hospitals have a contract with this insurance plan at a lower cost to its members. Sometimes it is also called “PPO” or “Preferred” network. 

If you use a Cigna PPO provider, covered medical services are paid by the insurance company at 100%. If you use an out-of-network provider, meaning a provider who does not accept Cigna PPO, covered medical expenses are paid at only 70%. Copays and deductibles are not included in what the insurance company pays.

Find Care

  1. Visit hcpdirectory.cigna.com and at the top of the page, click "Find a Doctor, Dentist or Facility".
  2. Click "Employer or School" and enter your Address and City, or Zip. Click on "Doctor by Type, Doctor by Name, or Health Facilities" and make your selection in the drop down.
  3. Click "Continue as guest". (Note: you will not be able to create a Cigna account).
  4. Confirm your address and click "Continue".
  5. Under “Please Select a Plan” click "PPO, PPO Tiered" (bottom).
  6. Select a provider from the list.

It is best to locate a Cigna PPO physician, urgent care center, and emergency room near you before you get sick. Always verify the provider is part of the Cigna PPO Network before you receive treatment.

Copayments

The cost of the insurance charge:

  • A $50 copay when you go to a Cigna PPO doctor’s office (may be waived at the Student Health Services office prior)
  • A $50 copay when you go to a Cigna PPO urgent care center when the campus health center or doctor’s office is closed
  • A $100 copay when you visit a Cigna PPO hospital
  • A $100 copay if you visit a Cigna PPO emergency room
    (waived if you are admitted to the hospital)
  • 50% of the cost of prescription medication, up to $2,500 maximum per year (you must pay in full, then send a claim for 50% reimbursement)
  • 30% out-of-network coinsurance if you do not use a Cigna PPO provider
  • Full amount for any services not covered by insurance
    (see exclusions and limitations in the Policy)

Limitations and Exclusions

The Cigna PPO plan offers comprehensive benefits. As with any insurance plan, however, there are some specific limits to the coverage. If you incur charges for a service that is not covered or an amount that exceeds your coverage, you are responsible for paying those charges. 

Be sure to carefully review the "Exclusions and Limitations" section of the plan certificate on foothill.mycare26.com so you know what is not covered or has limited coverage. If you have any questions or want to verify whether your plan covers a specific service, contact (877) 657-5030, TTY 711 or visit www.wellfleetstudent.com.

Reimbursement Claims

After your visit, the doctor or provider will send a bill to the insurance company for the charges. The insurance company will review the doctor’s statement and determine the payment for each itemized procedure. The insurance company will then send you an Explanation of Benefits. This is not a bill. It is a notification of what the insurance company will pay your doctor.

The doctor will receive payment from the insurance company and then bill you for any amount not covered by the insurance. You must pay for any amount the insurance company does not cover. If you do not pay, it will affect your credit and possibly your visa status. Note: Most charges are covered at 100% if you use a Cigna PPO provider.

In most cases, after your visit, a Cigna PPO physician or provider will send a bill to the claims to:

For Cigna PPO Providers:
PO Box 188061
Chattanooga, TN 37422-8061
Electronic Payor ID: 62308

For Non-Cigna PPO Providers:
Wellfleet Group, LLC
dba Wellfleet Administrators, LLC
PO Box 15369
Springfield, MA 01115-5369
(877) 657-5030, TTY 711
www.wellfleetstudent.com

If you are required to pay for services up front, you will need to complete a claim on foothill.mycare26.com in order to be reimbursed (paid back) by the insurance company.

Keep copies of all the documents you submit. To check the status of a claim you submitted, contact (877) 657-5030, TTY 711 or visit www.wellfleetstudent.com.

Additional Coverage

COVID-19 Testing and Vaccine

COVID-19 vaccines are provided free of charge through local government vaccination sites. Please visit this website to determine your eligibility and to sign up for an a vaccination appointment when you are eligible: https://covid19.ca.gov/vaccines/

Visit COVID-19 resources for this plan: wellfleetstudent.com/covid-19/

Dental and Vision

Dental and vision care are not covered under this insurance plan. If students would like more information on purchasing dental or vision, check with the Student Health Services office on campus or visit foothill.mycare26.com. Foothill Dental Hygiene program also offers free/affordable services at the clinic on campus.

Worldwide

Any treatment received outside California is covered at 100% within the Cigna PPO network, and 70% non-network, after the copays. The copays cannot be waived. Treatment in your Home Country is not covered.
All medical bills, receipts, and other information should be sent to the claims department address.
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Questions?
We're Here to Help!

International Student Programs Office

650.949.7293


foothillinternational@fhda.edu


Administration Building 1900 Room 1933

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