For more detailed information about insurance benefits and coverage:
- Benefits and Coverage
All international students at Washington College are required to carry health insurance. For this purpose, all students who are not covered by a US insurance company with branches located and accepting claims in the United States are required to enroll in the Accident and Sickness Insurance for International Students of University Health Plans. Below are some things you should know about your insurance.
Where am I covered?
You are covered anywhere in the world except for your home country.
What am I covered for?
You are covered for any accident or illness and may visit any doctor or hospital neccessary to treat you.
When am I covered?
Student’s enrolled in the College health plan are covered from August 15 through August 15th. If you are only at Washington College for one semester, please inquire with Student Health Services in regard to your coverage start and end dates.
Who can I contact if I have a health question?
If possible, students should be seen by Health Services, and if needed a referral will be made. Our staff would be happy to answer any health questions. Health Services can be reached at 410-778-7261. On campus, just dial 7261.
What do I do if I have an insurance question?
Feel free to inquire with Health Services regarding your insurance coverage. You may also call the insurance company directly at 1-800-437-6448 or (617) 472-5324. , or visit their web site at University Health Plans.
If I go to a doctor, do I need cash?
You may need money when you go to a private doctor’s office. Check with the doctor’s office before you go. For prescriptions filled at a pharmacy, you must pay for them, then submit the bill to the insurance company for partial reimbursement.
How does the billing and insurance system work in the US?
You should carry your health card with you at all times and present it upon entering the hospital.
If you do not have your card, the local hospital, the Chester River Hospital Center, has a list of students that are covered by the school insurance. Tell them that you have the international student health insurance and they will contact Washington College on your behalf. For other hospitals, you must call to give them the information on your health card as soon as possible. Be sure to tell the receptionist that you will call or fax your health card information, or you will be billed directly! You can also ask the hospital to call Student Health Services for your insurance information.
How do I get a replacement card?
If you need another copy of your insurance card, please call Student Health Services.
Things to be aware of:
For every illness or accident you must complete a claim form. The insurance company mails claim forms to the students whenever they receive a bill. Blank claim forms are available in Health Services.
Remember there is a deductible (a percentage payment) for which you are responsible for each illness/accident. If you fail to fill out a claim form, you will be responsible for the bill. If you have trouble filling out the form, Student Health Services can help.
No insurance company pays 100% of all medical bills.
Tipping is truly an American oddity. Many people in our society do a wonderful job working and yet receive no tip for the services they provide, while others expect you to tip them for performing tasks.
Some common examples of people you should tip are:
- Waiters and waitresses in restaurants
- Bellhops at hotels if they help you with your bags
- Valet parking attendants
- Hairstylists (Some women tip their hair stylist, men do not)
- Bathroom attendants
- Taxi drivers
- Pizza delivery persons
You are not expected to tip:
- At buffet restaurants where you serve your own food
- At fast food restaurants
- Salepeople in stores
- Mail persons
The amount you tip is your decision. Tips usually range from 10% to 20% of your bill. The more you tip, the more you express your thanks. If you feel someone did minimal work on your behalf you may tip them 10%, or if you feel they performed poorly, you may not tip them at all!
Relying on an international bank can be difficult. It is recommended that you open a local bank account here in Chestertown where you can have funds wired from abroad or deposit money on your own.
We have scheduled a time for opening bank accounts during the first days of your orientation and will assist you in the process.
To open an account you will need to take the following things with you:
- Your passport
- Your Washington College ID/other photo ID
- Your phone number
- Your address
- An initial deposit of $20.00 USD or more
ALL INTERNATIONAL STUDENTS ARE EXPECTED TO FILE A STATEMENT WITH THE US GOVERNMENT REGARDING THEIR TAX STATUS EVERY YEAR THEY ARE A STUDENT—THIS IS IMPORTANT TO DO!!!
Did you know ALL INTERNATIONAL STUDENTS should file “Form 8843” even if they are not working?
Did you know that if you are working and Social Security taxes were withheld from your paycheck you need to file “Form 1040NR-EZ?”
Did you know that the deadline to file your taxes is April 15?
It is your responsibility to file your taxes and form 8843. The Global Education Office does not prepare US Income tax forms, however there is usually free tax help available in Chestertown. Our office will make every effort to alert you to tax counseling in the local area. If you use a tax service you should bring the following materials to your appointment:
- Form 8843 (and 1040NR-EZ if you have worked and received income)
- pencil, pen
- I-94 or DS-2019
- Social Security Number
If you did not file taxes/8843 for past years, please call 1-800-829-1040 to request forms from past years. You may also access tax forms and information at www.irs.gov and searching for forms by number where it says “Forms and Publications.” In addition, the University of Texas at Austin has developed a tax site with the aid of tax professionals designed to help international students understand and file their own federal income taxes. Visit this site to see.