All international students at Concordia are required to enroll in the health insurance plan through the college's provider, EIIA. Policy information is available by contacting Ms. Karleen Mjolsness at mjolsnes@cord.edu.
Health insurance costs will be billed to your student account each semester. More information about the EIIA policy provided to you can be found on the EIIA website.
Please see below for more important details about insurance and healthcare in the U.S.
The Health Services Office in the Center for Holistic Health promotes the health and well-being of students by assisting them in making choices regarding their physical and mental health. While clinic services are not available on campus, the health services coordinator consults with, and provides assistance to, students who need to establish care off campus and connects them to other community resources. Our health services coordinator will reach out to you during your first month at Concordia to discuss any health concerns you may have, as well as address any questions you have regarding navigating the healthcare system in your new community.
Click here to view your international student health insurance policy documents.
For any medical appointments, you, the patient, pay the insurance premium for the health insurance, and the health insurance pays some of the costs of your care. Health insurance will not pay all of the costs of your care.
If you have supplemental health insurance from your home country, you should present this insurance information to the medical service provider and the provider will bill the insurance company directly; you then pay the difference. If your insurance has no U.S. claims office, you must pay the medical service provider in full yourself and then seek reimbursement from your insurance company. Health insurance companies commonly negotiate discounts with medical service providers, so if your claims office is outside the U.S. you likely will have to pay higher costs for medical services.
Calling 911 in the United States about a medical issue most likely means an ambulance will be sent to take you to an emergency room, meaning there will be a bill for the ambulance service (of around $1,000 if you are on campus) and for the emergency room visit (the amount could be thousands of dollars).
When you need less urgent medical care, options to consider are going to a Walk-In Clinic at either of the two main clinics in Fargo-Moorhead (Sanford Health or Essentia Health), calling the My Sanford Nurse phone line, or scheduling an appointment with a provider for the next day.
When searching for a provider, make sure it is In-Network for your insurance policy and use the ZIP code 56560 for Moorhead when searching to find the nearest clinic. Select the Options PPO network.
As F-1 international students enrolled at Concordia College, you will automatically be charged on your student account in TouchNet.
| Plan Type | Fall 2025 | Spring 2026 | TOTAL Annual Rate |
|---|---|---|---|
| Core | $631 | $884 | $1,515 |
|
Premium (For all UWC students and any others who opt-in to this Premium plan with more coverage, contact mjolsnes@cord.edu for more information on the Premium plan.)
|
$811 |
$1,136 |
$1,947 |
See the sample below of what your health insurance card will look like. If you do not have a copy of your card, please email Karleen Mjolsness at mjolsnes@cord.edu.
This section will be updated soon with information on separate optional dental and vision plans to be purchased by students.
Concordia College is now partnered with TimelyCare to deliver a new virtual health and well-being platform for students. Through either a mobile app or your desktop, TimelyCare provides 24/7 access to virtual care from anywhere in the United States at no cost.
Learn more about Concordia's partnership with TimelyCare.