All international students at Concordia are required to enroll in the health insurance plan through the college's provider, EIIA. Policy information is available at www.eiiastudent.org/cord. Health insurance costs will be billed to your student account each semester.
Concordia has an on campus health center that provides certain medical services, and its staff can advise and assist you with obtaining proper treatment off campus if needed. Please note that an office visit on campus is not free; rather, you will receive a bill for treatment offered. For any office visit, 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.
Calling 911 in the USA 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 $800 if you are on campus) and for the Emergency Room visit (amount could be hundreds or even thousands of dollars). When you need less urgent medical care, options to consider are going to the Walk In Clinic, phoning the Ask A Nurse program, or scheduling an appointment for the next day.
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.