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150 West 30th Street, Suite 1101
New York, NY 10001
Office hours are Monday to Friday, 9 AM to 6 PM EST

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Claim Procedures

Wellfleet & HealthSmart are ISO’s designated benefits and claims departments. Their aim is to ensure that your plan provides coverage to its maximum benefits. Both Wellfleet & HealthSmart offer 24/7 online claims status report and multilingual representatives dedicated to the special needs of international students.

In case of sickness or injury you should:
Visit the Student Health CenterWatch video

If you are a student and you've fallen ill or injured, please seek help at your school's Student Health Center first. In case a Student Health Center is not available or you are no longer a student, please proceed to a doctor office or clinic or urgent care center. In severe cases go to a nearby hospital. To avoid high out-of-pocket expenses, only visit the Emergency Room for life threatening events or medical cases that are emergency in nature. You may find doctors, clinics and hospitals in your area at: First Health or Multiplan.

Filing a Claim

Present your Insurance ID card (available in your confirmation email and online account) to your doctor or hospital receptionist. Ensure that the doctor, clinic or hospital will file a claim form on your behalf.

Completing the Claim Form

If your medical provider does not file a claim, you should submit the claim form along with all itemized bills, statements and receipts to the claims administrator listed on the back of your insurance card.

Claim form should be sent within 90 days of your medical event and processing time is between 10-20 business days. Once processed you will be able to check the status (EOB) online.  The insurance company may investigate and verify that eligibility requirements have been met for claims processing purposes.

Sending the claim form to HealthSmart

Complete the claim form and submit all documents online. You may also email documents to or mail to: 

HealthSmart, 3320 West Market Street, Suite 100, Fairlawn, OH 44333.

You may check your claims status online or contact HealthSmart Monday – Friday 8:00am– 5:00pm EST at (800)-203-4720.

Sending the claim form to Wellfleet

Complete the claim form and submit all documents by email to or mail to: 

Wellfleet, 2077 Roosevelt Avenue, Springfield, MA 01104

You may check your claims status online or contact Wellfleet Monday – Thursday 8:30am– 7:00pm EST & Friday 8:30am– 5:00pm EST at (855)-664-5837.

Outside the USA

If you are traveling outside the U.S. and need 24 hours assistance in case of sickness or injury, please contact On Call:

U.S. or Canada:       (800) 407-7307
International:      +1 (603) 898-9159