Obtaining an Insurance Requirement Waiver
If you have insurance that is comparable to the U-M Health Insurance Plan, you can request a waiver of the health insurance requirement. If you plan to purchase insurance, please make sure your policy will meet these standards before you purchase it as many policies do not meet these requirements. Also, please remember that the U-M Health Insurance Plan changes from time to time and so do the requirements for the approval of insurance waivers. Therefore, insurance that was acceptable in prior years may not be acceptable this year.
Applying for an Insurance Waiver
To obtain a health insurance coverage waiver, you submit a Health Insurance Waiver Request Form (PDF) to Suzette Crandell at Office of International Affairs, #108 The Union. If you are in Post-Completion Optional Practical Training (OPT), use the OPT/CPT Waiver Form (PDF). For J1 Scholars who will be given health insurance through their UM employer, please use the J1 Scholar Waiver Form
Waivers must be submitted before the following deadline dates:
Students: October 1st for Fall term
February 1st for Winter term
June 1st for Summer term (s)
OPT & CPT: 30 days after employment start date
Scholars: 30 days after arrival date
Any waiver requests received after these above deadline dates will not be considered but returned to student/scholar. No exceptions.
University of Michigan (Dearborn) Health Insurance Standards
In order for a waiver to be approved, your health insurance must, at minimum, meet the waiver standards listed below:
- There must be a U.S. phone number for the insurance claims agent.
- The plan must be in full compliance with applicable federal law (specifically Title IX of Education Amendments of 1972, as amended by the Civil Rights Restoration Act of 1987). Specific components of these laws include pregnancy treated as any other medical condition. Insurance plans that exclude maternity coverage or severely limit it will not be accepted. Maternity coverage must be similar to coverage for other medical conditions.
- The following kinds of insurance plans are not considered to be comparable to the U-M International Student/Scholar Insurance Plan and therefore are not acceptable:
- Insurance that covers emergencies only is not acceptable.
- Insurance that pays for a patient's condition to be 'stabilized' but then requires the patient to be returned to the home country for treatment is not acceptable.
- Travel insurance is not acceptable. Travel insurance is insurance that is in effect for a short period time (60 - 90 days, for example) and is designed for short trips. Insurance that you plan to substitute for the U-M International Student/Scholar Health Insurance Plan should be in effect at least through August 31 of the current academic year unless you plan to leave the University permanently before then.
- Coverage under MediShare or other forms of cost-sharing arrangements that are not true medical insurance is not acceptable.
Last reviewed: 7/09