Taking care of your health is essential while you are a student. Because government-provided healthcare is not available to international students or scholars in the United States, the University makes affordable health insurance available to you and your visiting family members.
If your Form I-20 or DS-2019 was issued by UM-Dearborn, you are automatically enrolled in the UM International Student and Scholar Health Plan (IHI).
- F-1 and J-1 students: You are enrolled in the IHI for the duration of your program of study.
- J-1 scholars: You will be enrolled for your entire term of appointment.
- OPT students: You have the option of extending your coverage beyond graduation.
The health insurance benefit ensures that you have access to quality healthcare during your time at UM-Dearborn.
Please note: students who graduate from the University after April 2019 will no longer be automatically enrolled in IHI for your period of OPT. If you need coverage beyond graduation, contact the Office of International Affairs (OIA) for options. Any F-1 student with an active OPT waiver will not be eligible to rejoin IHI.
Once F1 students graduate, their International Student Health Insurance ends. If you wish to extend your student coverage, you are eligible for the 90-day International Student Health Insurance Continuation Plan, offered directly through BCN. Learn more about the plan, including enrollment information at: www.4studenthealth.com/umich-cont
What is covered?
Your IHI plan covers treatment when you are sick, injured, or pregnant, as well as routine and preventive care. Coverage includes:
- Doctor/clinic visits (outpatient coverage)
- Hospitalization (inpatient coverage)
- Prescription drugs
- Preventive care including immunizations
- Mental health care
- Ambulance and emergency rooms visits
- Annual vision exam
- Dental care
BCN member account and insurance ID card
Shortly after your arrival on campus, you will receive an email with your “enrollee ID” which allows you to create your member account by following the instructions on the BCN website. Your member account will give you access to your electronic ID card. You will be able to check your coverage, claims, and more on your computer, smartphone or tablet.
Keep your insurance ID card or certificate with you at all times. You can download an image of your card to your phone, or you can print your card if you prefer. If you visit the doctor or the hospital, you will be asked to show your ID card before receiving services.
About the UM Health plan
- The Member Guide (PDF) has more details about the what the plan covers and an explanation of key terms such as copay, coinsurance and deductible.
- The Member Handbook (PDF) outlines your benefits and explains how your plan works.
- Benefits-at-a-Glance (PDF) is an overview of your coverage in chart form.
- Summary of Benefits and Coverage (PDF) tells you what this plan covers and what you pay for covered services.
Dearborn students and scholars will be assessed each term: Fall (September), Winter (January), and Summer(May) for coverage up to 4 months.
Charges cannot be pro-rated. This means that if you have this insurance for any part of the month, you will be charged for the entire month.
Insurance rates change every year on September 1. Rates usually increase; a decrease is rare. The current rates are listed below.
Rates of 2021/2022:
- Single Student/Scholar: $642.96
- Student/Scholar with 1 Dependent: $1,263.92
- Student/Scholar with 2 or more Dependents: $1,884.88
Rates of 2020/2021:
- Single Student/Scholar: $598.60
- Student/Scholar with 1 Dependent: $1,175.20
- Student/Scholar with 2 or more Dependents: $1,751.80
Do you already have insurance?
Health insurance waivers must be submitted within 30 days of your I-20 or DS-2019 program start date. You may be eligible to request a waiver of the health insurance requirement under very specific conditions. Please, review the U-M International Student/Scholar Health Insurance Standards, below.
You may be eligible for a waiver if you:
- Have alternate health insurance that meets U-M International Student/Scholar Health Insurance Standards (listed, below). The OIA will help you determine this.
- Are eligible for health insurance benefits administered by the U-M Benefits Office. You may be eligible for health insurance provided as a U-M benefit if you are a:
- Graduate Student Instructor (GSI)
- Graduate Student Research Assistant (GSRA)
- J-1 exchange scholar with a UM-Dearborn appointment
- Graduate Student Instructor (GSI)
COVID-19 Health Insurance Information for International Students and Scholars
If you have health insurance that is comparable to the U-M International Student/Scholar Health Insurance Plan (IHI), you can request permission to substitute your health insurance for the UM plan by requesting an “insurance waiver.”
- The standards used to determine whether an insurance plan is comparable are listed below. If you plan to purchase insurance, please make sure your policy will meet these standards before you purchase it since many policies do not meet these requirements.
- The UM International Student/Scholar 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.
- You cannot use a combination of insurance plans to satisfy the insurance requirements.
APPLYING FOR AN INSURANCE WAIVER
- Submit a Health Insurance Waiver Request Form (F-1 Student, J-1 Scholar) to the Office of International Affairs via email to email@example.com.
- If the plan you would like to substitute for the UM International Student/Scholar Health Insurance Plan is unacceptable insurance or does not meet all of the basic requirements, your plan will not be evaluated further and your waiver request will be denied.
- Be sure to include the required supporting documents listed on the form.
- Insurance waiver requests cannot have a start date earlier than 30 days before the date you submit the form.
UM Health Insurance Standards
The following kinds of insurance plans are never considered to be comparable to the UM International Student/Scholar Health Insurance Plan (ISHI) and therefore are NOT acceptable:
- Insurance that covers emergencies only, or 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.
- Medicaid is not acceptable as a substitute for the UM International Student/Scholar Health Insurance Plan, since F1 and J1 students or scholars are not eligible for Medicaid. This includes “Healthy Michigan”, which is Michigan’s “Medicaid expansion”. Even if a Michigan Department of Health and Human Services staff member mistakenly enrolls an international student or scholar in Medicaid or in Healthy Michigan, an insurance waiver based on Medicaid or Healthy Michigan enrollment will not be approved.
A note about travel insurance: in most cases, insurance plans that are called “travel insurance” are designed for short trips and will not meet the requirements listed below. If you purchase travel insurance, please remember that you probably will not be able to substitute it for the UM International Student/Scholar Health Insurance Plan.
Any insurance plan that you would like to substitute for the international plan must:
- Comply with the Affordable Care Act (ACA).
This means, for example, that your insurance plan
- Cannot have an annual or lifetime limit on benefits.
- Must have 100% coverage for preventive care
- Cannot exclude or limit coverage for pre-existing conditions.
- Comply with federal antidiscrimination laws, specifically Title IX of Education Amendments of 1972, as amended by the Civil Rights Restoration Act of 1987.
This means, for example, that your insurance plan must cover maternity/pregnancy regardless of your age or gender, or the age or gender of your dependents. Insurance plans that exclude pregnancy coverage or severely limit it will not be accepted.
- Directly pay the provider or pharmacy in the U.S. for services rendered. There must be a U.S. phone number for the insurance claims agent. Plans where you pay the health care provider then the insurance company reimburses you are not acceptable.
- Be in effect at least through August 31 of the current academic year unless you plan to leave the University permanently before then.
Your insurance policy MUST offer the following benefits:
- The insurance plan must provide medical benefits of 1,000,000 US dollars or more per accident or illness?
Please note that this amount must be available for accident or illness. For example, a plan paying up to $500,000 for accident and $500,000 for illness would not be acceptable.
- The insurance plan must have a deductible of no more than $100 per policy year, or $200 per policy year for families.
- The insurance plan must cover at least 80% of usual and customary charges in the Dearborn, Michigan area for hospital room, board, miscellaneous hospital expenses, physician expenses in and out of the hospital, ambulance service, outpatient labs, x-rays, and diagnostic tests. The plan may not contain specific limitations for the treatment of medical conditions relative to standard hospital or outpatient care. For example, an insurance plan that has limited coverage of hospital room and board to $500 or limited coverage of ambulance costs to $350 would not be acceptable.
- The insurance plan must cover at least 90% of usual and customary charges for prescription drugs.
- Preventive care must be covered at 100%
- Oral contraceptives must be covered at 100%
- Pregnancy must be treated as any other medical condition. Insurance plans that exclude pregnancy coverage or severely limit it will not be accepted.
- The insurance plan must cover both inpatient and outpatient mental health treatment and must cover treatment for substance abuse (both alcohol and drug abuse.) This coverage must be comparable to the coverage provided by the ISHI Plan. The ISHI plan covers 100% of in-network charges for inpatient mental health treatment after a $150 co-pay per admission, and covers outpatient mental health treatment with a co-pay of $20 per visit (in network) or 80% of the recognized charge (not in network).
- The insurance plan must cover treatment for self-inflicted injuries and services related to suicide.
- The insurance plan must not contain major differences in coverage between the primary insured and dependents.
- The plan must have a “medical evacuation to home country” benefit of at least $50,000 and a “repatriation of remains” benefit of at least $25,000.
Note: If your plan meets all other requirements but does not include medical evacuation/repatriation benefits, you must purchase medical evacuation/repatriation coverage from UM-D. If your waiver request is approved, the Office of International Affairs (OIA) will handle your enrollment into our MedEvac Plan and have it assessed onto your UM-D account.
All UM-Dearborn health insurance plans cover flu vaccinations.
Canadian Students: Health insurance provided by your Canadian province (such as OHIP) is not acceptable as a substitute for the U-M International Student/Scholar Health Insurance Plan because it does not pay for the actual US cost of healthcare coverage.
Canadian Border-commuters: OHIP will qualify you for a health insurance waiver if you are a Canadian border-commuter student. By definition, this means that you do not reside in the USA full-time. Instead, you maintain permanent residence at home, in Canada, and cross the border to attend class on campus, returning home to Canada each evening.
Health insurance coverage is coordinated through the OIA. For further information contact 313-583-6600 or firstname.lastname@example.org.
For further questions about coverage, call Blue Care Network at 800-662-6667.