Health insurance

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. 

Automatic enrollment

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 via email, [email protected]. 

Here is the Continuation Plan Enrollment Form.

What is covered? BCN Member Guide

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): p. 4/17/18
  • Hospitalization (inpatient coverage): p.19
  • Pregnancy/delivery: p.19
  • Prescription drugs: p.14
  • Preventive care including immunizations:p.21
  • Mental health care: p.13/p.20
  • Ambulance and emergency room visits: p.18
  • Annual vision exam: p.22
  • Dental care: p.22

BCN member account and insurance ID card: Member Guide P.2

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


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 2023/2024:

  • Single Student/Scholar: $836.68
  • Student/Scholar  with 1 Dependent: $1,651.36 
  • Student/Scholar with 2 or more Dependents: $2,466.04

Rates of 2022/2023:

  • Single Student/Scholar: $762.76
  • Student/Scholar  with 1 Dependent: $1,503.52
  • Student/Scholar with 2 or more Dependents: $2,244.28

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 

How to submit a health insurance waiver request

Health Insurance Presentations

International Student/Scholar Health Insurance Plan


Health insurance coverage is coordinated through the OIA. For further information contact 313-583-6600 or [email protected].

BCN Student Inquiries, Membership, Enrollment, Billing:  TEL, 1.855.669.8041, Email, [email protected]

Confirming benefits, Claims, Searching for a doctor/specialist/medical facility:  TEL, 1.800.287.4103  (# on back of insurance card)



Office of International Affairs

2106 - James C. Renick University Center
4901 Evergreen Road
Dearborn, MI 48128
View on Map
Phone: 313-583-6600
Fax: 313-583-6725