International Student and Scholar Services

Mandatory Health Insurance

 

UMSL Policy
Insurance Costs
General Procedure & Deadline Information
Additional Procedure, Deadline & Policy Information
Coverage Information
What to Do if You Get Sick
Contact Information
ISSS Home

 

Health Insurance & the UMSL's Policy


Due to the high costs and complexity of the American health care system, it is very important that international students and scholars have comprehensive health insurance coverage during their studies in the United States. Additionally, UMSL mandates that all students in F-1 or J-1 immigration status have health insurance meeting the requirements established by the United States Department of State. J-1 students and scholars and dependents of J-1 students and scholars are also required to have this health insurance policy. F-1 students on post-completion Optional Practical Training (OPT) and dependents of F-1 students may purchase this health insurance coverage if they choose.

2013-2014 Health Insurance Costs


Student/Scholar Cost
$1475 for annual coverage, 08/01/2013 - 07/31/2014
(Fall Semester 2013 = $618; Spring/Summer Semester 2014 = $857)

Please note, costs can be expected to rise by approximately 5-10% per year.

Dependent Costs
$6792 for annual coverage for spouse
$2545 for annual coverage for child(ren)

Please note, costs can be expected to rise by approximately 5-10% per year.

General Payment Procedures & Deadlines


For F-1 & J-1 Students
1) Make insurance payment at cashier's office in MSC.
2) Pay your insurance separately from other fees on your student account. In other words, make an insurance payment in the exact amount of $618 for the Fall 2013 semester.
3) Get a receipt for payment from Cashier's Office and drop it off to 261 MSC by Friday, September 13, 2013.


For J-1 Scholars
Scholars must fill out an enrollment form and pay directly to the insurance company. Scholars may pick up an enrollment form in our office. Please note: the health insurance will not come into effect until after Aetna Student Health has received your enrollment form; plan accordingly.

For Dependents
J-2 dependents must and F-2 dependents may fill out an enrollment form and make payment directly to the health insurance company. The enrollment forms are available in our office. Please note: the health insurance will not come into effect until after Aetna Student Health has received your enrollment form; plan accordingly.

For F-1 Students on post-completion OPT
You may purchase health insurance if you so choose. You are responsible for completing an enrollment form and mailing the form along with payment to the health insurance company. OPT students may pick up the enrollment form at our office in 261 MSC. Please note: the health insurance will not come into effect until after Aetna Student Health has received your enrollment form; plan accordingly.

 

Additional Procedures, Deadlines, & Policies

 

Note: the information in this section is available in brochure format here.

In some situations, unique circumstances regarding insurance policies and procedures come up. Please read through this section so that you have an idea of some of the policies the Office of International Student and Scholar Services has adopted regarding the health insurance program. (These rules apply to all students in both F-1 and J-1 status.)

Requirements
Due to significant differences between healthcare in the United States and other countries as well as federal regulations, the University of Missouri - St. Louis requires that all student in F-1 o J-1 visa status purchase health insurance through the university. This inexpensive policy covers students worldwide for accidents and illnesses while they are in classes at UMSL.

Automatic Enrollment
The appropriate insurance charges are automatically added each semester that a student in F-1 or J-1 status enrolls in classes. Charges are added to student accounts after registration.

Exception to Automatic Enrollment
The following students will not automatically be charged for health insurance: students whose I-20 or DS-2019 was issued by an institution other than the University of Missouri - St. Louis and students not in F-1 or J-1 status.

Manual Enrollment
Students with a non-UMSL I-20 or DS-2019 as well as students in immigration statuses other than F-1 or J-1 can purchase the health insurance offered through the university if they so choose. Such request must be made in writing by the end of the fourth week of classes. For fall 2013, this is Friday, September 13th.

Waivers
In limited situations, waivers may be granted to non-degree seeking students or students with government-sponsored health insurance. All waiver requests must be completed by the end of the second week of classes. For fall 2013, this is Friday, August 30th. Please note that completion of a waiver application does not guarantee that a waiver will be granted.

Withdrawal
Withdrawing from classes with not also automatically cancel your insurance charges. You will need to make a request, in writing, to have the insurance charges reversed. The last date to request reversal of insurance charges is also the last date students can withdraw from the university and receive a partial refund of tuition. For fall 2013, this is Monday, September 16th.

Payment Deadlines
To ensure that health insurance premium payments are received in a timely manner, a separate payment deadline exists for the health insurance premium. The deadline for payment is the end of the fourth week of classes. For fall 2013, this is Friday, September 13th.

Payment Procedures
Health insurance payments must be made separately from other payments to the university. For fall 2013, the premium amount is: $618. This exact amount must be paid in the cashier's office by the deadline noted above. Once payment has been made, a receipt of payment must be brought to the Office of International student and Scholar Services for verification.


Exclusions
Please note: this health insurance policy does not cover optical, dental, or preventative healthcare. .

Insurance Coverage


If it is an emergency you should call the Police at 516-5515 or 911.


Health insurance varies a lot from country to country. It is very important for students to understand what their student insurance will and will not pay for. We strongly recommend that you read through your Aetna Student Health Insurance Policy (highlights or in detail). If you are unsure if your health insurance will cover something you can call Aetna Student Health at (877) 375-7905 or visit their website www.aetnastudenthealth.com . From this website, you can login using our school name or you can go directly to the customized UM - St. Louis version of the Aetna Student Health website. The policy also offers travel assistance.

What should you do if you are sick and need to see a doctor?

If it is an emergency you should call the Police at 516-5515 or 911.

For additional information about health care and staying healthy during your studies at UMSL, visit the Staying Healthy section of the UMSL International Visitor's Handbook.

 

Contact Information


Any questions about the insurance can be addressed to:

Office of International Student and Scholar Services

261 Millennium Student Center (MC 221)
One University Boulevard
St. Louis, MO 63121
+1 (314) 516.5229 (phone)
+1 (314) 516.5636 (fax)
iss@umsl.edu (email)

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