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Health Insurance & UMSL's Policy
UMSL mandates that all students and scholars in F-1 or J-1 immigration status have health insurance through Aetna Student Health. F-1 students on post-completion Optional Practical Training (OPT) and dependents purchase this health insurance coverage if they choose. You can review the insurance coverage and policy at this link: www.aetnastudenthealth.com/umsl
**PLEASE ALSO NOTE THAT BEGINNING JANUARY 1, 2014, "US RESIDENTS" FOR TAX PURPOSES ARE LEGALLY REQUIRED TO HAVE HEALTH INSURANCE. YOU CAN LEARN MORE ABOUT YOUR RESPONSIBILITY AT THIS LINK: https://www.healthcare.gov/
2016-2017 Health Insurance Costs
Student/Scholar Cost: $1,499 for annual coverage, 08/01/2016 - 07/31/2017
(Fall Semester 2016 = $630; Spring/Summer Semester 2016 = $869)
$1,499 for annual coverage for spouse (in addition to the student rate)
$1,499 for annual coverage for child(ren) (in addition to the student rate)
Please note, costs can be expected to rise by approximately 5-10% per year.
General Payment Procedures & Deadlines
For F-1 & J-1 Students
International Student Services will handle your insurance enrollment. Your insurance will be automatically added to your bill when you register for classes. You will pay through the Cashier's Office through the monthly billing system. Your insurance card will be mailed to the mailing address you have on file with the University.
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 all other enrollments (OPT, dependents):
Visit www.aetnastudenthealth.com/umsl .
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 2016, this is Friday, September 2, 2016. Please note that completion of a waiver petition does not guarantee that a waiver will be granted.
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.
Optical and Dental
This health insurance policy does not cover optical or dental. UMSL students can get complimentary comprehensive eye exams at the College of Optometry (http://www.umsl.edu/divisions/optometry/) . An optional Vital Savings Dental program is available to students at an additional cost. Students can enroll at www.aetnastudenthealth.com Discount programs are not insurance.
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)
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