Mandatory Health Insurance
General Procedure & Deadline Information
Additional Procedure, Deadline & Policy Information
What to Do if You Get Sick
Health Insurance & 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.
**PLEASE ALSO NOTE THAT BEGINNING JANUARY 1, 2014, INTERNATIONAL STUDENTS AND SCHOLARS (INCLUDING THOSE ON OPT AND DEPENDENTS) WHO ARE "RESIDENTS" FOR TAX PURPOSES ARE REQUIRED TO HAVE HEALTH INSURANCE BY FEDERAL LAW KNOWN AS THE AFFORDABLE CARE ACT AND WILL BE REQUIRED TO PROVIDE PROOF OF COVERAGE ON THEIR 2014 TAX RETURNS OR PAY A PENALTY.
2013-2014 Health Insurance Costs
$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.
$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 $857 for Spring 2014.
3) Get a receipt for payment from Cashier's Office and drop it off to 261 MSC by Friday, February 14, 2014.
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.
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 or you can complete the enrollment online at www.aetnastudenthealth.com . 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 or enrolling online at www.aetnastudenthealth.com . 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.)
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.
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 with an approved insurance waiver that is still valid from a previous semester and students not in F-1 or J-1 status.
Students in immigration status other than F-1 or J-1 can purchase the health insurance offered through the university if they so choose. Students can also request coverage for their spouse and children. Such request must be made in writing by the end of the fourth week of classes. For Spring 2014, this is: Friday February 14, 2013.
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 Spring 2014, this is Friday, January 31, 2014. Please note that completion of a waiver application 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. For Spring 2014, this is Monday, February 14, 2014.
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 Spring 2014, this is Friday, February 14, 2014.
Health insurance payments must be made separately from other payments to the university. For Spring 2014 the premium amount is: $857. This exact amount must be paid in the cashier's office by the deadline noted above.
Optical and Dental
This health insurance policy does not cover optical or dental. There is a vision discount program provided at no cost to students enrolled in the Aetna health insurance plan. An optical Vital Savings Dental program is available to students for $25 per year. Students can enroll at www.aetnastudenthealth.com You do not need to be enrolled in the health insurance plan to purchase this optional discount program. Discount programs are not insurance.
Students enrolled in Aetna insurance also have access to travel assistance through On Call International. This is not insurance so students must call On Call International directly for service. ID cards and additional information are available at www.aetnastudenthealth.com .
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.
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. If you need quick medical advice in a non-emergency situation, you can contact Aetna's Informed Health Line to speak with a registered nurse at: 1-800-556-1555.
- Go to University Health Services, located in 125 MSC, to see a nurse. The medical consultation is free, although some services (such as lab work) will incur fees. They will give you a referral form if you need to see a doctor or go to the hospital.
- If you are referred to see a doctor, this policy does have a list of preferred health care providers. Use the Aetna network website website to look for a doctor or health care facility that is on the Aetna network.
- Take your insurance card and policy brochure to the doctor visit.
If you use an Aetna network doctor, s/he should submit your claim directly to Aetna Student Health. But if the doctor does not, you will need to complete and submit to Aetna Student Health a claim form found at www.aetnastudenthealth.com under "Help and Forms".
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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