Health Insurance

For the 2018-2019 academic year and beyond the International Student Health Insurance plan has been combined with the Graduate Student Health Insurance plan for teaching assistants and graduate assistants. The cost for the insurance plan increases every year. Because the number of insured people increased after the combination of the two plans we anticipate that the annual increase in cost will be less than it would have been if the two plans remained separate.

More information about the changes will be available by mid-July 2018. We will also send out an email to all students when the new information is available.

You are required to have health insurance for yourself  and your dependents (spouse and/or children) if they are in the US.

University of Maine Student/Scholar Medical Insurance Plan

Click here (link will be available when website has been updated) to visit the Cross Agency website for more information including the on-line plan brochure and information on who to contact for assistance.

The University of Maine International Student/Scholar Medical Insurance Plan is strongly recommended since it has been designed in collaboration with Student Health Services to meet your health care needs.

  • All international students are automatically enrolled in the UMaine International Insurance Plan for the full academic year.
  • Athletes with a scholarship must take the University of Maine insurance plan.

The costs for Academic Year 2018-2019 have not yet been finalized. We will provide an update as soon as this information is available.

Coverage Plan Cost Effective Dates
Annual                   (12 month)  $2,845 August 1, 2018 – July 31, 2019
Fall Semester          (6 month) $1,193 August 1, 2018 – December 31, 2018
Spring Semester    (6 month) $1,652 January 1, 2019 – July 31, 2019
Summer $475 June 1, 2019 – July 31, 2019

Minimum Required Levels of Coverage

  • Medical benefit of at least $100,000 per accident or illness;
  • $50,000 to cover expenses associated with the medical evacuation;
  • $25,000 for the repatriation of remains
  • The deductible cannot exceed $500 per accident or illness.
pdf
Updated
7.11.18

  Frequently Asked Questions (FAQs)

 

 

What if I need to use my insurance, but have not gotten my ID card?

Some doctor’s offices offer delayed billing. Which means that you can visit the doctor and then pay the bill at a later time. When your proof of insurance cards arrive you can bring them to the doctor’s office and they will remove any charges that are covered by the insurance plan.  Be sure to discuss your situation with someone in the doctor’s office before your visit. In some offices delayed billing is not available. In those cases you must pay the full price for your visit. After you receive your proof of insurance  cards, you can work with the insurance company to be reimbursed for the amount that should have been covered by the insurance plan.

If you need prescriptions you will have to pay the full price of the prescription. Then, after you receive your proof of insurance  cards, you can work with the insurance company to be reimbursed for the amount that should have been covered by the insurance plan.

If you do not have proof of insurance and have to pay full price but cannot afford it the Office of International Programs may be able to help. Send an email to international@maine.edu and explain your situation including information on what you have been charged and from where.

Students who were enrolled in the spring semester and who will return for the following fall semester can request early enrollment before July 15 and receive proof of insurance cards by August 1. Students who do not request early enrollment will not receive cards until late-September or early-October.  The Early Enrollment request form is available near the top of this page.

Why do I need to have health insurance?

American health care is very expensive and you must have appropriate insurance coverage.  If you fail to obtain health insurance to cover your medical costs you will be responsible for paying your medical bills in full.  Even simple medical procedures can amount to thousands of dollars.

Are exchange students required to have health insurance? And what is the process?

Yes. The US Government requires all exchange students to have minimum levels of coverage during their stay in the US. These requirements are listed above. All exchange students are enrolled automatically in the UMaine International Insurance Plan for the full academic year. If you are an exchange student for only one semester at UMaine, you can adjust the dates of your UMaine insurance coverage by submitting the Request for Coverage Form link at the top of this page.  Yearlong exchange students must have health insurance for the full year.

What if I have my own insurance?

Any alternate insurance plan must meet at least the Required Levels of Coverage listed above and the plan must be valid for the entire time that you will study at UMaine. Please remember that you get what you pay for. Be sure to read the entire plan before choosing it. If may not cover important items that you may need such as ambulance services.

Anyone wishing to use an alternate insurance plan should fill out the Insurance Waiver form linked above. If the request is approved, the charge for the health insurance plan will be removed within a few days. If the charge is not removed within 7 business days please contact the Office of International Programs at 581-3437 or international@maine.edu.

Can I have health insurance for only one semester?

Only exchange students enrolling at UMaine for one semester or students graduating in December can have health insurance coverage for less than one year. All other international students must have health insurance for the full year.  If you would like to request coverage please use the Request for Coverage Form link above.

How do I know if my plan meets the minimum coverage levels?

Since the Office of International Programs does not employ anyone who specializes in insurance we are unable to assist in reviewing and approving insurance plans. Any questions should be directed to the insurance company that administers the plan.

What do I need to do to be enrolled?

You must make sure that you have a Maine address entered on your Student Center on MaineStreet account.
FALL SEMESTER If you are enrolled as a full-time student (12+ undergraduate, 6+ master’s, 1+ PhD) you will be automatically enrolled in the 12-month plan.

SPRING SEMESTER: If you arrive in the spring semester and you wish to be enrolled in the health care plan you must complete and submit the Request for Coverage form linked above.

When will I get my card?

It takes about 2-3 weeks after enrollment for cards to arrive by mail. However, enrollment may not occur the day that you submit your request. Electronic copies of the ID card are available upon enrollment at the website linked below. Just click “ID Card Request” on the left-hand side of the screen.

http://www2.crossagency.com/2016-2017/umaineint.php

Where will my card be mailed to?

The card will be sent to the Maine address that is on your Student Center on MaineStreet.

 

How do I insure my dependents?

Your spouse and children qualify for coverage as long as you are also enrolled in the International Student Health Insurance plan. You will need to fill out the Dependent Enrollment form linked above and then submit payment in full to the Bursar’s Office. If you are sponsored by another organization (e.g., SACM) your dependents will not be enrolled until payment is received from the sponsor.