Health Insurance

All F-1 and J-1 students and their dependents in the US are required to have health insurance.   The University of Maine offers a comprehensive benefit plan.  We recommend that students choose this plan but students may waive the UMaine plan if they have an alternate plan that meets our criteria(criteria listed below).

Click here for information about the UMaine plan benefits.

Click here to enroll in or waive the UMaine plan.

Click here to learn more about health insurance and the US healthcare system.

Health Insurance Enrollment Options:

Enroll early in the UMaine plan:  if you have health care needs we recommend that you do early enrollment in the plan so that you can avoid paying out of pocket for doctor/hospital visits and prescription drugs.  You must be enrolled in at least 1 credit to early enroll.

Wait for auto-enrollment in UMaine plan:  on October 1 you will automatically be enrolled in the UMaine plan and it will be effective August 1 to July 31.  If you have healthcare expenses prior to October 1 you may file a claim with the insurance company.

Waive the UMaine insurance by submitting alternate plan information:  By October 1 you must submit the waiver request with information about your alternate plan.  No waiver requests will be accepted after October 1.  If you miss this deadline you will be charged for the UMaine plan.

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.

Cost for the UMaine insurance plan for the 2018-19 academic year:

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

 


  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 through the Cross Insurance website (link provided 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 Bursar’s Office: 581-1521 or umbursar@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.

When will I get my insurance ID cards?

During the enrollment period (mid-July through October 1) you must fill out the enrollment request form (link to Cross Insurance website provided above). Within 48 hours of submitting the form you will receive an email in your @maine.edu account with instructions on how to access your ID card.