Health Insurance

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 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.
Coverage Plan Cost Effective Dates
Annual                   (12 month)  $2,437   August 1, 2016 – July 31, 2017
Fall Semester          (6 month)   $1,236   August 1, 2016 – February 1, 2017
Spring Semester    (6 month)  $1,236   January 1, 2017 – July 1, 2017
8 month  $1,623   December 1, 2016 – July 31, 2017
Summer  $614   May 1, 2017 – July 31, 2017

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.

Waiver Request form

Deadline to submit Waiver for Fall semester:  September 8, 2017

Early Enrollment form

pdf
Updated
11.29.16
pdf
Updated
11.29.16

  Frequently Asked Questions (FAQs)

 

 

 

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.

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

Returning students should request early enrollment by July 15 so that they can get their cards at the start of the insurance plan on August 1. Please submit the Early Enrollment for linked above.
Otherwise, as long as it is after the coverage start date of the plan that you are enrolled in you can get medical care. Some establishments (such as Cutler Health Center on the UMaine campus) issue a bill that you do not have to pay right away. Once your ID card arrives you can bring it back to that office and they will adjust the bill. However, other offices will require that you pay all of the expenses at the time of your visit. Then, after you are enrolled, you will have to contact the insurance company to discuss the reimbursement process.

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.