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Health Insurance

All UMBC students are strongly encouraged to carry health insurance since unexpected medical expenses could jeopardize your ability to complete your studies here at UMBC. UMBC sponsors a health insurance policy which is available to all UMBC students who are enrolled in 6 or more credit hours. Our current policy is through Aetna Student Health. Application can be found on this website. http://www.aetnastudenthealth.com/

Be sure to check with your insurance company to find out whether or not they will cover services provided at UHS. We are a participating provider with several insurance companies. Please call our Insurance Specialist at 410-455-1556 to determine whether or not UHS participates with your plan.

INTERNATIONAL STUDENTS who have F-1 or J-1 visas are REQUIRED to have health insurance that meets UMBC requirements. Those requirements are as follows:
  • 1. a minimum of $50,000 (US) coverage per accident or illness.
  • 2. a maximum $500 annually $50 per accident or illness that you must pay before the insurance pays. This is a deductible.
  • 3. a maximum of 12 months for which the insurance will not cover health problems that you had before buying the policy. This is a pre-existing condition.
  • 4. a minimum of $10,000 (US) for you return to your home country if you were to become very ill while studying at UMBC. This is medical evacuation.
  • 5. $7500 (US) to return your body to your home country if you were to die while you are in this country. This is repatriation.
International students' accounts will be billed for the UMBC health insurance plan at the beginning of each semester that you are enrolled at UMBC. If you have health insurance from another source that meets these requirements, you MUST submit proof of insurance coverage to UHS at the beginning of each semester. The documents that you submit must show dates of coverage and well as a description of coverage that can be compared to the above-listed requirements. Proof of insurance coverage must be submitted in ENGLISH. After receiving your insurance information, UHS will determine whether or not your policy meets our requirements. If it does, the insurance charges will be removed from your bill.

Please bring documentation of your policy coverage—in English - to the University Health Services office. The enrollment card is not sufficient if it does not specify the above coverage.

Please remember that having health insurance is very important in the U.S.A.-and a requirement for J-1 and F-1 Visa holders. An unexpected health problem can cause a student to have to divert education funds to health care costs.

You can call UHS at 410-455-2542 or e-mail them at uhs@umbc.edu if you have any questions, such the name of the current insurance provider. Visit the Unviersity Health Services Center at the following link:

http://www.umbc.edu/uhs/insurance.html

Please Note: If you are a Teaching Assistant, Research Assistant or Graduate Assistant, or if you are here on a Graduate Fellowship, your insurance will be part of your compensation package from the University, and you should not be billed for the UMBC policy.

Further information on this policy can obtained from the office of University Health Services.

International Education Services
224 Administration Bldg.
1000 Hilltop Circle
Baltimore, MD 21250
Tel: +1.410.455-2624
Fax: +1.410.455-1130
E-mail: ies@umbc.edu