Insurance

Your health is essential to achieving your goals at University of Maryland Baltimore County (UMBC). Access to health care and adequate health insurance is important to your health. Without adequate coverage, unexpected expenses could alter your future dramatically. That is why the university requires all students to have quality health insurance. This policy has proven to serve students well. It gives you, and your family, the peace of mind that comes from knowing you are well-insured.

Every year, every student is automatically charged for enrollment in the university sponsored Student Health Insurance Plan in order to ensure that students are able to receive the health care they might require. All new undergraduate students taking 6 or more credits must supply their health insurance information to University Health Services (UHS) through the link provided here: Aetna Insurance Waiver, before August 15 for domestic students and September 30 for international students. Students who do not complete the waiver to show proof of health insurance by this deadline will be automatically enrolled and billed for the Student Health Insurance Plan offered by University Health Services/Aetna Student Health. For additional information about the insurance requirement, please contact the insurance and billing department of University Health Services at 410-455-3221.

Our current policy is through Aetna Student Health. An overview of the 2016-2017 policy is available. The overview for the 2017-2018 policy will be available soon.

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 410-455-3221 to determine whether or not UHS participates with your plan.


DOMESTIC STUDENTS

To waive this requirement and receive a refund of the insurance charge, the student must complete an online waiver application and submit it by the deadline below. All policies will be audited by Student Health to ensure that they meet the requirements.

  • Coverage for both accident and sickness
  • A minimum benefit of $500,000 (U.S.) per accident or sickness per policy year
  • Prescription drug benefit
  • Benefits for comprehensive reproductive health care, including contraception and maternity care, to be covered the same as for any illness
  • Benefits for in-patient care of mental and nervous disorders, alcohol and substance abuse treatment payable on the same basis as any other sickness; benefits for outpatient mental and nervous care payable as per Maryland mandated benefits.
  • No exclusions or limitations for injury sustained as a result of a covered motor vehicle accident, or for alcohol or drug-related illness or injury
  • Hospital room/board covered at the semi-private room rate with no maximum daily limit
  • No maximum daily limit on intensive care services, outpatient diagnostic and lab tests\
  • Proof of payment for the full academic year (September through May); exceptions will be made for students entering or graduating mid-year

Waiver applications must be filed the student's FIRST TERM AT UMBC and again EVERY FALL TERM by the established deadline (Feb. 15 for spring term, June 15 for summer, August 15 for fall term). Waivers submitted after the deadline will not be considered and insurance fees will not be refunded.


INTERNATIONAL STUDENTS

All International Students on F or J visas or other non-employment-related visas are REQUIRED to have a health insurance policy while they are in the U.S. that meets the university's minimum standards. International students will be automatically enrolled in the UMBC-sponsored student health insurance plan (Aetna Student Health) when they enroll at UMBC. The cost of the insurance will be charged to their university tuition account.

To waive this requirement and receive a refund of the insurance charge, the student must complete a waiver application and submit it by the deadline below with proof of an alternative insurance policy that meets the following minimum standards:

  • Student must have a domestic policy
  • Coverage for both accident and sickness
  • Coverage for pre-existing conditions or have a plan that has been in force long enough so that any waiting time for coverage of pre-existing conditions has been met.
  • A minimum benefit of $500,000 (U.S.) per accident or sickness per policy year
  • A $5,000 (U.S.) maximum out-of-pocket expense per policy year (i.e. insurance will pay 100% of covered costs after insured has paid $5,000)
  • A $500.00 (U.S.) maximum deductible per policy year, credited towards the yearly out-of-pocket maximum of $5,000 above
  • Prescription drug benefit of at least $10,000 per policy year
  • Benefits for comprehensive reproductive health care, including contraception and maternity care, to be covered the same as for any illness
  • Benefits for in-patient care of mental and nervous disorders, alcohol and substance abuse treatment payable on the same basis as any other sickness; benefits for outpatient mental and nervous care payable as per Maryland mandated benefits.
  • A $25,000 (US) minimum Medical Evacuation benefit (to return you to your country of residence if you are seriously ill)
  • $10,000 (US) minimum Repatriation benefit (in case of death, to return your remains to your country of residence)
  • No exclusions or limitations for injury sustained as a result of a covered motor vehicle accident, or for alcohol or drug-related illness or injury
  • Hospital room/board covered at the semi-private room rate with no maximum daily limit
  • No maximum daily limit on intensive care services, outpatient diagnostic and lab tests

Proof of payment for the full academic year (September through May); exceptions will be made for students entering or graduating mid-year Insurance Waivers

Waiver applications must be filed the student's FIRST TERM AT UMBC and again EVERY FALL TERM by the established deadline (Feb. 15 for spring term, September 30 for fall term). Waivers submitted after the deadline will not be considered and insurance fees will not be refunded. If no waiver application is filed, or the provided insurance does not meet these requirements, the student will be billed for the UMBC health insurance plan at the beginning of each semester that the student is enrolled at UMBC.

Insurance waiver instructions will be sent to each student when they are enrolled in the plan by email to their UMBC email accounts.