International Health Insurance

You should enroll in the insurance plan as soon as possible. Insurance ID cards are available immediately upon enrollment through the student account (the only exception is if you are enrolling for the first time. Then you will need to create your student account and your cards will be available within 24 hours).

The UMF Student Health Center can verify your enrollment in the Student Health Insurance Plan and you can be seen and later present your 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.

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.

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 UMF International Insurance Plan for the full academic year. If you are an exchange student for only one semester at UMF, you can adjust the dates of your UMF 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.

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 UMF. Please remember that you get what you pay for. Be sure to read the entire plan before choosing it. It 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 insurance website (link provided above). If the request is approved, the charge for the health insurance plan will be removed from your UMF account.

Only exchange students enrolling at UMF 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.

Since the Office of Global Education 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.

During the enrollment period (dates TBD) you must fill out the enrollment request form (link to Gallagher 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. You must make sure that you have a Maine address entered on your Student Center in your MaineStreet account, as your card will be mailed to you.

Online full medical insurance policies (non-supplemental) for F-1 and J-1 students meeting the above requirements can be purchased at iNext: Select the Royal 100 plan or Compass Care Plus 100.

Online full medical insurance policies (non-supplemental) for J-1 scholars meeting the above requirements can be purchased at ISO: Select the J-1 Exchange or J-1 Exchange Superior plan.

No, only J-1 exchange students will be covered by the UMF international student health plan. Certain other exchange visitors may be covered by the UMS staff/faculty health plan. However, because that plan does not meet the minimum requirements listed above, you will also need to purchase supplemental insurance to meet the above Department of State requirements.  Visit International SOS and select the International SOS Visitor USA membership.

Exchange Visitors not covered by the UMF staff/faculty health plan will need to purchase full medical plans that include the Department of State minimum coverages. Full medical policies (non-supplemental) can be can be purchased at ISO: Select the J-1 Exchange or J-1 Exchange Superior plan.