What's Covered, What's Not

The U-M Health Insurance Plan only covers you when you are sick, injured or pregnant. If you are sick or injured, the costs for the doctor, the hospital, lab tests, x-rays, etc will be covered. This plan does not include dental or vision care. A dental plan, called M-DENT, is available through the U-M School of Dentistry. For additional information on coverage, please read the U-M International Student/Scholar Health Insurance Plan brochure [PDF]. For questions about coverage, call the insurance company at 800.239.9697.

 This plan does not cover what we call preventive care. Preventive care includes your annual physical, annual visit to the gynecologist, routine tests or screening, check-ups for children, and immunizations. The insurance does pay for physical examinations and childhood immunizations for children up to five years old.

• Medical evacuation to your home country is covered, as well as repatriation. Medical evacuation occurs when you are too ill to complete your stay at the University of Michigan, and you must return to your home country. In this case, the medical costs of your return trip will be covered by the insurance company. Repatriation refers to the shipment of your body back to your home country in the event of your death. These charges will be covered to the reasonable and customary amount.
• This plan only covers the first $1000 of treatment for pre-existing conditions. So, if you have been treated for or diagnosed with a medical condition during the 6 months preceding your enrollment in this plan, the insurance company will pay a maximum of $1000 for the first 6 months of your coverage. After you have been enrolled in the plan for six months, these pre-existing conditions will be covered at the normal rates.
• The costs of pregnancy and childbirth are covered. However, if the pregnancy is a pre-existing condition (see above), coverage will be limited to $1000 until the individual has been enrolled for six months.

Last reviewed: 11/2007