2012/13 (effective Fall 2012)

Coverage Highlights

  • $1,000,000 per accident or illness
  • 100% coverage up to $5000 (after the deductible)
  • 80% coverage from $5,001 to $40,000
  • 100% coverage from $40,001 to $250,000

Note: These are percentages of reasonable and customary cost, which are the amounts that the insurance company will cover if it pays for services. You will ultimately receive services at the least cost, especially when totals might exceed $5000, by going to a Preferred Provider doctor or hospital.

  • Annual $50 Deductible per covered injury or sickness.
  • 90% coverage for prescription drugs (excludes birth control, acne medicines).
  • Costs of pregnancy and childbirth covered (limited coverage if pregnancy began before enrollment).
  • Both inpatient and outpatient coverage (for example: hospital room and board, physician's fees, laboratory test, x-rays, ambulance, etc.)
  • Some coverage for mental health problems and drug or alcohol abuse
  • TB screening
  • Medical evacuation and repatriation coverage
  • Routine eye exam once per policy year at University Health Services

Current Rates

The monthly premium rate for September 1, 2012 to August 31, 2013 is $99.00. Students/scholars enrolled in the plan for part or all of a calendar month will be billed for the entire calendar month, as the monthly premium cannot be pro-rated (2012-13 University of Michigan International Plan, Health Insurance Plan Brochure).

Table 1 Monthly Insurance Premium Rates

 Coverage                                                                               

Monthly Rates*

Student/Scholar

$99

Student/Scholar and One Dependent

$366

Student/Scholar and Two or More Dependents

$633

* The monthly rates include a University Administrative Fee.


Students
enrolled in classes for the Fall 2012 semester will be assessed twice a year for coverage up to August 31st.  See Tables 2 & 3 Insurance Coverage Periods and Premium.  New students enrolled in classes for the winter, spring, or summer semesters of 2013 will be billed once a year for coverage up to August 31, 2013.  Those on OPT (Optional Practical Training) will be assessed only once a year for the full duration of their OPT.

Scholars will be assessed per month for their coverage.  See Table 1 Monthly Insurance Premium Rates.  Scholars will be given an invoice for their health insurance when they check-in with the Office of International Affairs at the time of arrival.

Table 2 Insurance Coverage Periods and Premiums for Students/Scholars

Semester Billed

Coverage Period

Coverage

Premiums

Fall 2012

6 months

September 1st February 28th

Student/Scholar

$594.00

Winter 2013

6 months

March 1st August 31st

Student/Scholar

$594.00

Summer I 2013

4 months

May1st August 31st

Student/Scholar

$396.00

Summer II 2013

2 months

July 1st - August 31st

Student Scholar

$198.00

Table 3 Insurance Coverage Periods and Premiums for Students/Scholars with Dependents

Semester Billed

Coverage Period

Coverage

Premiums

Fall 2012

6 months

September 1st February 28th

Student/Scholar plus one dependent

$2,196.00

Student/Scholar plus two or more dependents

$3,798.00

Winter 2013

6 months

March 1st August 31st

Student/Scholar plus one dependent

$2,196.00

Student/Scholar plus two or more dependents

$3,798.00

Summer I 2013

4 months

May 1st August 31st

Student/Scholar plus one dependent

$1,464.00

Student/Scholar plus two or more dependents

$2,532.00

Summer II 2013

2 months

July 1 - August 31st

Student/Scholar plus one dependent

$732.00

Student/Scholar plus two or more dependents

$1,266.00

 

Last reviewed: 08/12