Beginning with Fall semester 2013, all international students must purchase the university sponsored health insurance plan--UnitedHealthcare StudentResources. This is a quality health plan with a reasonable premium. This policy has benefits including NO deductible and benefits are paid at 100% when care is rendered at Graham Health Center.
Complete your online enrollment
NOW. Please print your insurance card from the UHC-SR website after you have enrolled.
The details of the plan are at here
- Annual cost for the 2013-2014 school year is $1,557 and is non-refundable
- For students arriving for their first semester in the winter or spring term, the annual cost will be pro-rated (reduced)
- All international students will be automatically billed for the university sponsored health insurance plan
- It is important that you read and understand your policy
- Coverage under this plan is available for spouses and children and these rates can be obtained online at UHCSR when you enroll
Applying for a Health Insurance Waiver
If you have alternate equivalent insurance you may apply for an exemption through the waiver process.
Waiver application must be completed each fall or in the first weeks of your first semester
The waiver process will exempt you from purchasing the university sponsored health plan under two conditions only:
- You are insured by your government sponsored U.S. based health plan (Saudia Arabia, Kuwait, UAE, Iraq, Amideast, Oman)
- You are covered under a U.S. employer based health plan as a dependent of your parent or spouse. In this case, you must purchase the medical evacuation and repatriation plan separately ($75).
Policies that do not meet one of the two conditions above will not be accepted as adequate insurance coverage.
After you apply for a waiver you will be instructed to bring a copy of your insurance policy with the schedule of benefits to the International Students and Scholars Office (ISSO) at 157 North Foundation Hall.
If Medical Evacuation & Repatriation (ME&R) are not included in the approved waiver policy, an additional Global Emergency Medical Assistance provided by FrontierMEDEX (from August to August) must be purchased for $75 through United Health Care. You must enroll in person at the ISSO.
Please be advised no other plans including your home country’s government sponsored health plan will be accepted, nor will plans like PSI or ISO.
Health Insurance for J-1 Scholar
- J-1 scholars must enroll in UHCSR health insurance in person at the International Students and Scholars office (157 North Foundation Hall) during check in with their international advisor
- J-1 scholars that are staying at least 6 months and are paid by Oakland University will be enrolled in Priority Health insurance after the first 30 days
Health Insurance Options for F-2 or J-2 (dependents)
All F-2 dependents are strongly recommended by Oakland University ISSO staff to carry health insurance at all times. Serious accident and illness that may occur when a person is uninsured can result in many problems receiving adequate care and paying the extremely high costs of American health treatment..
All J-2 (dependents) are required by U.S. federal law to carry health insurance at all times. The minimum J-2 health insurance requirements are
- Medical benefits of at least $50,000 per accident or illness
- Medical evacuation must be covered in the amount of $10,000 minimum
- Repatriation must be covered in the amount of $7,500, minimum
- Deductible must not exceed $500 per accident or injury
- Medical insurance must cover the entire period of time that the exchange visitor participates in the Exchange Visitor Program
Important Health Insurance Information
On March 23, 2010 The Affordable Care Act was signed into law. These reforms continue to affect Oakland University students.
The law requires individuals to have health insurance as of January 1, 2014.
Oakland University has been notified by UHCSR that the voluntary student health insurance program for domestic students will no longer be available beginning fall 2014.
Therefore domestic students need to be aware of these important dates.
March 31, 2014: Last day to sign up for health insurance through the Health Insurance Marketplace (www.healthcare.gov). This will allow you to locate and compare plans including coverage, purchase price, deductibles and co-payments. You may qualify for assistance (subsidy) that will reduce the cost of the plan on the Marketplace.
May 2014: Last semester to enroll in voluntary student health insurance with UHCSR. This policy has benefits including NO deductible and benefits are paid at 100% when care is rendered at Graham Health Center. The details of the policy are available here. Enroll NOW at the UHC-SR website. Go to "Find My School's Plan" under "Direct LInks" on the right side. Please print your insurance card from the UHC-SR website after you have enrolled. Payment can be made with a credit card or eCheck. Once you have enrolled and received your ID card, log in into MyAccount for 24/7 access to your coverage and claims information.
August 25, 2014: Domestic students already enrolled in UHCSR insurance will qualify for a special 30 day enrollment on the Health Insurance Marketplace (www.healthcare.gov) when coverage ends.
For more information go to www.healthcare.gov
**These dates do not affect international students**
Please, always bring your insurance card with you
! A photocopy of the front and back is acceptable as well. We are able to bill the following insurances:
- UnitedHealthcare StudentResources (Oakland University student insurance)
- HAP Urgent Care (for short term illness such as flu, earache, cough, minor injuries etc.)
- BCBS Traditional
- BCBS Messa
- BCBS PPO
- PPOM / Cofinity
- Priority Health
- Priority Health HMO
- United Health Care Choice Plus
- UnitedHealth Care PPO Options
- Some Medicaid plans accepted (Please call GHC for verification)
Also, many other private insurances are accepted.
If proof of insurance is not available at the time of service, payment is required. However, you may submit the receipt to your insurance company for reimbursement. We can not refund your cash payment and bill your insurance company at a later date.
Depending on your coverage, many laboratory services (throat cultures, blood tests) can be billed directly through participating laboratories.
Please contact your insurance company to verify benefits.
Please bring your insurance card with you, or a copy of the front and back of your parent’s card. We work very hard to keep your out-of-pocket expenses to a minimum but we can not guarantee insurance coverage/payment.
The primary purpose of student health insurance is to keep students in school so they can graduate and realize their professional and career dreams. StudentResources’ student health plans are custom designed to meet the needs of our client schools and their students and most plans are tailored around a school’s Student Health Center.
Before you waive your student out of the student health insurance plan, you may want to consider whether your current employer-provided insurance adequately covers your student.
Why Student Health Insurance May Cost Less
- If your student is attending an out-of-state school, your employer provided PPO may consider the health care providers in that state out of network, which will increase your out-of-pocket costs. An HMO plan may consider those same providers as being out of their service area.
Student health insurance often is less expensive than traditional health insurance programs for reasons that include:
- Many Student Health Centers provide deep discounts if care is provided on campus. For this reason, student health insurance plans don’t need to be as comprehensive as traditional plans.
- When students complete their education, they are no longer eligible for student health insurance, which means that most participants are only enrolled for a limited, relatively short period of time. Actuaries point out that the longer a person stays enrolled in a particular health insurance pool, the more health care he or she will require.
- College students are younger and typically healthier than the general population, resulting in reduced risk for the insurer. Insurance rates typically reflect that reduced risk.
The advantages of student health insurance make them an affordable, quality alternative to more expensive, more comprehensive traditional plans.
The Young Invincibles, a national advocacy organization for young Americans between the ages of 18 and 34, provides a free online information toolkit to give students and families valuable information about health care coverage. Their Getting Covered website explains insurance options for students in every state and provides other resources for graduating young adults.
We have provided links to PDFs of some of those resources below:
Office Charges for the most common services at GHC
| Office Visit
| Varicella Titer (chicken pox)
| Varicella & MMR Titer
| MMR Titer
| Hepatitis B Titer
| Hepatitis B injection
| $70.00 each x 3
| MMR injection
| $70.00 each x 2
|| $160.00 each x 3
| Meningitis vaccine
| Drug Screen
| Pap Smear
| Pregnancy test (urine)
| Plan B (Emergency Contraception)
| Sexually Transmitted Infections
| HIV (rapid test)
For medication and lab charges please call Graham Heath Center at 248-370-2341