Health Insurance

As an F-1 or J-1 international student, you are required to purchase the university-sponsored health insurance plan, UnitedHealthcare (UHC) Student Resources. For 2024-25, the Student Health Insurance Plan costs $2,088 annually.

Do not purchase health insurance in your home country to meet the Oakland University health insurance standards, which are compliant with the United States Federal Health Care Reform Law known as the Patient Protection and Affordable Care Act (PPACA). There are only a very limited set of circumstances that will allow you to waive out (see below).

UnitedHealthcare offers a quality health plan with a reasonable premium. This policy has benefits including no deductible and benefits paid at 100 percent when care is received at Graham Health Center. Services outside of Graham Health Center have a $500 deductible for any care; however, additional deductibles may apply. 

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• Students can only be billed in semesters or annual coverage. Monthly coverage is not permitted for degree seeking students.
• Scholars and short term students are eligible for monthly billing.
• Waiver requests must be received by the ISSO by the portal closing date for that semester. No late waiver requests will be considered. If a late waiver request is received, the waiver will be kept on file and eligible for consideration during the next portal open period.
• Full annual coverage is required for all students unless proof of graduation in fall or winter semester is received by the ISSO by the portal closing date. 
• J-1 exchange students are required to enroll in person at the ISSO office within five days of the semester start date in which they begin academic study.
• From the 2020-21 academic year onward, students on OPT or OPT STEM through Oakland University are eligible to enroll themselves and their dependents in our insurance plan.

Healthcare Plan Details 2024-25

Enroll now United Health Care 

J-1 scholars are required to purchase the UnitedHealthcare plan for the entirety of their stay at Oakland University. During your orientation with the ISSO, your international adviser will go over the UnitedHealthcare plan, and help you enroll for the remainder of your stay.

We will accept alternative coverage for J-2 dependents, if the scholar wishes to enroll dependents in another plan. All J-2 dependents are required by United States federal law to carry health insurance at all times. The minimum J-2 health insurance requirements are:

• Medical benefits of at least $100,000 per accident or illness.
• Repatriation of remains in the amount of $25,000.
• Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000.
• A deductible not to exceed $500 per accident or illness.

J-1 scholars must provide proof of insurance for all J-2 dependents meeting the specified insurance requirements within five days of arrival.

If you have insurance through a Fulbright or Amideast program, or if you have Oakland University employee insurance as part of your employment on campus, please email Joanne Tarling ([email protected]) with regards to waiving UnitedHealthcare insurance.

After you have enrolled in our university-sponsored UnitedHealthcare plan you will want to setup your health insurance account, where you can:

• Print an ID card or request an ID card
• Check claim status 
• Update personal information
• Look up a network provider     

Please review this flyer to explain how to create an account with United Healthcare.

If you receive an error message, please email [email protected].