COVID-19 Update - Contact Insurance Services

Effective April 23, 2020 Missouri S&T staff members are working remotely.  Staff members are available to assist you with questions or concerns related to the Aetna health insurance for students and scholars, Monday - Friday, 8:00 am - 4:30 pm.

Rhonda Sherman, International Health, Risk Assessment, and Insurance Advisor can be contacted at

  • 573-341-6875 (Phone is forwarded to a staff member who can take a message)

If you would like to schedule a Zoom meeting, please send an email to with your request.

COVID-19 Update - Updates from Aetna

Aetna is now offering extra benefits.     Effective immediately, Aetna members will have access to the following resources:

  • Aetna will waive co-pays for all diagnostic testing related to COVID-19. This policy will cover the cost of physician-ordered testing for patients who meet CDC guidelines, which can be done in any approved laboratory location. Aetna will waive the member costs associated with diagnostic testing at any authorized location for all Commercial, Medicare and Medicaid lines of business.
  • For the next 90 days, until June 4, 2020, Aetna will offer zero co-pay telemedicine visits – for any reason. Aetna members should use telemedicine as their first line of defense in order to limit potential exposure in physician offices. Cost sharing will be waived for all virtual visits through Aetna-covered Teladoc® offerings and in-network providers delivering synchronous virtual care (live video-conferencing) for all Commercial plan designs.

  • Aetna is offering 90-day maintenance medication prescriptions for insured members.

  • Aetna is also waiving early refill limits on 30-day prescription maintenance medications for all members with pharmacy benefits administered through CVS Caremark.

  • Through Aetna’s Healing Better program, members who are diagnosed with COVID-19 will receive a care package containing CVS items to help relieve symptoms. The package will also include personal and household cleaning supplies to help keep others in the home protected from potential exposure.

  • Through existing care management programs, Aetna will proactively reach out to members most at-risk for COVID-19. Care managers will walk members through what they can do to protect themselves, where to get information on the virus, and where to go to get tested.

Visit Aetna's webpage for details.

Health Insurance

For International Students and Visiting Scholars

Due to the high costs and complexity of the American health care system, it is very important that international students and scholars have comprehensive health insurance coverage during their studies in the United States. To better understand the U.S.Healthcare System, we recommend that students view the Overview of the US Healthcare System for International Students.

The University’s insurance plan covers or exceeds all typical insurance options outlined by the U.S. Government as requirements for foreign students and scholars. Failure to purchase and maintain health insurance may result in the termination of your immigration status held.

F-1 and J-1 student visa holders are REQUIRED to purchase insurance through the University of Missouri / Missouri S&T as a part of the enrollment and registration process each term.  F-2 dependents enrolled in classes at the Applied Language Institute and/or Missouri S&T are also required to purchase insurance through University of Missouri / Missouri S&T.   The student is billed automatically upon registration for classes. 

J-1 scholars and J-2 dependents are also REQUIRED to meet insurance coverage requirements for the duration of their stay in the United States.  J-1 scholars are required to complete a J-1 Department of State Mandatory Insurance Certification form that acknowledges the scholar understands the health insurance requirements described below:

    • Medical benefits of a least U.S. $100,000 USD per person per accident or illness.
    • Repatriation of remains in the amount of $25,000 USD.
    • Expenses associated with medical evacuation in the amount of $50,000 USD.
    • A policy secured to fulfill the insurance requirements shall not have a deductible that exceeds $500 USD per accident or illness

F-1 Students on Optional Practical Training (OPT) and dependents of F-1 students may purchase this health insurance coverage if they choose.

2019 - 2020 Insurance Rates

‌Additional information and forms:


Insurance Enrollment Procedures

Missouri S&T medical insurance is REQUIRED.  Students are automatically enrolled during registration of classes and charges are billed to the student’s account. Charges will be applied to the student's account within a week of registering for classes.

Scholars must complete an enrollment form and provide payment information to pay the insurance company directly.  Scholars may pick up an enrollment form in our office.  Please note:  health insurance will not come into effect until after Aetna Student Health has received your enrollment form; plan accordingly.

You may purchase health insurance if you so choose.  You are responsible for completing an enrollment form and faxing the form to 573-341-6031 along with payment. Please note: the health insurance will not come into effect until after Aetna Student Health has received your enrollment form; plan accordingly.

If you have any Questions, please contact the Insurance Advisor at

It is strongly encouraged that dependents (those on F-2 visas) enroll in Aetna Student Health Insurance plan, but this is not a requirement if the dependent is not enrolled in Missouri S&T courses. J-2 dependents must be covered by health insurance per immigration requirements. Dependents that are enrolled in courses at Missouri S&T will be automatically charged for student health insurance. To purchase the Aetna Health Insurance Plan for your dependents, contact International Affairs Insurance Services by e-mail or by phone at 573-341-6875 or in person in 104 Norwood Hall. Dependents must enroll for the same period as the student or within 30 days of the date the dependent entered the United States.

General Policy, Procedure & Deadline Information

Due to significant differences between healthcare in the United States and other countries as well as federal regulations, the University of Missouri requires that all student in F-1 or J-1 visa status purchase health insurance through the university.  This policy covers students worldwide for accidents and illnesses while they are attending classes at Missouri S&T.  F-2 dependents who are enrolled in classes at Missouri S&T (both academic and IEP) are also required to enroll in the Missouri S&T student health insurance.

For students enrolled in academic classes, the appropriate insurance charges are automatically added to the student's account each semester that a student in F-1 or J-1 status enrolls in classes.  Charges are added after registration.  For students enrolled in the Applied Language Institute, enrollment requires the student to complete a form and provide a credit card number for payment.

OPT students and J-1 Scholars can purchase the health insurance offered through the university if they so choose.  Enrolled participants can also request coverage for their spouse and children.  Enrollment forms are available at International Affairs located in 104 Norwood Hall.

In limited situations, waivers may be granted to non-degree seeking students or students with government-sponsored health insurance.  All waiver requests must be completed by the end of the second week of classes.   Please note that completion of waivers application does not guarantee that a waiver will be granted.

Withdrawing from classes with not automatically cancel your insurance charges.  You will need to make a request, in writing, to have the insurance charges reversed.  The last date to request reversal of insurance charges is also the last date students can add courses for the semester.

Missouri S&T Medical Insurance does not cover eye or dental care.