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.
An independent insurance carrier administers the policy selected by the University of Missouri system. The current insurance carrier is Aetna. Your admission to study at Missouri S&T is contingent upon your purchase of this mandatory insurance policy. The insurance advisor in the Office of International and Cultural Affairs will enroll you in this plan automatically and provide assistance as needed during your time at Missouri S&T. For most students insurance premiums will be charged to your student account at the beginning of each enrollment period:
- August 1 – December 31
- January 1 – July 31
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.
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 the University of Missouri / Missouri S&T. For students enrolled in academic classes, the student is billed automatically upon registration for classes. Students enrolled full time at the Applied Language Institute enroll manually and payment is made by credit card.
J-1 scholars and J-2 dependents are also REQUIRED to meet the U.S. Department of State 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 and to provide proof of coverage:
- 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.
Scholars and their dependents are encouraged to purchase health insurance through Missouri S&T.
F-1 Students on Optional Practical Training (OPT) and dependents of F-1 students may purchase health insurance coverage through Missouri S&T if they choose.
Insurance Enrollment Procedures
General Policy, Procedure & Deadline Information