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.

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.

2020-2021 Insurance Rates

‌Additional information and forms:

Insurance Enrollment Procedures

Missouri S&T medical insurance is REQUIRED.  Students are automatically enrolled during the 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 students 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 a 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.