International Students are required by law to carry health insurance. There are no exceptions to this rule. Please plan to budget for health insurance when you come to UMBC. Health Insurance costs are included in the amount required when you provide proof of funding to get your I-20. UMBC automatically enrolls all international students in our comprehensive Health Care plan. Other US health care plans may be used but must meet certain standards. For more information on the coverage please visit the University Health Services (UHS) website at https://uhs.umbc.edu/insurance-billing/international-students/
Please note, health insurances from other countries may NOT be used!
International students at UMBC are enrolled automatically into UMBC’s student insurance plan (students with Graduate Assistantships will be enrolled with their departments). The bill for the insurance usually appears on your bill about a month after the semester begins, but the coverage is effective at the beginning of the semester, and often a week or two before that – please contact the UHS office at firstname.lastname@example.org or 410-455-2542 for the exact start and end dates of the insurance.
Health Insurance Waivers
All UMBC F-1 visa students will be automatically enrolled in UMBC’s student health plan, and will be automatically billed accordingly. If you have your own comparable insurance, you will need to work with UHS to get an exemption by completing a waiver form. Please visit their website for more information: https://uhs.umbc.edu/insurance-billing/international-students/
If you will use a different health insurance plan because it is less expensive, please be very careful when choosing a plan, as many less expensive plans have exclusions that will keep you from having the care you need in an emergency covered by the insurance. This means you could be responsible for the entire cost of the emergency health care, which is extraordinarily expensive in the US.
UMBC Immunization Requirements
UMBC requires all new students to prove they have had certain immunizations, to prevent the spread of dangerous diseases. If you have not had the required immunizations or do not have a record of this in English, you can receive the immunizations again once you arrive at UMBC. The UMBC Health Insurance plan covers most of the expense associated with the immunizations. For the complete list of requirements, and to access the form that all students must submit, please click here. Please note, students that have not submitted the required form will be blocked from registering for their second semester of classes.
US Health Care System
The health care system in the United States is quite complex. The U.S. Government does not provide health care for everyone as health care in the United States is privatized. Please view the following video for a brief overview of health care in the United States.