University Health Service

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This page provides highlights of the 2016-17 plan and links for enrollment.  

Quick links:

To save money on health care, currently enrolled U-M students on the Ann Arbor campus should visit UHS first. See First, go to one of these Preferred Providers.

On this page:

Why buy this health insurance plan?

This plan was developed with student needs in mind:

  • It covers U-M students and their spouses, significant others and dependents.
  • It provides a wide array of benefits, including prescription drug coverage.
  • It is sponsored by U-M in collaboration with Central Student Government (Ann Arbor campus).
  • It complies with the Affordable Care Act.
  • Coverage is comparable to a "gold" plan on insurance exchanges.
  • Participating health care providers are available throughout the U.S.

For Ann Arbor students: You should have health insurance to help cover products and services not covered by the health service fee. Health insurance is not required to receive care at UHS. Many UHS services are covered by the health service fee (part of tuition) when a student is enrolled for classes for the current semester on the Ann Arbor campus. See Who Can Use UHS? for information about eligibility to use UHS and Free or Fees for Students for coverage through the health service fee.

Who can enroll (eligibility)?

This plan is available (subject to verification) to:

U-M students enrolled in classes or between semesters (e.g. during spring/summer session) at the Ann Arbor, Dearborn or Flint campuses, including:

  • Graduate and doctoral students who are completing graduation requirements (writing thesis, preparing dissertation, studying for prelims, studying abroad on detatched study, pre-doctoral candidates, etc.)
  • International students, students with dual citizenship and visiting scholars who are not eligible for international insurance

Green card holders who meet the above qualifications

Eligible spouses, unmarried domestic partners of any gender and children (up to age 26) of all the groups listed above

A U-M student enrolled in the Plan who is on an approved medical leave of absence needs to have purchased the insurance prior to the event causing medical leave. Coverage for medical leave cannot extend beyond one Policy Year past the current year enrolled for classes.

After the enrollment deadline, only those students who have involuntarily lost health insurance coverage through a Qualifying Life Event are eligible to purchase the plan, limited to within 31 days after the Qualifying Life Event. 

First, go to one of these Preferred Providers to reduce your out-of-pocket expenses:

For members affiliated with U-M-Ann Arbor:

University Health Service: Currently enrolled U-M students on the Ann Arbor campus should visit UHS (207 Fletcher St) first to save money. Many UHS services are covered by the health service fee when a student is enrolled for classes for the current semester on the Ann Arbor campus.  See Who Can Use UHS? for eligibility to use UHS, Free or Fees for Students for what's covered, and Schedule an Appointment to arrange a visit.

U-M-Ann Arbor: East Ann Arbor Health Center: 
4260 Plymouth Road Ann Arbor, Phone 734-647-5670

Packard Health: 
3174 Packard Road, Ann Arbor, Phone 734-971-1073
501 N. Maple Road, Ann Arbor, Phone 734-926-4900

For members affiliated with U-M-Flint or U-M Dearborn:

  • Call Aetna at 800-242-3721, or go to the Aetna website, click Enter DocFind and follow instructions
  • Or contact UHS Managed Care/Student Insurance Office, 734-764-5182 or toll-free 866-368-0002 or email UHS-mancare-stuins@med.umich.edu 

How to find another Preferred Provider: 

Call Aetna at 800-242-3721, or go to the Aetna website , click on Find an Doctor, Hospital or Pharmacy and follow instructions.

Coverage periods, costs and payment:

2016-17 Policy Year
Coverage Period A. Annual
(See also Annual Installment Payments directly below)
B. Winter C. Spring/Summer
Effective Dates 8/24/16-8/23/17 1/1/17-8/23/17 5/1/17-8/23/17
Payment Deadline ​(end of open enrollment period) 9/24/16 1/31/17 5/31/17
Premium Cost:
Student only $5,094 $3,280 $1,605
Student + Adult $10,182 $6,556 $3,208
Student + 1 Child $10,182 $6,556 $3,208
Student + Adult + 1 Child $15,270 $9,832 $4,811
Student + 2 or more Children $5,270 $9,832 $4,811
Student + Adult + 2 or more Children $20,358 $13,108 $6,414

Annual Installment Payments: This is an annual plan for the entire policy year. You may elect the annual installment payment, which consists of three payments. Premium payments for Periods 2 and 3 will AUTOMATICALLY be charged to the same form of payment used for Period 1. An email notification will be sent 14 days prior to the next payment due date. If your credit card is denied, you will be given the opportunity to provide alternative payment details, but this must be received no later than the deadline as listed below. No late enrollment is allowed. Once Annual Installment Payments are chosen, there are no cancellations and no refunds other than described in (pending).

Premium Cost - Annual Installment Payments (2016-17 policy year):
  1st payment: 2nd payment: 3rd payment:
Effective Dates 8/24/16-1/31/17 2/1/17-5/31/17 6/1/17-8/23/17

Payment Deadline
(end of open enrollment period)

9/24/16 1/15/17 5/15/17
Costs:
Student only $2,246 $1,675 $1,173
Student + Adult $4,490 $3,348 $2,344
Student + Adult + 1 Child $4,490 $3,348 $2,344
Student + 1 Child $6,734 $5,021 $3,515
Student + 2 or more Children $6,734 $5,021 $3,515
Student + Adult + 2 or more Children $8,978 $6,694 $4,686

How to enroll or make payments:

Enrollment is only available during open enrollment periods. Note: eligibility for enrollment is subject to verification. To enroll online:

  1. Go to the Aetna website  and note these open enrollment deadlines: Annual 9/24/16, Winter 1/31/17, Spring/Summer 5/31/17
  2. You will receive enrollment confirmation via email. Processing pharmacy benefits may take 5 business days following Aetna Student Health's receipt of a complete enrollment form and appropriate premium payment. If you need a prescription filled immediately, contact UHS Managed Care/Student Insurance Office.

Plan benefits and exclusions (what this plan does not cover):

See:

Exclusion for Sanctioned Countries: If coverage provided by this policy violates or will violate any economic or trade sanctions, the coverage is immediately considered invalid. For example, Aetna companies cannot make payments for health care or other claims or services if it violates a financial sanction regulation. This includes sanctions related to a blocked person or a country under sanction by the United States, unless permitted under a written Office of Foreign Asset Control (OFAC) license. For more information, visit Sanction Programs and Information, US Department of the Treasury.

Student Health Insurance Committee (SHIC)

SHIC negotiates this insurance plan for students and addresses domestic student health insurance issues. See Student Health Insurance Committee for more information.

More information and applications:

Aetna Student Health policy #711146, 800-242-3721 (apply online)

UHS Managed Care/Student Insurance Office, 734-764-5182 or toll-free 866-368-0002 or email UHS-mancare-stuins@med.umich.edu

International Student and Scholar Health Insurance Plan