Insurance Requirements

International Students Insurance Requirements

NMU Insurance Policy

NMU Insurance Brochure

Insurance Enrollment/Waiver Form    

Program participants and their dependents are required to have medical insurance coverage with the following minimum benefits [22 CFR 62.14].

  • Medical benefits of at least $100,000 per accident or illness
  • Repatriation of remains in the amount of $25,000
  • Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000
  • A deductible not to exceed $500 per accident or illness.

Sponsors are to require that their participants (and any dependents entering the United States as holders of a J-2 visa) have insurance in effect during the period of time they are in the sponsor's program. An insurance policy secured to meet the benefits requirements must be underwritten by an insurance corporation with an A.M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-I" or above, a Standard and Poor's Claims Paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of B+ or above. Alternatively, the sponsor may ascertain that the participant's policy is backed by the full faith and credit of the government of the exchange visitor's home country. For other options, see [22 CFR 62.14].

Program regulations also discuss coverage through HMOs and self-insurance of the above requirements by federal, state or local government agencies, state colleges and universities, and public community colleges, if permitted by law. Refer to [22 CFR 62.14] for additional information.

NMU Requirements:

  • Your plan must:
    • Cover care for inpatient and outpatient medical and mental health.
    • Have a United States billing address, claims phone number and contact person
    • Remain in force for the 2016-17 academic year (NOTE: Your insurance company may be contacted to confirm coverage).

You are required to provide the International Education Services Office proof of insurance upon arrival that meets the above requirements for your period of time in the United States.

NMU Enrollment/Appeal Process:

ALL APPEAL INFORMATION MUST BE SUBMITTED NO LATER THAN FRIDAY, JANUARY 20, 2017 AT 12:00 PM (NOON). 

You will automatically be enrolled in and billed for the NMU insurance plan, administered through GeoBlue, for the 2016-17 academic year (August 15, 2016 to May 15, 2017) upon your arrival at NMU.  If you begin at NMU in the winter semester, you will only be enrolled in insurance for the winter semester upon arrival.   

If you will be staying in the United States on your F1/J1 visa during the summer, you are required to inform the International Education Services Office and we will either enroll you in the NMU insurance plan or you can provide us with alternate insurance that meets all the NMU and immigration requirements.

Requesting coverage for less than the academic year must be made in the International Education Services Office by completing the NMU University Insurance Enrollment/Waiver Form

                a. Fall: 8-15-2016 to 12-15-2016 ($575.00)
                b. Winter: 12-15-2016 to 5-15-2017 ($718.75)
                c. Summer: 5-15-2016 to 8-14-2017 ($431.25)

How to Appeal the NMU Insurance:
ATTN NCAA ATHLETES:  If you decide to appeal the NMU insurance your athletic scholarship will be adjusted as the cost of insurance is included in your athletic scholarship. If you want to know how it will affect your scholarship, please contact the Athletic Department and/or Financial Aid Office.

You must provide the International Education Services Office (Angela Maki) with a copy of your own health insurance policy (this is usually 15-60 pages long and very detailed) that meets all NMU and Immigration requirement questions below AND completed the Insurance Enrollment/Waiver Form:

1. Does your plan cover care for inpatient and outpatient medical and mental health?
2. Does your plan provide coverage medical benefits of at least $100,000 per accident and illness?
3. Does your plan include a minimum of $25,000 for repatriation of remains and $50,000 for medical evaluation
4. Is your plan deductible per accident or illness less than or equal to $500 accident or $1000 per policy year?
5. Will your plan remain in force during the entire 2016-17 academic year? (Note: Your insurance company may be contacted on a periodic basis to confirm your continuous coverage).
6.  Provide your insurance plan’s United States billing address, claims phone number, contact person, policy number, policy begin and end date.

ALL APPEAL INFORMATION MUST BE SUBMITTED NO LATER THAN FRIDAY, JANUARY 20, 2017 AT 12:00 PM (NOON). 

If you have any questions, please feel free to contact Angela Maki at anmaki@nmu.edu.

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