The حوإ¼½م½م requires international students in F and J immigration status to have medical insurance coverage. Charges for the University's insurance plan are automatically placed on students' bills each term.
Students enrolled in the حوإ¼½م½م health insurance plan can find more information at . Plan documents can be downloaded by clicking on "Certificates and Flyers" on the insurance page. Because the insurance is a Preferred Provider Organization (PPO), students need to consult the list of participating providers prior to making an appointment or seeking medical care with a physician, hospital, or other provider. To do so, follow the link above to the insurance plan and click on "Find a Doctor."
Resources
Students with their own coverage equivalent to the University's policy may request a waiver of the insurance fee.
Dates of health insurance coverage must cover students for the same time period as the حوإ¼½م½م policy, 08/11/2024-01/07/2025 for Fall, 01/08/2025-05/31/2025 for Spring, and 06/01/2025-08/10/2025 for Summer. Students are recommended to maintain continuous health insurance coverage throughout their studies.
Health Insurance Requirements
| Visa Status |
Medical/Accident Coverage* |
Repatriation Coverage (must cover pre-existing condition related deaths) |
Medical Evacuation Coverage | Maximum Deductible** | U.S. Based Claims Office |
| F-1/F-2 | $100,000 per accident/illness | $25,000 | $50,000 | $100 in network | Required |
| J-1/J-2 | $100,000 per accident/illness | $25,000 | $50,000 | $100 in network | Required |
*Medical/Accident Coverage must include:
- Emergency and non-emergency care (no emergency only policies will be accepted).
- Maternity coverage must be paid as any other health condition.
- The insurance policy is underwritten by an insurance company 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, or backed by the full faith and credit of the government of the exchange visitor's home country.
- Must cover pre-existing conditions after a waiting period of 6 months or less with coverage of at least $1,000.
- Must cover medically necessary diagnostic x-ray services, laboratory procedures, and tests.
- The insurance company must have a physical location and contact person in the United States, Canada, or Mexico.
** Maximum Deductible:
- For multiple party plans, the maximum deductible is $100 in-network and $500 out-of-network per person per accident or illness.
PLEASE NOTE: The Insurance Coverage Evaluation form requires your insurance provider to indicate “Yes†or “No†for coverage on each requirement. If any requirement is marked “Noâ€, except for repatriation and/or medical evacuation, the حوإ¼½م½م health insurance charge will not be waived.
Please do not purchase a policy until the insurance company confirms the coverage meets all حوإ¼½م½م requirements and that they will complete the form to verify coverage.
حوإ¼½م½م insurance requirements are based on federal regulations and are subject to change.
Individuals whose insurance policies do not cover repatriation and/or medical evacuation must attach documentation of a separate policy providing this coverage in order to be approved for a waiver of the حوإ¼½م½م insurance charge.
Waivers
International students in F-1 status with private insurance should send the form below to the insurance company for completion. The form must be signed by the student and submitted by email to oiss@uno.edu. The deadline to request a waiver for Spring 2025 is 4:30 p.m. on Friday, January 17th. Late requests will not be accepted.
International students in J-1 status with private insurance should send the form below to the insurance company for completion. The form must be signed by the student and submitted by email to oiss@uno.edu . The deadline to request a waiver for Spring 2025 is 4:30 p.m. on Friday, January 17th. Late forms will not be accepted.