Health Insurance

Please use the following resources and information regarding Eastern Michigan University's student health insurance. All F-1 and J-1 students are required to have health insurance throughout the duration of their program. For detailed information about the student insurance plan, please go to the Student Health Insurance webpage. 

Students will see the insurance charges added to their e-Bill for the fall and winter semesters (summer insurance charges are added in winter). 

If you are in a medical emergency, dial 911. 

  • How to Access Your Insurance Card Expand dropdown

    Step 1: Go to the Student Insurance Website and select United HealthCare Student Resources (Policy #2025-1437-1).

    Step 2: Select the appropriate policy year from the drop-down menu. Click Login to My Account (top right of page). Login or register for account. 

    Step 3: Select ID Card from the menu. 

    Step 4: Select Register Now on the UnitedHealthcare Student Resources page.

    Step 5: On the registration page, enter your first name and last name exactly as it is spelled on your I-20, and add your date of birth in the month-day-year format (example  01/11/2001). Select Student ID, and enter your 9-digit Eastern ID Number (E0#######). Click Continue. 

    Once you have an account, you will be able to download and save or print the card. We suggest keeping a photo of the card on your phone for easy access. 

  • Common Insurance Terms and Definitions  Expand dropdown
    • Preferred Providers (In-Network Providers): Health care providers who have contracted to provide specific medical care at a negotiated price
    • Out of Network: Providers who have not agreed to any prearranged fee schedules. May incur significant out-of-pocket expenses
    • Co-Pay: Standard charge(s) for office visits and prescriptions
    • Deductible: The amount you pay out of your own pocket before the insurance will pick up any of the costs of healthcare
    • Out-of-Pocket: The portion of the charges you are responsible for after the deductible and co-pays are met
    • Exclusions and Limitations: Conditions or services not covered by the health plan, i.e., elective surgery, experimental procedures. procedures are not medically necessary
  • I-20 Dependent Insurance Expand dropdown
    F-2 dependents are not eligible for EMU's student insurance plan. Students who have brought their spouse and/or children with them as F-2 dependents will need to find health insurance for their dependents through alternative means. 
  • Important Health and Wellness Contacts Expand dropdown