Student Insurance

We strongly encourage students to be covered by a health care plan. If you are looking for affordable coverage, Eastern Michigan University offers a comprehensive student insurance policy through United HealthCare Student Resources (Policy #2019-1437-1).

  • Quick Facts
    • The policy covers Sickness and Injury as well as preventive services, including an annual preventative visit and immunizations.
    • The policy provides coverage for birth control.
    • Students pay a $10 co-pay per visit for covered services at the IHA Health Center @ EMU, including office visits and lab tests.
    • The IHA Health Center @ EMU is the primary care provider and the Campus Medical Pharmacy is the primary pharmacy. To  access specialty care outside of the IHA Health Center @ EMU, the student will first need to make an appointment to obtain a referral from the IHA Health Center @ EMU.
    • The student will incur a $100 deductible for each injury or sickness when services are obtained outside of the IHA Health Center @ EMU. There is an out-of-pocket maximum of $1,250 per policy year (for in-network providers).
    • Prescriptions filled at the Campus Medical Pharmacy will have a $10 co-pay for generic drugs and a $20 co-pay for name brand drugs prescribed by an IHA Health Center @ EMU physician or by an outside physician when the student has a referral.
    • The policy provides coverage worldwide.
    • Medical evacuation and repatriation is provided by Scholastic Emergency Services, INC. Global Emergency Medical Assistance.

    If you have questions about Student Health Insurance, please visit the UnitedHealthcare Student Resources website, or call our office at 734.487.3048 or email us at

  • International Students FAQs
    • Am I required to have the EMU Insurance Policy? International students are required to have insurance while studying at EMU. Currently, you may be able to waive our policy if you have an acceptable/comparable insurance plan. Download the Student Insurance Waiver Form [PDF]NOTE: The Washtenaw County Health Plan does NOT meet the waiver requirements.
    • What do I need to do to be on the EMU Insurance Policy? As long as you are enrolled at EMU and a waiver was not approved you will automatically be billed for Student Insurance by semester on or about the first day of class.
    • What benefits are included on the EMU Insurance Policy? For benefits information, visit the UnitedHealthcare Student Resources website.
  • Policy Pricing
    • 2019-2020 (Sep 1, 2019 - Aug 31, 2020) = $1,779.00
    • Fall 2019 (Sep 1, 2019 - Dec 31, 2019) = $593.00
    • Winter 2020 (Jan 1, 2020- Apr 30, 2020) = $593.00
    • Summer 2020 (May 1, 2020 - Aug 31, 2020) = $593.00
    • Winter/Summer 2020 (Jan 1, 2020 - Aug 31, 2020) = $1,186.00*

    *If you are not taking classes during the Summer semester but want to maintain coverage, you must purchase the Winter and Summer semester together for a cost of $1,186.00. This is listed on the enrollment form as Winter/Summer. International students will be billed automatically for winter/summer during winter semester.

  • Purchasing Information

    You can purchase the policy in the following ways:

    • For Domestic Students you may purchase insurance directly from the UnitedHealthcare Student Resources website using a credit card, or
    • For other methods of payment including check or student e-bill; please bring a completed application [PDF] to the Student Insurance Office.
    • For international students on OPT, visiting scholars and dependents of international students please visit the Student Insurance Office to enroll in the insurance plan.
    • If you have questions please call our office at 734.487.3048 or email us at
    • Student Insurance Office Hours:
      • Mon: 1 p.m. to 3 p.m.
      • Tue: 10 a.m. to noon
      • Wed: 10 a.m. to noon
      • Thu: 1 p.m. to 3 p.m.
      • Fri: 10 a.m. to noon

    Last Date to Purchase by Coverage Period

    • Winter 2020 = Jan 30, 2020
    • Summer 2020 = May 30, 2020
    • Winter/Summer 2020 = Jan 30, 2020

    Note: You must meet the eligibility requirements as listed in the policy brochure in order to purchase the policy and maintain coverage. Undergraduate students must be registered for 12 credit hours. Graduate students must be registered for 6 credit hours.

    Please refer to the insurance policy and read the above Quick Facts. If you still have questions about Student Health Insurance, please visit the UnitedHealthcare Student Resources website, or email the Student Insurance Office at

  • Insurance Waiver Deadlines

    Submit your waiver application and documents to the Student Insurance Office before 3 p.m. on the deadline date. You may fax your documents to 734.481.0050 or scan and email to

    • Winter 2020: Jan 16, 2020
    • Summer 2020: May 14, 2020

    Download the Student Insurance Waiver Form [PDF].

  • Early Arrival Fee Waiver Deadlines

    Important deadlines are approaching to have EMU Student Insurance Fees removed from your student account.

    To have an early arrival fee removed you must present your airline ticket indicating that your arrival was:

    • Fall Semester: Arrived Sept 1 or later
    • Winter Semester: Arrived Jan 1 or later

    The deadlines to request early arrival fee removal are as follows:

    • Fall Semester: Sep 30
    • Winter Semester: Jan 31

    Submit documents at the Student Insurance Office in person or by fax (734.481.0050) or email ( by posted deadlines.