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Useful Links and Frequently Asked Questions

Useful Links

  • U-M Benefits Office
    If you are eligible for benefits paid for by the University of Michigan, or if you are awarded a U-M fellowship that includes GradCare health insurance, this link will help you learn more about your options and how to enroll in your plan.
  • Aetna Student Health
    Review medical bills, request replacement insurance cards, review your policy details, look for doctors, review your policy details, communicate with a customer service representative, submit claims, and do more by using this web site.
  • University Health Service
    The University Health Service (UHS) treats international students, scholars, and F-2/J-2 dependents age 10 or older for minor emergencies and non-emergency illnesses. If you are enrolled in the U-M International Student/Scholar Health Insurance (IHI), you pay $0 if you are treated or referred by UHS first.
    Map
  • Packard Health and Packard Health West
    Packard Health and Packard Health West serves scholars and F-2/J-2 dependents. Children under 10 years of age can receive physicals and immunizations here and get well-child care services at reduced rates. If you are enrolled in the U-M International Student/Scholar Health Insurance (IHI) and if you are treated or referred by Packard Health first, the deductible is reduced to $10.
  • East Ann Arbor Health Center General Pediatrics
    The Pediatric Primary Care Unit at the East Ann Arbor Health Center treats children under age 18. If you are enrolled in the U-M International Student/Scholar Health Insurance (IHI) and if you are treated or referred by the Pediatric Primary Care Unit at the East Ann Arbor Health Center first, the deductible is reduced to $10.
  • Counseling and Psychological Services
    The Counseling and Psychological Services provide confidential and culturally sensitive counseling services to enrolled students. They have specific resources to help international students with more relevant issues to them such as homesickness, adjusting to a new culture, academic pressures and classroom style, social interactions and making new friends, etc.
  • U-M Student Financial Services
    For questions regarding your health insurance bill payment options, and third party billing (such as billing your sponsoring organization directly instead of billing you), contact the U-M Student Financial Services at um-sfo@umich.edu or call 734.764.7447.
  • International Student Mandatory Check-In Session presentation and International Scholar Mandatory Check-In Session presentation
  • GSI, GSRA, and Fellowship Workshop
    Information for GSIs, GSRAs, and Fellowship Holders who will get health insurance (GradCare) from the University of Michigan is located here.
  • U-M International Student/Scholar Health Insurance (IHI) Plan Brochure
    The brochure contains all the IHI policy details such as rates, benefits and exclusions. The Plan Update Notice contains corrections and updates to the brochure.

Frequently Asked Questions

I haven't received my insurance card, what should I do?
You are still insured, whether or not you have a permanent card. The insurance company should send out "permanent", plastic insurance cards within 6 to 8 weeks of your new enrollment. Make sure to go to Wolverine Access to update your current address under Campus Personal Information. If you have not received your permanent card after 8 weeks, you can call the insurance company at 1.800.239.9697 to request a card and make sure they have your correct address on file (press "1", then "2" at the prompts to talk to a live person). Please review the section U-M International Student/Scholar Health Insurance (IHI) ID Card for more information. In the meantime, use your temporary certificate. It is just as good as the permanent card for receiving service.
I started/ended my insurance in the middle of the month. Why am I being charged for the whole month?
The minimum charge for insurance is one calendar month (for example, all of August, all of September). Your insurance charge cannot be prorated (charged for a partial month). So, if you are covered for any part of a month under this plan, you will have to pay for the whole month.
Where can I get my U-M International Student/Scholar Health Insurance (IHI) bill?
You are not going to get a bill in the mail for your IHI. Instead, you need to check your bill online every month. To see your bill, go to Wolverine Access. Click on Student Business, then log in using your uniqname and kerberos password. Under Campus Finances, click on Account Inquiry and you will see your bill. For payment options, see Making Payment on a Student Account
Why can't I see my bill on Wolverine Access?
If you attended mandatory check-in after the bills for the month have been generated, you will not see a charge. You will have to wait until next month for the next billing cycle. You will see two charges: one for the current month and another for the previous month that was not charged. You do not have to worry about late fees for the first month since there was no bill. If you have more questions regarding your bill, you can contact the U-M Student Financial Services
Why am I being charged twice?
If you attended mandatory check-in after the bills for the month have been generated, you will not see a charge. You will have to wait until next month for the next billing cycle. You will see two charges: one for the current month and another for the previous month that was not charged. You do not have to worry about late fees for the first month since there was no bill then. If you have more questions regarding your bill, you can contact the U-M Student Financial Services.
How do I enroll in University of Michigan benefits, such as GradCare?
If you are receiving benefits paid by your department, you can talk to your department administrator to find out your Benefit Group. Once you have that information, you can go to U-M Benefits Enrollment. You can also review the GradCare workshop presentation.
IMPORTANT: Remember to add your F-2 or J-2 dependents to your plan. Once you enroll, your IHI plan will be automatically cancelled. If for any reason your other University of Michigan health care benefit stops, you will automatically be put back on the IHI plan.
I received a bill from the hospital/doctor, what do I do? I paid for treatment at the hospital, how can I get my money back?
Sometimes, the hospital does not bill the insurance company. You might need to call the hospital or file a claim with the insurance company depending on your situation. Please refer to What to Do if You Get a Bill from the Hospital or Doctor for step-by-step instructions.
How do I get coverage abroad? Are there any problems if my bills are not in English?
Under the IHI plan, you get worldwide coverage. However, when you get treatment abroad, it is likely that you will have to pay for the treatment and then file a claim with Aetna Student Health. Please see Travel Outside the U.S. for instructions on how to proceed. You will need to keep copies of your doctor/hospital bills and send the original bills to Aetna Student Health Claims Administrator. Don't worry if your bills are not in English. Even if your bills are in a different language, the insurance company will translate them to evaluate your claim.

 

Last reviewed: 03/13