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U-M International Student/Scholar Health Insurance (IHI) Plan Coverage and Rates

The following is a list of current coverage highlights and rates. For complete information on this insurance plan, refer to the U-M International Student/Scholar Health Insurance Plan Brochure. and to the Plan Update Notice

Coverage Highlights

100% coverage up to $5000 (after the deductible)
80% coverage from $5,001 to $40,000
100% coverage from $40,001 and above

Note: The insurance company will pay these percentages of reasonable and customary costs. You will receive services at the lowest cost by going to a doctor or hospital in the Aetna Network, such as the University of Michigan Health System. You can find other doctors and hospitals in the network on the Aetna web site.

Deductibles (the minimum amount of money that you have to pay)

If you are:	And you are first treated or referred by:	Deductible:
International student	University Health Service Any other doctor/hospital or Emergency Room	$0 $50
Scholar	University Health Service Packard Health Packard Health West Any other doctor/hospital or Emergency Room	$0 $10 $10 $50
Spouses and Dependents age 10 or older	University Health Service Packard Health Packard Health West Pediatric Primary Care at East Ann Arbor Health Center (for children under age 18) Any other doctor/hospital or Emergency Room	$0 $10 $10 $10 $50
Dependents under age 10 (they cannot visit University Health Service)	Packard Health Packard Health West Pediatric Primary Care at East Ann Arbor Health Center Any other doctor/hospital or Emergency Room	$10 $10 $10 $50

Routine check-ups, including vaccinations and immunizations
90% coverage for prescription drugs (excludes acne medications).
Costs of pregnancy and childbirth are covered.
Both inpatient and outpatient coverage (for example: hospital room and board, physician's fees, laboratory test, x-rays, ambulance, etc.)
Some coverage for mental health problems and drug or alcohol abuse
Routine eye exam once per policy year at University Health Service for $15. Visit UHS Eye Clinic for clinic hours and information about the eye exam.
Tuberculosis (TB) screening: To find out if you need to be tested for TB, or to schedule an appointment, visit UHS International Mandatory Tuberculosis Screening.
Medical evacuation and repatriation coverage

Current Rates

Your monthly insurance bill can be seen at Wolverine Access >Student Business >Campus Finances >Account Inquiry. You will not receive a paper bill in the mail. Charges cannot be pro-rated. This means that if you have this insurance for any part of the month, you will be charged for the entire month.

Insurance rates change every year on September 1. Rates usually increase; a decrease is rare. The current rates are listed below.

Insurance Premiums for 9/1/2012 - 8/31/2013

	Monthly	Annually
Student or Scholar	$99	$1,188
Student or Scholar and One Dependent	$366	$4,392
Student or Scholar and two or more Dependents	$633	$7,596

Last reviewed: 02/13