International Students Insurance
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International Student Health Insurance Requirement
Background
All international students ("J" or "F" status) are required to maintain health insurance as a stipulation of their visa with US Citizenship and Immigration. These students are automatically billed for the university-sponsored student insurance program on their tuition bills.
International students with certain scholarships that provide health insurance will not be required to enroll in the U of L insurance program. A list of these scholarships will be available at the start of the semester and before other short-term programs begin at the International Center.
Waivers MAY BE granted based on one of the 3 categories:
Category 1: Home Country Provides US Insurance coverage
Category 2: Fully Sponsored by US or Other organization which provides your health insurance
Category 3: Coverage through a US plan provided as an employee benefit
For detailed requirements for each category view the International Waiver Requirements.
University Sponsored Student Health Insurance Plan Information
Please visit the Academic Health Plans website for more information about our current plan. Please review the plan benefits and compare with your proposed plan. For questions about insurance coverage or waivers, contact Academic Health Plans at support@ahpcare.com or 1-855-850-4191.
Waiver Deadlines
| Term | Enrollment Dates |
|---|---|
| Fall Semester | July 18 - August 31 |
| Spring Semester | November 14 - February 1 |
No exceptions will be granted
FAQ
All F1 or J1 international students are required to purchase the student health insurance policy. Waivers are not allowed except for special circumstances.
Only under specific circumstances:
- Home country provides USA Insurance
- Fully sponsored by US or other organization which provides health insurance
- Covered as a US employee or dependent
- Completion of the International Waiver Requirement Document
- All requests for waivers must be reviewed and approved by the Insurance Advocate
- Insurance Advocate removes the charge from tuition bill
- Accepted for current academic year only
The University of Louisville sponsored student injury and sickness insurance plan from Academic HealthPlans provides UofL students with an affordable student health insurance plan tailored to the particular needs of UofL students. For more information visit https://louisville.myahpcare.com
| Fall 8/1 - 12/31 | Spring/Summer 1/1 - 7/31 | |
| Student | $1,438.50 | $1,438.50 |
| Spouse | $1,438.50 | $1,438.50 |
| Child | $1,438.50 | $1,438.50 |
| Children | $2,877.00 | $2,877.00 |
Yes. See the rate chart above for information regarding the pricing. Contact the Insurance Advocate for additional information at stuins@louisville.edu.
After registering for classes, students may enroll in the plan during open enrollment periods and the premium will be automatically placed on your tuition. If you do not have an approved waiver, you will be automatically enrolled in the plan and the major medical fee will not be able to be removed from your account.
Open Enrollment:
| Term | Enrollment Dates |
|---|---|
| Fall Semester | July 18 - August 31 |
| Spring Semester | November 14 - February 1 |
Students may qualify to enroll at other times if they have a qualifying event such as birth of a child, death of a spouse, loss of insurance through your spouse/job or reach the age of 26 which eliminates them from a parental policy. Contact the student insurance advocate, stuins@louisville.edu for additional information regarding this type of enrollment.
The University sponsored plan requires students to use Campus Health Services for routine health care. Specialty care is provided through the Anthem BC/BS provider network. For more information visit https://louisville.myahpcare.com/benefits
Referrals are not required but are suggested because Campus Health Services can obtain appointments within the University system which decreases the cost for the student. If you have an after-hour emergency, you may use any immediate/urgent care center or emergency room. These services are subject to annual deductibles and copayments.
Obtaining a referral is not a guarantee of payment but notifies the insurance plan of a pending claim. Final determination of benefits is determined by the insurance company.
Students may use any of the local hospitals in the Louisville area or nationwide. However, UofL Hospital provides deeper discounts for services.
Yes. Using the Anthem BC/BS network will be less expensive if available. See theAcademic Health Plans web site for information on how to locate an Anthem provider.
Yes. Worldwide coverage and travel assistance is available including air ambulance transfer back to the United States if medically necessary. Please contact Academic Health Plans at (888) 308-7320 for more information.
International students are not covered when they require services in their home country.
For information on how to obtain your insurance card, visit: https://louisville.myahpcare.com/
- Before You Visit a Provider: Understand the specific procedure to follow when seeking medical treatment under your Student Health Insurance Plan. You are required to use the Campus Health Services Offices as your primary physicians for non-emergency care.
- Call 502-852-6479 for Cardinal Station office or 502-852-6446 for the Health Science Center office.
- All customer service inquiries, including provider network questions, should be directed to Academic Health Plans by calling (888) 308-7320.
Absolutely. Most major insurance companies are billed by Campus Health.