Registration for Summer semester insurance is now available in Experience via the Payments Page.
Enrollment ends July 6, 2025.
Waiver Period is May 2, 2025 to July 15, 2025.
Michigan Tech requires all international students, graduate students and student athletes to carry comprehensive health insurance. Michigan Tech partners with UnitedHealthcare to offer a comprehensive health insurance plan.
Undergraduate domestic (U.S. citizen) students and off-campus students are not mandated to have comprehensive health insurance, but are welcome to utilize the comprehensive health plan offered through UnitedHealthcare.
The Student Insurance Office, housed in Benefit Services of Human Resources, facilitates the Michigan Tech student health insurance plan and waivers for all students.
Information regarding the student insurance plan can be found by visiting the UnitedHealthcare Student Resources website.
How to Enroll
Enroll and/or make a payment by logging into Experience.
| Annual | Fall | Spring | Summer | |
|---|---|---|---|---|
| Deadline Dates | 12/10/2024 | 10/16/2024 | 3/9/2025 | 7/6/2025 |
| Coverage Dates | 8/16/2024 - 8/15/2025 | 8/16/2024 - 1/8/2025 | 1/9/2025 - 5/7/2025 | 5/8/2025 - 8/15/2025 |
| Premium Rates (per student) |
$3,300 | $1,320 | $1,076 | $904 |
*J-1 Scholars must use a different method to enroll/make a payment. Please see the J-1 Scholar tab under the FAQ's (below) for more information.
**Students with an Assistantship/Supported status MUST take steps to enroll in the healthcare plan. Michigan Tech does not automatically enroll students into the UnitedHealthcare student plan. To do this, log into Experience, click the pay insurance link, and complete the steps to select the $0 premium. If you are supported and see an amount besides $0, check with your department about your status.
Policy Details can be found on the UnitedHealthcare Student Resources website. Vision and Dental plans are also purchased via the UHC website.
How to Waive the Insurance Requirement
The deadline to submit a waiver for the Spring 2025 semester is 1/31/2025.
If you already have health insurance and your plan is a comprehensive health plan that meets coverage requirements of the university and is accepted in the U.S., you do not need to purchase the policy through the university. Undergraduate domestic (U.S. citizen) students and off-campus students are not mandated to have comprehensive health insurance.
Waivers are required on an annual basis.
Graduate Students and International Students:
To waive the insurance requirement, you MUST have a comprehensive health plan that meets the coverage requirements of the university and is accepted in the United States.
UHC's "How to Waive Coverage" Video
To submit a waiver for the 2024-2025 academic year, follow these steps:
- Have your M number and current insurance information available.
- Go to the UnitedHealthcare MTU Student Center.
- Follow the prompt and fill out your information.
Your waiver will not be approved if your policy is not comparable. Incomplete waivers will not be processed. You will receive an email from UnitedHealthcare confirming your approval or denial. Please note that waivers will take approximately five (5) business days to process.
| Waiver Criteria | Required Amounts and Coverage |
|---|---|
| Out-of-pocket maximum | Maximum $9,000 per individual; $16,000 per family. |
| Deductible | Maximum $5000 per individual; $10,000 per family. |
| Medical Benefits | Must not contain a lifetime maximum. |
| Repatriation of remains (International Students) | At least $25,000. |
| Medical Evacuation | At least $50,000. |
| Prescription drugs | Required coverage. |
| Mental health/psychotherapy | Must cover inpatient and outpatient as any other illness. |
| Inpatient care, room & board, labs & x-ray, emergency room | Must cover at least 80% of charges - in-network. |
| Alcoholism and substance abuse | Must cover inpatient and outpatient as any other illness. |
|
Maternity/pregnancy (May not apply to all genders) |
Must be treated as any other condition if conception occurs during policy. |
|
Student Athlete Sport Related Injury (Student Athletes only) |
Must cover collegiate athletic injuries; Student athletes are not allowed to waive insurance coverage. |
|
Other |
Must cover waiver period (semester(s) enrolled in classes). |
|
Other (International Students) |
Cannot require that the insured person return to home country for treatment. |
Assistantships/Supported Students
Assistantship recipients are eligible for a health insurance subsidy. Currently, Michigan Tech will cover 100% of the supported graduate student premium for those supported students enrolled in Michigan Tech's student health insurance plan. Michigan Tech does not automatically enroll students into the UnitedHealthcare student plan. To do this, log into Experience, click the pay insurance link, and complete the steps to select the $0 premium. If you are supported and see an amount besides 0$, check with your department about your status.
Students who are fully supported (i.e. receive a stipend and tuition) MUST still enroll in the student insurance plan to be covered under the UnitedHealthcare student health plan.
Types of Assistantships/Supported Students include:
- Teaching Assistantships: GTA/GTI
- Research Assistantships: GRA/GA
- Administrative Assistantships: GADE/GADI
More information on Assistantships/Supported Students can be found here.
Dental and Vision premiums are not covered by Michigan Tech. Supported graduate students are responsible for paying the full premium amount(s) when enrolling in a Dental and/or Vision plan.
Spouses and dependents of supported graduate students enrolled in the Michigan Tech student health insurance plan are eligible for a reimbursement of 50% of the premium. Reimbursement forms can be found here.
To enroll in the student health insurance plan, log into your Experience Account.
Supported students still need to "pay" the premium of $0 in order to become enrolled in the Michigan Tech plan. Student health insurance premiums may be paid by logging into Experience.
For additional information about UnitedHealthcare, as well as to register a spouse and dependent(s), please visit here.
Frequently Asked Questions