Health insurance and the healthcare system may be very different here than in your home country. Below you’ll find basic health insurance and healthcare information to introduce you to the U.S. healthcare system.
All students and scholars who are F or J visa holders attending UMKC are required and are automatically enrolled in UMKC’s Aetna Student Health Insurance Plan after they register for classes. You will automatically be billed each semester.
The University’s insurance plan covers or exceeds all typical insurance options outlined by the U.S. government as requirements for foreign students and scholars. Explore the details of your UMKC Aetna Student Health Insurance Plan here.
The rates below are for the 2019-2020 academic year and include both premiums for the plan underwritten by Aetna Life Insurance Company (Aetna) as well as the University of Missouri administrative fee.
|Student and Spouse||$4,034||$1,686||$2,348||$672|
|Student and Child(ren)||$4,034||$1,686||$2,348||$672|
|Student, Spouse and Child(ren)||$6,015||$2,514||$3,501||$1002|
If you are sponsored by your government, are on a visa other than F or J, and think you might be eligible for an insurance waiver, please review the Health Insurance Waiver Request Form(pdf).
The Insurance Waiver deadline for upcoming terms are:
- Fall 2019 is September 3, 2019
- Spring 2020 is February 4, 2020
- Summer 2020 is June 19, 2020
First stop: Student Health Center
- Location: 5110 Oak St., Brookside 51 Bldg., Ste. 237, Kansas City, MO 64112
- Visits are free or discounted
- All you need to know is your Student ID number
- It is helpful to bring your Student ID with you
- Additional tests and x-rays have costs
- Costs will be billed to your student account
- You should make an appointment
- Counseling, Health and Testing Center
- Counseling Center
- Disability Services
- The MindBody Connection
Next stop: Specialists (if required)
- It is very important not to self-refer to specialists, so make sure you have a referral from the Student Health Center before you visit a specialist.
- Make sure to bring your Aetna Health Insurance Card with you.
- If you self-refer, it can be much more expensive.
When visiting the doctor:
- They may have certain expectations of patients:
- Arrive early for your first appointment.
- Provide medical history in paperwork before your appointment.
- They may use language that you are unfamiliar with.
- If this happens, it is OK to tell them that you do not understand.
- They will likely not be familiar with what your expectations of doctors are in your home country.
- Do not be afraid to ask questions if you do not understand all of the information given to you!
- Emergency services can be very expensive in the U.S., so be sure that your situation is a true emergency before you go to an Emergency Room.
- In case of emergency, you can call 911 for an ambulance to the nearest hospital.
- Examples of an emergency: An injury or illness that needs immediate attention, serious bleeding or injury, ingestion of poison or drug overdose, broken bones, severe allergic reactions, or any other health issue that is an immediate threat to someone’s well-being or life.
- At this time, a visit to the eye doctor costs about $45.00 to $100.00 USD, and eyeglasses can cost $100.00 USD or more.
- If you have any eye condition that requires more than corrective eyeglasses, then there will be additional costs that your UMKC insurance plan does not cover.
- To save money, have your eyes examined before you leave home and bring a copy of your prescription with you (written in English), so that you will not have to go to another doctor to replace lost or broken eyeglasses.
- The UMKC medical insurance does not cover the cost of eye care.
- Dental care in the U.S. is very expensive and is not covered by UMKC student health insurance. There is an option to purchase dental insurance from the same provider, Aetna, on a self-contracted plan. Visit Aetna’s UMKC-specific website for more details.
- If you have access to a dentist at home, we suggest that you have your teeth cleaned and fixed before you leave.
- The UMKC School of Dentistry offers excellent Dental Health Care at a reduced rate compared to private practice in Kansas City.
- International students may participate in semester long or short-term study abroad programs through UMKC’s Study Abroad and Global Engagement (SAGE). Outgoing UMKC Study Abroad students, whether they are US citizens or international enrollees, are required to purchase GeoBlue health insurance(pdf) for the duration of the study abroad program.