Health Insurance

Aetna Student Health members guidance on COVID-19 and healthcare coverage:


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 2020-2021 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.

Coverage PeriodAnnualFallSpring/SummerSummer
Student and Spouse$4,446$1,864$2,582$742
Student and Child(ren)$4,446$1,864$2,582$742
Student, Spouse and Child(ren)$6,633$2,781$3,852$1,107


Visiting a Doctor

First stop: Student Health Center

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
  • 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.
Insurance waivers

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 2020 is September 18, 2020
  • Spring 2021 is February 2, 2021
  • Summer 2021 is June 21, 2021
Eye Care
  • 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
  • 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.


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