Coverage & Rates
Highlights*
- $1,000,000 per accident or illness
- 100% coverage up to $5,000 (after deductible)
- 80% coverage from $5,001 to $40,000
- 100% coverage from $40,001 to $1,000,000
*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 in Ann Arbor. You can find other doctors and hospitals in the network on the Aetna web site.
Deductibles
Deductibles are the minimum amount of money that you have to pay for a particular service
| If you are: | And you are first treated or referred by: | Deductible: |
| International Student | Any other doctor/hospital or Emergency Room | $50 |
| Scholar | Any other doctor/hospital or Emergency Room | $50 |
| Spouses and Dependents age 10 or older | Any other doctor/hospital or Emergency Room | $50 |
| Dependents under age 10 (they cannot visit University Health Service) | Any other doctor/hospital or Emergency Room | $50 |
- 90% coverage for prescription drugs (excludes birth control, acne medicines)
- Costs of pregnancy and childbirth are covered. If the pregnancy began before enrollment in the IHI plan, some coverage limitations may apply. Please review the Pre-Existing conditions section What's Covered for more details
- 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 in Ann Arbor for $15. Visit UHS Eye Clinic in Ann Arbor for clinic hours and information about eye exam
- Tuberculosis (TB) screening: To find out if you need to bested for TB, or to schedule an appointment visit the Urban Health and Wellness Center.
- Medical evacuation and repatriation coverage
Current Rates
Your monthly insurance bill can be seen at SIS > Student Services > Student Account > Account Summary by Term. You will not receive a paper bills 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 9/1/2010 - 8/31/2011
| Montly | Annually | |
| Student or Scholar | $99 | $1,188 |
| Student or Scholar and One Dependent | $411 | $4,932 |
| Student or Scholar and two or more Dependents | $723 | $8,676 |
Insurance Premiums for 9/1/2011 - 8/31/2011
| Montly | Annually | |
| Student or Scholar | $89 | $1,068 |
| Student or Scholar and One Dependent | $321 | $3,852 |
| Student or Scholar and two or more Dependents | $554 | $6,648 |