health insurance

International students, while in the United States on a student visa (including OPT), are required to maintain health insurance. The Center for Global Engagement (CGE) provides the service of automatically enrolling all students in the university’s health insurance plan. Students are enrolled in the university’s plan unless the student provides proof of coverage from another health insurance that is approved as an alternative. The university’s health plan is Blue Care Network (BCN).

BCN Member Account
If you are a new student, at the beginning of each semester you will receive an email with your “enrollee ID”, which will allow you to create your member account by following the instructions on the BCN website. Your member account will give you access to your electronic ID card and will allow you to check your coverage, claims, and more on your computer, smartphone or tablet.

Insurance Card
International students and scholars enrolled in the U-M International Student/Scholar Health Insurance Plan will receive BCN insurance cards at the beginning of each semester. Virtual (electronic) cards will also be available, once you create your BCN member account.

Annual Deductible, Copay, & Coinsurance
The annual deductible is $100 for in-network care and $100 for out-of-network care, for each policy year (September 1 – August 31). Office visit co-pays are $20. Most in-network services are covered at 90%, meaning that the coinsurance that you pay is 10%. Prescription drugs are also covered at 90% at in-network pharmacies.

Coverage Outside the United States
You may be required to pay out-of-pocket for services and seek reimbursement upon returning to the U.S., but your insurance claims will be treated as “in-network”, meaning lower costs for you.

Travel Assistance Coverage
Travel Assistance (medical evacuation, repatriation, visits by parents if you are hospitalized, etc) will be provided by GeoBlue. It is very similar to the coverage currently provided by On Call International. 

University Health Service
Students will save money by getting medical care at University Health Service during terms when they are enrolled in classes. Many UHS services are free for enrolled students, so it will not be necessary to pay the deductible, co-pay or co-insurance.

BCN Network
If you are not an enrolled student, do not want to receive health care at UHS, or need health care that UHS cannot provide, you will save money by going to a doctor or hospital in the BCN Network. Find in-network doctors, hospitals and pharmacies using the BCN website. Look for “Find a Doctor” and select “Ann Arbor.” If you are not in Ann Arbor, you can change the search location.

Primary Care Physician (PCP)
BCN will assign you a Primary Care Physician (PCP). You can change your PCP at any time using your BCN Member Account. You are not required to get a referral from your PCP prior to receiving health care.


Monthly Rate
Student Only$160.74
Student +1 Dependent$315.98
Student + 2 or more Dependents$471.22