International Student Insurance - Resources & Requirements

GBG (Global Benefits Group) Student Insurance Documents and Information:

 


REQUIREMENTS

U.S. IMMIGRATION

Program participants and their dependents are required to have medical insurance coverage with the following minimum benefits

  • Medical benefits of at least $250,000 per accident or illness
  • Repatriation of remains in the amount of $25,000
  • Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000
  • A deductible not to exceed $500 per accident or illness.

Sponsors must require that their participants (and any dependents entering the United States as holders of a J-2 visa) have insurance in effect during the period of time they are in the sponsor's program. An insurance policy secured to meet the benefits requirements must be underwritten by an insurance corporation with an A.M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-I" or above, a Standard and Poor's Claims Paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of B+ or above. Alternatively, the sponsor may ascertain that the participant's policy is backed by the full faith and credit of the government of the exchange visitor's home country. For other options, see [22 CFR 62.14].

Program regulations also discuss coverage through HMOs and self-insurance of the above requirements by federal, state or local government agencies, state colleges and universities, and public community colleges, if permitted by law. Refer to [22 CFR 62.14] for additional information.

NORTHERN MICHIGAN UNIVERSITY
  • Mental Health coverage of 30 days outpatient and 30 days inpatient
  • A United States billing address, claims phone number and contact person
  • Coverage remains in force for the full year 8-15-2020 to 8-14-2021 (NOTE: Your insurance company may be contacted to confirm coverage)

 


NMU Enrollment Process

All F1 and J1 visa students will be automatically enrolled in the GBG International Student Health Insurance Plan. Your NMU student account will be charged for the appropriate coverage at the beginning of each semester. If you apply for an insurance waiver, and it is approved, then the International Programs Office will remove the insurance charge from your NMU student account. 

  • All F1 visa degree-seeking students are required to have 12 months of insurance coverage.
  • All J1 exchange students are required to have insurance for the semester(s) that they are in the U.S. 

2022-2023 Rates & Coverage Dates

Please note: continuous coverage is mandatory for returning F1 students. 

  • Fall semester coverage (8-15-2022 to 12-31-2022) $645.08 
    • (F1, J1 exchange students/graduating students)
  • Winter semester coverage (1-1-2023 to 5-31-2023) $705.85 
    • (J1 exchange students/graduating students)
  • Winter semester/continuing student coverage (1-1-2023 to 8-14-2023) $1,048.92
    • (F1 student planning to return for the next academic semester)

NCAA ATHLETES: 
1. Your athletic scholarship will only cover your NMU Health Insurance for the fall/winter semesters. (The amount of your insurance that is covered depends on your scholarships percentage).

2. If you decided to appeal the NMU insurance, your athletic scholarship will be adjusted for the cost of insurance which is included in your athletic scholarship. If you want to know how it will affect your scholarship, please contact the Athletic Department and/or Financial Aid Office.


OPT Students

GBG does not offer a student plan through NMU for OPT students. Instead, they require OPT students to purchase an individual plan directly from the company.

You may want to contact your current employer to inquire about any insurance coverage opportunities offered through your company. 

Find more information and purchase a GBG OPT coverage plan on their website.  


Insurance Waiver Information

In order to submit a waiver request, complete and sign the form below. Email the completed Insurance Waiver Form and a copy of your full policy and proof of coverage (in English) to ipo@nmu.edu.

Requirements for waiving the NMU international students insurance plan are detailed on the Insurance Waiver Form.

Students who receive a waiver will be notified by email and will have the insurance charge removed from their account.

DEADLINE FOR SUBMITTING A WAIVER REQUEST FORM:
Fall 2022 semester: August 5, 2022

NOTE: Travel insurance policies are not considered eligible health insurance policies.

**IMPORTANT! GBG Student Insurance does not provide coverage outside of the United States.