Welcome to Ann Arbor! As an international student at the University of Michigan, you are embarking on an exciting academic journey. But before you dive into your studies, I wish to share with you some important points that have helped me navigate the United States healthcare system. Navigating healthcare in a new country can be daunting, but understanding the basics will help you stay healthy and manage any medical needs that arise. Here is a comprehensive guide to help you get started at the University of Michigan.
1. Health Insurance Requirement.
University-Mandated Insurance
It could be true that health care can be expensive in the United States but do not be discouraged, the university requirement for international students has you covered. International students are required to have health insurance while studying at the University of Michigan. The university offers the International Student and Scholar Health Insurance Plan which is automatically billed to your student account. This plan covers a wide range of medical services, including those provided by the University Health Service (UHS) and other local healthcare providers. However, if you qualify for alternative University of Michigan insurance such as gradcare through a job or positions with the university you will be automatically enrolled in that. For more information on the University accepted insurance you can visit the International Center’s health insurance page.
Waiving the University Insurance
If you have health insurance coverage from another source, such as an insurance plan from your home country or a family plan, you may be eligible to waive the university plan. To do this, you must complete a waiver application by the deadline provided each semester. Ensure your external insurance meets the university’s minimum coverage requirements.
Personal Facts: Without the insurance system, I would not have been able to afford the over $350,000 medical bills for my son's birth and a month stay at the Newborn Intensive Care Unit.
2. Understanding Health Insurance Terms
To understand your insurance and rights the university has prepared a UHS video on health insurance video that explains the benefits of insurance and defines the major health insurance terminologies. A summary of the terminologies is given below.
Premium: The amount you pay for your insurance every month.
Deductible: The amount you pay out-of-pocket before your insurance starts to cover costs.
Copayment (Copay): A fixed fee you pay for a medical service, like a doctor's visit.
Coinsurance: The percentage of costs you share with your insurance after meeting your deductible.
Note: Remember to always go to your healthcare appointment with your health insurance card.
3. University Health Service (UHS)
The University Health Service (UHS) is the primary health provider for University of Michigan students. Located on campus, UHS offers a range of services, including primary care, mental health support, and preventive care.
How to Access UHS
You can schedule an appointment online through the UHS patient portal or call their office. UHS also provides walk-in services for urgent care during certain hours. Remember to bring your student ID and any relevant insurance information.
The range of services provided includes mental health services like therapy and counseling, primary care services like vaccines and routine check-ups, and preventive care services like wellness initiatives, health screenings, and immunizations. For more you read on tips for using UHS
Emergency Care
For severe or life-threatening conditions, you should call 911 or go to the emergency room (ER) closest to you. UHS has limited emergency services, so for after-hours or severe issues, visit a local hospital or ER.
4. Off-Campus Healthcare Providers
Finding a Provider
If you need to see a specialist or seek care outside of UHS, you can find a list of local healthcare providers through your insurance plan’s directory or ask for recommendations from UHS.
Making Appointments
When scheduling an appointment with an off-campus provider, check if they accept your insurance and understand any potential out-of-pocket costs. Note: Like many services in the United States, you need to make appointments to visit a healthcare provider except for emergency visits to the emergency room.
5. Mental Health Resources
University Resources
Higher education and life sometimes can become so challenging leading to a need for mental health resources. The University of Michigan offers several mental health resources through UHS and other departments at the university.
Community Resources
Washtenaw County has numerous community resources and mental health professionals. Do not hesitate to seek help if you are feeling overwhelmed or need support.
6. General Tips
Seek medical help when you feel unwell
Keep Track of Medical Records: Maintain copies of your medical records, prescriptions, and immunization history.
Know Your Rights: Be sure you understand your insurance policy and what to do if you receive an inaccurate bill.
Keep Up to Date: Visit the websites of your insurance company and UHS frequently to see any updates or information.
Conclusion
To summarize, navigating the U.S. healthcare system as an international student at the University of Michigan may appear complex at first, but understanding the basics will ease your experience. You can efficiently meet your health needs by becoming acquainted with the health insurance requirements, accessing the University Health Service, and understanding how to access both on-campus and off-campus healthcare. Remember to keep track of your medical records, understand your insurance benefits, and seek assistance as needed. With this short guide, you will be better prepared to deal with any healthcare-related issues that may emerge during your studies. I wish you a healthy and prosperous academic experience in Ann Arbor!
Written by Timilehin Ayelagbe
Summer Orientation Peer Advisor
Graduate Student
Nigeria
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