Health Insurance FAQ
All undergraduate non-immigrant students are automatically billed and enrolled in UR’s student health insurance plan through the Office of International Education. This charge is added to the general fees of the University as a separate line item each semester.
Students will be covered in 6-month increments for the duration of their studies at Richmond. Students starting in the fall semester will be covered from July 1 through January 1 of the following year for one-semester visiting students or through July 1 of the graduation year for undergraduate degree-seeking students on non-immigrant visas graduating in May. One-semester visiting students starting in the spring semester will be covered from January 1 through July 1.
A co-payment is the amount that the plan does not pay and is therefore the responsibility of the insured. The insured should pay the co-payment directly to the medical provider, never to the insurance company or to the administrator.
Aetna Student Health customer service 1-800-926-8545 or https://www.aetnastudenthealth.com/en/school/846584/contact-us.html
You can order another one on the health insurance website.
Most international students are not prepared to pay such high costs for medical care. The University is not financially responsible for costs related to accidents or illnesses of any student.
Demonstration of adequate financial resources is necessary for the issuance of the I-20/DS-2019 and maintenance of one's F-1 and J-1 student status. Most people do not have disposable income to pay for health care associated with serious illnesses and accidents. Health insurance guarantees adequate resources in the case of a serious accident or illness.
The University has neither the staff time nor expertise to review policies from various countries or to review whether or not students are properly insured. In cases of emergency, policies outside of the United States are often difficult to use. Therefore, for the well being of the students and to protect the liability of the University and its employees, it is necessary to institute a mandatory health insurance plan.
Some international students do not keep their plans current. This policy will prevent lapses in health insurance coverage thus benefiting both the student and the institution should the student need health care.
A group plan makes health insurance affordable to all eligible students and/or non-immigrant dependents regardless of age.
Non-immigrant students who do not pay their bill will have a hold placed on their registration and will not be permitted to register for the following semester. Registration holds will not be cleared until the student has paid his or her bill.
Coverage is provided only as a result of dental injury or accident.
J-2 dependents are required to have health insurance that meets the minimum U.S. Department of State requirements. F-2 dependents are not required to have health insurance but it is strongly recommended that they do so in case of accident or illness. International students and scholars are responsible for health insurance enrollments and payments for their dependents, which can be done on the Aetna website.
As soon as your I-485 is approved, the applicant will be issued an EAD (Employment Authorization Document) from the USCIS. At this point, the individual's status is no longer nonimmigrant, which means that the individual is not required to enroll in the international student and scholar group plan. If you need to continue your health insurance coverage, you can purchase individual coverage through Gateway, Wallach & Co. or Liaison International.
Whenever possible, you should ask your doctor and pharmacist if a generic brand of the medicine you have been prescribed is available. The generic medicine is usually less expensive and is the same medicine as the brand name.
Your medical records may be requested for a variety of reasons, including:
- To determine whether a claim is pre-existing
- When a physician lists multiple diagnoses
- In the case of accidents, medical records give a clearer picture of what may have happened.