Health Insurance

International degree-seeking students on non-immigrant visas and all visiting students (regardless of their immigration status) studying through one of UR's partnerships are required to purchase the health insurance plan offered by the University. Exceptions to this policy can only be made for degree-seeking students who meet certain criteria. Students may wish to share this information with their parents/legal guardians.

Americans living abroad, dual citizens, and permanent residents will not be enrolled in the student health insurance plan unless they are visiting students studying at Richmond through one of our partnerships. Students should read the Domestic Students webpage of the Student Health Insurance Plan website to comply with the University's health insurance requirement.

For 2024-25, UnitedHealthcare is the underwriter and RCM&D is the plan administrator. 

For the 2024-25 year, the annual health insurance premium will be $2,858.

Spouse and Dependent Children
Proof of health insurance for the spouse and all dependents of non-immigrant student visa holders must be provided to Krittika Onsanit before their arrival in the U.S.

Consequences of Not Getting Health Insurance
International students who do not purchase UR's health insurance or get an exception will not be permitted to register for classes. F-1 and J-1 students who fail to register for classes will be in violation of their student status.

Using your Health Insurance Plan
When you see a doctor or other medical provider, you will need to take your insurance card, which provides contact information for the insurance company and your insurance policy number. The medical provider will use this information to bill your insurance plan.  Once the insurance company gets a bill from a medical provider, they will pay their portion of the bill (per plan benefits) and then will send you a statement showing how much they paid and (if applicable) how much your cost is.  The medical provider will then send you a bill for your portion of the cost.

Keep in mind that some plan benefits require preauthorization from the insurance company before they will be covered.  If you are not sure if something is covered or have medical billing questions or issues, contact Customer Service.

Filing a Medical Claim for Reimbursement
If you have already received and paid for treatment, you can submit a claim to the insurance company requesting reimbursement.  The insurance company will review the claim and receipts and pay according to the plan’s benefits, including applying treatment costs to the policy deductible.

You should mail one claim for each illness or injury. If additional information is required, the claims administrator will mail you a questionnaire; please answer all questions completely and mail the questionnaire back to the health insurance company as soon as possible so your claim can be processed.

For more information, visit the University of Richmond health insurance website.