Lana Oconnell
The University of Arizona offers a top-tiered student health insurance plan, which is mandatory for international students on non-immigrant visas. Domestic students are not required to enroll in the university's plan but are strongly advised to have some form of health insurance. Students may already have health insurance through their parents or employers, which can be used at the university, provided the insurance covers care in Arizona. Additionally, ISO offers international student health insurance with affordable rates and comparable coverage to school insurance.
| Characteristics | Values |
|---|---|
| University | University of Arizona |
| Insurance provider | ISO International Student Insurance |
| Insurance type | Student Health Insurance Plan (SHIP) |
| Coverage | Worldwide emergency coverage, available to UA Students, Graduate Assistants & Associates, Post-Doctoral Fellows, J1 Visiting Scholars, and J1 Student Interns |
| Enrollment | Automatic enrollment for international students on non-immigrant visas, optional for domestic students |
| Cost | Affordable top-tiered medical insurance policy |
| Customer service | Phone: (520) 621-5002, Email: [email protected] |
| Website | www.uhcsr.com/asu |
| Notes | Students may already have health insurance through their parents or employers and should carry their insurance cards at all times |
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What You'll Learn
University of Arizona's student health insurance requirements
The University of Arizona offers a top-tiered Student Health Insurance Plan (SHIP) with coverage extending nationwide and an emergency benefit worldwide. The plan is available to UA students, graduate assistants and associates, post-doctoral fellows, J1 visiting scholars, and J1 student interns.
The University of Arizona requires all international students on non-immigrant visas to carry the UA Student Health Insurance Plan unless they qualify for an exemption. Graduate assistants/associates (GAs) have health benefits paid for by the university, providing they are officially hired and have signed and filed a "Notice of Appointment". GAs must also be taking a minimum of 6 units of graduate credit and must enroll for coverage by the deadline to receive the benefit.
Post-doctoral fellows, J1 visiting scholars, and J1 student interns have the option to enroll in the Student Health Insurance Plan, which is a major medical insurance policy administered by UnitedHealthcare StudentResources (UHCSR). To access their insurance ID, students must register for an account with UHCSR. Coverage typically becomes effective at 12:00 a.m. Arizona time on the coverage start date and terminates at 11:59 p.m. on the coverage end date.
Undergraduates must be taking at least 6 units, while graduates must be in a degree or certificate program taking a minimum of 3 units or 1 thesis/dissertation unit. Students with existing insurance coverage who lose their insurance during the semester may be eligible to enroll in SHIP outside of the open enrollment period. Certain qualifying life events allow students to join the plan outside of open enrollment, providing arrangements are made within 30 days of the event.
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International students' health insurance options
International students have several options for health insurance. Many colleges and universities require international and study abroad students to obtain a minimum level of medical coverage for their enrollment period. Additionally, your host country may require insurance for international students, so it is important to verify your visa requirements before purchasing coverage.
International Student Insurance (ISI) is a popular option for international students, offering reliable and affordable insurance plans with a 5-star customer service rating. Their plans are comprehensive and designed to provide key coverage areas that schools want, such as mental health, sports, and maternity. They also offer international student travel insurance plans.
Another option is IMG, which offers international student health insurance plans that provide solutions for physical health, mental wellness, financial protection, crisis support, and personal property. IMG plans are designed specifically for international and study abroad students and scholars and offer worldwide coverage, international claims specialists, and access to 24/7 emergency assistance services with multilingual capabilities.
Additionally, ISO International Student Health Insurance is the leading provider of insurance plans for international students, offering affordable plan options.
Students may also already have health insurance through their parents or employers. In this case, students should carry their health insurance cards with them at all times. The university health service can file claims to third-party insurance companies they are contracted with if the student presents the card at the time of their visit.
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Domestic students' health insurance options
The University of Arizona does not require students to have health insurance to access healthcare at Campus Health. However, the university strongly urges students to maintain adequate health insurance to cover unexpected medical expenses. Arizona Online, Southern Arizona, and Distance Learner students can access care at Campus Health via a daily user fee or enrol for the available healthcare options. Registered UA students are eligible for services under the Student Discounted Rate. The University of Arizona offers a top-tiered Student Health Insurance Plan (UA Student Health Insurance Plan) that international students on non-immigrant visas are required to carry unless they qualify for an exemption.
ASU also offers affordable, top-tiered medical insurance underwritten by United Healthcare Student Resources (UHCSR) for immersion students. The Student Health Insurance Plan (SHIP) is designed for students who are currently uninsured, need a less expensive alternative, or need an Arizona provider network. The plan is negotiated annually by a Tri-University leadership group with input from student advisory committees. ASU also offers the Bridge Discount Plan for students with no insurance or non-billable insurance to reduce healthcare costs at ASU Health Services clinics.
Students may already have health insurance through their parents or employers. These students should carry their health insurance cards with them at all times. ASU Health Service will file claims to third-party insurance companies they are contracted with if the student presents the card at the time of their visit. If a student's insurance carrier is not on ASU's list of contracted companies, the student should contact their insurance carrier to receive guidelines for out-of-network coverage.
To enrol in Summer coverage, students must message the Student Health Insurance department through their MyHealth secure portal by June 1, 2025. The Spring coverage period includes the Summer coverage period, so separate Summer coverage is unnecessary if a student was enrolled in Spring coverage. If a student loses their existing insurance coverage during the semester, they may be eligible to enrol in SHIP outside of the open enrolment period. To see if they qualify, students must submit a message to the Student Health Insurance department in their MyHealth portal within 30 days of the loss of coverage.
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The University's health insurance plan coverage
The University of Arizona offers a top-tiered Student Health Insurance Plan (SHIP) with coverage extending nationwide and emergency benefits worldwide. This plan is mandatory for international students on non-immigrant visas and optional for domestic students. The University recommends that all students maintain adequate health insurance to cover unexpected medical expenses.
The SHIP plan is designed to provide coverage for students who are currently uninsured, need a more affordable option, or require an Arizona provider network. It is negotiated annually by a Tri-University leadership group with input from student advisory committees to ensure it meets the unique needs of the student body. Coverage under SHIP is comprehensive and includes access to health and counselling services at any ASU Health Service location.
Students enrolled in all Session A or Session B courses are eligible to enrol in A or B coverage. The Spring coverage period includes the Summer coverage period, so separate enrolment is not necessary. Students who lose their existing insurance coverage during the semester may be eligible to enrol in SHIP outside of the open enrolment period by contacting the Student Health Insurance department.
ASU Health Services is contracted with several major insurance companies and also bills many non-contracted insurance providers. Students with insurance are advised to carry their insurance cards at all times and present them at the time of their visit. ASU Health Services will file claims to third-party insurance companies and bill the student's insurance carrier. However, if the insurance company is not on the contracted list, students should contact them to understand their guidelines for out-of-network coverage.
ASU also offers the Bridge Discount Plan, a non-insurance product that provides access to discounted healthcare services at ASU Health Services clinics for students with non-billable or no insurance. This plan helps reduce out-of-pocket costs for students who may have high deductibles, limited benefits, or no coverage for charges incurred at Campus Health Service.
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Alternative health insurance options
Arizona students have a range of health insurance options. Firstly, it is important to note that federal law allows you to remain on a parent's health insurance plan until you turn 26, regardless of whether you're in college, living at home, eligible for your own job-based coverage, financially dependent, or married. This can be a good option if your parents' insurance covers care in Arizona.
Many Arizona colleges and universities, including Arizona State University (ASU) and the University of Arizona, offer a student health insurance plan. For example, ASU offers an affordable, top-tiered medical insurance policy underwritten by United Healthcare Student Resources (UHCSR). The Student Health Insurance Plan (SHIP) is designed for students who are uninsured, need a less expensive alternative, or need an Arizona provider network. To access this insurance, students must register for an account with UHCSR to obtain their insurance ID.
Alternatively, ASU also offers the Bridge Discount Plan for students with non-billable or no insurance to reduce the cost of healthcare at ASU Health Services clinics. The Bridge plan is available to all students, whether or not they are insured through the student health plan. For example, a general medical visit with Bridge costs $15, compared to $31-$104 without the plan.
Additionally, under the Affordable Care Act (ACA), federal subsidies, including premium tax credits and cost-sharing subsidies, can help lower the cost of premiums, deductibles, and coinsurance when enrolling through the Health Insurance Marketplace. If you are an out-of-state student and someone else, such as a parent or guardian, can claim you on their tax return, your subsidy amount will be based on the income of everyone included on that tax return.
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Frequently asked questions
The University of Arizona offers its own top-tiered Student Health Insurance Plan, which is mandatory for international students on non-immigrant visas. ISO health insurance may cover University of Arizona students, but this depends on the specific ISO plan and whether it covers care in Arizona.
Students who already have health insurance, for example, through their parents, are advised to carry their health insurance cards with them at all times. The University of Arizona will bill the insurance carrier, provided they are on their contracted list. If not, the student may have to pay out-of-network rates, or the insurance plan may not pay at all.
Students who lose their insurance coverage during their studies may be eligible to enroll in the University's Student Health Insurance Plan (SHIP) outside of the open enrollment period. To qualify, students must submit a request through their MyHealth portal within 30 days of losing coverage, providing a loss of coverage letter.
