Prospective Students

Graduate Health Insurance

Domestic students enrolled in six or more credit hours per semester (or considered full time, including graduate students enrolled in a 700/800 level class) are required to obtain adequate health insurance (see exceptions). The annual premium for the health insurance plan offered through the Student Health Service is added to each student’s fees. Domestic students with adequate alternative coverage may request cancellation of the insurance fee via MyUM. Students with limited out of area coverage or otherwise inadequate coverage are urged to carefully review their options before waiving the Student Health Service sponsored insurance plan. Deadlines to waive the insurance are July 25th for the Fall semester, January 25th for the Spring semester, April 25th for Summer I and June 25th for Summer II.

Insurance cancellation requests must be renewed each academic year via MyUM.

Insurance Rates for the upcoming academic year are generally available by June 1st.

Students who previously waived the insurance charge can reinstate the insurance prior to the Spring semester by completing the reinstatement request form and checklist. Coverage can also be reinitiated at the start of the Fall semester by choosing not to re-waive the charge, or at other times during the academic year, if within 30 days of termination of other similar coverage, by completing the reinstatement request form and checklist. Documentation of termination may be requested.

The deadline for reinstatement of insurance is January 25th for the Spring semester. Please do not consider your reinstatement complete until reinstatement has been verified via MyUM, the charge has been posted to your student account and all charges on your account have been paid.

Students scheduled to graduate at the end of the Fall semester can request to be charged for the Fall semester only by completing an insurance exception form by September 1st. Students who request to be charged for the Fall only, and remain enrolled, will be subject to the Spring/Summer insurance fee.

All international students are required to enroll in the University sponsored health insurance program. The annual premium for this coverage is added to each student’s fees. For more information, contact the Student Health Service at studenthealth@miami.edu or (305) 284-1652.

TA/GA/RA’s are required to obtain adequate health insurance according to the guidelines described above for other Domestic and International students. TA/GA/RA’s with an active assignment can pay for their insurance via payroll deduction by requesting this option under the employment tab at MyUM. If the payroll deduction option does not appear on your MyUM screen, please contact your department to verify the status of your assignment. The payroll deduction option will not appear on your MyUM screen until your student assignment has been processed by your department and entered by the Office of Student Employment. Although insurance waiver requests must be submitted by July 25th, the deadline to select the payroll deduction via MyUM is October 1st. A health insurance credit is available for Coral Gables TA/GA/RA’s, Fellows and Trainees enrolled in PhD programs. To take advantage of the credit you must choose the payroll deduction option as described above.

Health Insurance forms can be found here: Forms
Specific Student Health Insurance Information can be found here.