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Health Insurance Information for Graduate Students: More Local & University Resources

MU Student Medical Insurance: Eligibility, Enrollment, Costs & Coverage, Contacts

Selected information from the Graduate Studies website. For more information, go here.

Eligibility

For international students. International students with F or J visa status are automatically enrolled in the international plan. More about insurance requirements for J-1 scholars.

International students with visas other than F or J are required to carry the insurance and must enroll. More about insurance requirements for international students.

For domestic students. For U.S-citizen and permanent resident students, enrollment is voluntary.

Enrollment

Graduate student medical insurance is issued by Aetna Student Health. To obtain a medical insurance plan, students must enroll through the MU’s myZou system. Students must follow the specific enrollment dates and deadlines to enroll in the insurance program. Aetna offers detailed information about Mizzou's plan. Aetna rates vary for domestic and international students.

After selecting an insurance plan, a Mizzou graduate student can enroll in the student medical insurance program in one of three ways:

  1. myZou
  2. Office of Cashiers
  3. Insurance company

Students must re-enroll at the beginning of each new period to continue receiving annual or semester-by-semester coverage.

How to enroll (for domestic students only):

1.Enroll through myZou during registration

Log into myZou using your username and password.

Go to "self-service" and then "student center."

Click on the drop-down box that says "other academic" and from the list choose "optional fees."

When you click on "optional fees" and choose the current term, you'll see a table of options.  To enroll for a year, choose "domestic insurance annual." To enroll for a semester, choose the fall or spring option. If you are enrolling in the spring semester, you will only have one choice.

Check the appropriate box and click on "submit" at the bottom of the page. You should see a message confirming successful enrollment.

Please make sure that your address in myZou is current. Update your address in Personal Information in your myZou account. 

2.Enroll through the Office of Cashiers

If you wish to enroll in the insurance through the Cashier's Office, call 573-882-3097 or go to 15 Jesse Hall.

Select:

Type of plan (international or domestic)

Duration of the plan (annual, fall semester only or spring/summer only)

Whom you want the insurance to cover (yourself only or yourself and your spouse and/or children)

3.Enroll directly through the insurance company

If you enroll directly with Aetna, you will be required to pay the insurance premium when you enroll. If you enroll through myZou, the charge for the insurance premium is added to your student account. Please be aware that you are held to the cashier’s payment schedule for the insurance premium, the same as for any other charges

Aetna provides an online guide to Mizzou's medical insurance plans.

When to enroll

Fall enrollment period: New or continuing students

Domestic students: 
Students must be registered for classes to enroll in the insurance program. Students who register for fall classes in April or May should be able to enroll in insurance by June.  The enrollment deadline for fall coverage is mid-September; check the Aetna website for specific dates.

International students:
International students with F or J visa status are automatically enrolled in the international plan when they register for classes. Other international students are required to carry the insurance and must enroll. More about insurance requirements for international students »

Spring and summer enrollment period: Continuing students

Continuing students who enroll by the semester may re-enroll for the spring and summer after registering for spring semester classes. The deadline is early February; check the Aetna websitefor specific dates. The spring insurance also covers the summer session.

From the Forum on Graduate Student Rights: Local Resources for Graduate Students

Selected information from “Resources for MU Graduate Students Seeking Health Insurance Fall 2015, August 20th, 2015” For the complete document, go here.

Columbia

Primaris. Jeremy Milarsky, (MU Alum) is Program Manager at Primaris. Selected info below from Jeremy’s Aug 17th Linkedin post “MU graduate students have options for coverage.” The Primaris Foundation offers free, unbiased insurance counseling from federally certified, state licensed experts in the ACA. Call today for an appointment: 573-817-8338, or contact us at insurancecounseling@primaris.org.

GRO. Grass Roots Organizing, will be on campus first week of classes.

Missouri

CLAIM. Missouri's state health insurance assistance program at http://www.missouriclaim.org/.

National & Federal

Healthcare.gov. Sign up (enter State and Email address) to receive reminders before important deadlines and learn about your options: https://www.healthcare.gov/ Before you apply, you can make a ballpark estimate of your income to see if you may qualify for savings. This page tells you how (not the same as an application): https://www.healthcare.gov/income-and-household-information/

The Henry J. Kaiser Family Foundation. Health Insurance Marketplace Calculator, updated with 2015 premium data, provides estimates of health insurance premiums and subsidies for people purchasing insurance on their own in health insurance exchanges (or “Marketplaces”) created by the Affordable Care Act (ACA). With this calculator, you can enter your income, age, and family size to estimate your eligibility for subsidies and how much you could spend on health insurance: http://kff.org/interactive/subsidy-calculator/