Health Insurance for F1 and J1 students


Health insurance is required of all F-1 and J-1 international students. When you register for classes you will automatically be enrolled in our UST Sponsored Student Health Insurance Plan (Aetna Student Health Insurance Plan) and billed $1,149 for fall semester and $1,581 for the spring/summer semester. Coverage for fall term is from August 15, 2014, through January 14, 2015, and coverage for spring term is January 15, 2015, through August 14, 2015. The insurance will assist in paying for accident and illness expenses that may arise while you are attending the UST.

Dental and optical care is not covered under the health insurance plan in the U.S., so we strongly urge you to get dental and optical work done before you leave home. Students do have the opportunity to purchase dental and vision discount programs.

Aetna Student Health Insurance Plan

Some Highlights of the 2014-2015 plan include:

  • 100% coverage for care received at UST Health Services 
  • No deductible for care received at UST Health Services
  • Unlimited maximum benefit
  • Coverage includes sports-related injuries
  • Prescription coverage plan ($15 co-pay for generics; $45 co-pay for formulary; $75 co-pay for non-formulary)
  • Access to local and national preferred providers
  • Travel Assistance Service and Worldwide Medical Coverage while studying abroad
  • 24 hour nurse telephone line

2014-2015 Benefits Overview - International
Travel Coverage

If you have questions about this plan, please contact the UST Student Health Insurance Office at 651-962-6752 or at You may also review Aetna Student Health's website at

Insurance Waivers

J-1 international students are not eligible to waive the UST-sponsored plan.

F-1 international students who want to waive the UST-sponsored health insurance plan should submit their U.S.-based health insurance information (must meet the minimum coverage requirements listed below) via Murphy Online.

Fall:  We will accept waive requests for Fall 2014 term from July 7, 2014, through September 30, 2014.  However, in order to allow time for questions, we strongly encourage you to request your waiver by September 15, 2014.  

Spring We will accept waive requests for Spring 2015 term from January 1, 2015, through February 27, 2015.  However, in order to allow time for questions, we strongly encourage you to request your waiver by February 13, 2015.  

If your waive request is approved, you will still be enrolled in and billed $36/semester for an evacuation and repatriation plan.

Health Insurance Waiver Instructions

The alternative policy must adhere to minimum essential benefits as outlined in the US Affordable Care Act.  The alternative policy must:

  • Be written in English and converted to U.S. dollar values
  • Be a U.S.-based insurance company with a U.S. claim address
  • Provide unlimited coverage per accident or illness
  • Have a deductible no greater than $2,000 per condition
  • Cover pre-existing conditions
  • Treat pregnancy/maternity as any other illness
  • Provide continuous coverage during academic semesters and University breaks and vacation periods (including Winter break, J-term and summer break)