University Health Service

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See How Blue Cross Blue Shield of Michigan is responding to the coronavirus (COVID-19)

U-M students who need to return to campus early due to the COVID-19 crisis can take advantage of a special enrollment period to purchase the 2019-20 U-M Domestic Student Health Insurance Plan through Blue Care Network. See Health Insurance for Early Arriving Students Aug 2020

If you need health insurance, please consider this plan, which was developed with students' needs in mind.

Enrollment begins 8/1/2020 for coverage dates 8/24/20 to 8/23/21. The cost for an individual student will be $1,796. The deadline for purchase is September 30, 2020. 

To save money on health care, currently enrolled U-M students on the Ann Arbor campus should visit UHS first. 

To enroll online, go to BCN U-M Student Health Plan.

Did you recently graduate from U-M? Special eligibility for academic year 2019-20 U-M graduates

Due to the COVID crisis, the 2020-21 U-M Domestic Student Health Insurance Plan (DSHIP) will be available to U-M alumni who graduated during the 2019-20 academic year. If you already have the insurance, you will need to re-enroll in order to extend your coverage past 8/23/20. 

Information on this change in DSHIP enrollment eligibility will be sent to all 2019-20 U-M graduates in late July or early August, 2020.

On this page:

Why buy this health insurance plan?

  • It's a low-priced, voluntary plan available to all U-M students through Blue Care Network of Michigan
  • The annual purchase price will be $1796, with an annual deductible of $100 for in-network care and $100 for out-of-network care
  • It provides coverage throughout the U.S.
  • It complies with the Affordable Care Act, with coverage comparable to a "platinum" plan on the Health Insurance Marketplace
  • The plan sponsored by the University of Michigan

Benefits include:

  • ​Prescription drug coverage
  • Clinic visits
  • Mental health
  • Annual vision exam
  • Hospitalization
  • Emergency room visits
  • Ambulance service
  • Dental coverage
  • And more

Who can enroll (eligibility)?

This plan is available to: 

  • U-M students, including undocumented students, who are enrolled in classes or between semesters (e.g. during spring/summer session) at the Ann Arbor, Dearborn or Flint campuses, including:
    • U-M degree-seeking students who are taking their classes on-line or remotely are eligible. Students who are taking “series,” “MOOCs” or “teach-outs” are not eligible. 
    • Graduate and doctoral students who are completing graduation requirements (writing thesis, preparing dissertation, studying for prelims, studying abroad on detatched study, pre-doctoral candidates, etc.) are eligible.
    • International students, students with dual citizenship and international scholars who are ineligible for International Student and Scholar Health Insurance Plan are eligible. 
    • U-M students who took classes during the 2019-20 academic year but take a leave of absence during the 2020-21 academic year are eligible to purchase the 2020-21 Plan due to the COVID crisis.
  • U-M alumni who graduated during the 2019-20 academic year are eligible for the 2020-21 Plan, due to the COVID-19 pandemic. 
  • Green card holders who meet the above qualifications are eligible. 
  • Spouses, domestic partners of any gender, and children (up to age 26) of all the groups listed above are eligible if the student is enrolled in the Plan.

A U-M student enrolled in the Plan who is on an approved medical leave of absence needs to have purchased the insurance prior to the event causing medical leave. Coverage for medical leave cannot extend beyond one Policy Year past the current year enrolled for classes.

After the enrollment deadline, only those students who have involuntarily lost health insurance coverage through a Qualifying Life Event are eligible to purchase the plan, limited to within 30 days after the Qualifying Life Event. Qualifying Life Events include turning age 26 and being removed from your parent's health insurance, the birth of a baby or marriage or ending of an insurance policy. 

Coverage periods, costs and payment for 2020-21 Policy Year:

Coverage period: Annual
(Fall, Winter & Spring/ Summer)
(See also Annual Installment Payments directly below)
Winter & Spring/ Summer  Spring/ Summer Only
Effective dates: 8/24/20 - 8/23/21 1/1/21 - 8/23/21 5/1/21 - 8/23/21
Payment deadline and end of open enrollment period: 9/30/20 1/31/21 5/31/21
Cost for student only: $1,796 $1,155 $565
Cost for student + 1 (adult or child): $3,526 $2,268 $1,111
Cost for student + 2 or more $5,256 $3,380 $1,656

Annual Installment Payments: This is an annual plan for the entire policy year. You may elect the annual installment payment, which consists of three payments. Premium payments for Periods 2 and 3 will AUTOMATICALLY be charged to the same form of payment used for Period 1. An email notification will be sent prior to the next payment due date. If your credit card is denied, you will be given the opportunity to provide alternative payment details, but this must be received no later than the deadline as listed below. No late enrollment is allowed.

Cost for Annual Installment Payments for 2020-21 Policy Year:

Installment payment: 1st payment: 2nd payment: 3rd payment:
Effective dates 8/24/20 - 1/31/21 2/1/21 - 5/31/21 6/1/21 - 8/23/21
Payment deadline 9/30/20 1/15/21
automatic deduction by insurer
automatic deduction by insurer
Cost for student only $790 $593 $413
Cost for student + 1 (adult or child) $1,551 $1,164 $811
Cost for student + 2 or more $2,312 $1,734 $1,210

How to enroll:

Enrollment is only available during open enrollment periods, unless you have a Qualifying Life Event such as turning age 26 and being removed from your parent's health insurance, the birth of a baby or marriage or ending of an insurance policy. 

Note the open enrollment deadlines: Annual 9/30/20, Winter 1/31/21, Spring/Summer 5/31/21

Eligibility for enrollment is subject to verification.

To enroll online, go to BCN U-M Student Health Plan.

After insurance has been purchased, there are no cancellations and no refunds other than:

  • A student who is receiving a U-M health insurance plan or
  • A student who is graduating and receiving health insurance through their new employer

How to find a doctor outside of Michigan

Follow instructions at Find a Doctor outside of Michigan - Step by Step (PDF).

Student Health Insurance Committee (SHIC)

The Student Health Insurance Committee negotiates this insurance plan for students and addresses domestic student health insurance issues. Student participation is welcome. 

More information:

Health Insurance 101 Video explains why and how students use health insurance

Frequently Asked Questions about how to use the plan

2019-20 U-M Domestic Student Health Insurance Plan

For enrollment questions, contact Relation at: 

For benefit information, see BCN U-M Student Health Plan or call 800-662-6667 

UHS Managed Care/Student Insurance Office:

See also International Student and Scholar Health Insurance Plan