University Health Service

Multicultural group of students

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

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

The 2020-21 Plan, which covers students 8-24-20 to 8-23-21, will be open for enrollment during the second week of August. There will be no changes to benefits from the 2019-20 Plan described below. The cost for an individual student will be approximately $1,800. 

The 2019-20 Plan is currently available only to students and 2019-20 graduates from the Ann Arbor, Flint and Dearborn campuses who have had Qualifying Life Event (QLE), limited to within 30 days after the QLE. 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. If you have had a QLE, email us for assistance at . 

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

Quick links:

On this page:

Why buy this health insurance plan?

  • A low-priced, voluntary plan available to all U-M students through Blue Care Network of Michigan
  • Annual purchase price will be $1709, with an annual deductible of $100 for in-network care and $100 for out-of-network care
  • Provides coverage throughout the U.S.
  • Complies with the Affordable Care Act, with coverage comparable to a "platinum" plan on the Health Insurance Marketplace
  • Is 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 - see Benefits at a Glance (PDF)

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:
    • 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.)
    • International students, students with dual citizenship and international scholars who are not eligible for International Student and Scholar Health Insurance Plan
  • Green card holders who meet the above qualifications
  • Eligible spouses, unmarried domestic partners of any gender and children (up to age 26) of all the groups listed above, if the student is enrolled in the insurance

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:

2019-20 Policy Year
Coverage Period A. Annual
(See also Annual Installment Payments directly below)
B. Winter C. Spring/ Summer
Effective dates 8/24/19-8/23/20 1/1/20-8/23/20 5/1/20-8/23/20
Payment deadline  9/30/19 1/31/20 5/31/20
End of open enrollment period 9/30/19 1/31/20 5/31/20
Premium Cost:
Student only $1709 $1100 $538
Student + 1 (Adult or Child) $3,352 $2156 $1056
Student + 2 or more $4,995 $3,212 $1,574

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. Once Annual Installment Payments are chosen, there are no cancellations and no refunds other than described in the Member Guide (PDF), page 3, in the paragraph starting, "A pro-rata refund of unearned premium..."

Premium Cost - Annual Installment Payments (2019-20 policy year):
  1st payment: 2nd payment: 3rd payment:
Effective Dates 8/24/19-1/31/20 2/1/20-5/31/20 6/1/20-8/23/20

Payment deadline

9/30/19 1/15/20 5/15/20
End of open enrollment period 9/30/19 1/31/20 5/31/20
Student only $752 $564 $393
Student + 1 (Adult or Child) $1475 $1106 $771
Student + 2 or more $2,198 $1,648 $1149

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 9/30/19, Winter 1/31/20, Spring/Summer 5/31/20

Eligibility for enrollment is subject to verification.

To enroll online:

First go to the BCN U-M Domestic Student Health Plan website

Then follow these instructions:

  1. Click the green "Enroll now" button
  2. You will be transferred to the Relations website, which handles enrollment for the BCN U-M Domestic Student Health Insurance Plan. Click the orange "ENROLL" button on the Relations website. 
  3. You will go to the Online Enrollment page on the Relations website. Click the blue "Start Enrollment" button. 
  4. If you agree to terms, click the blue "Yes, I agree to the above and would like to continue" button.
  5. Select who will be covered by insurance:
    1. If you are an individual student, click "Enrollee." 
    2. If you have one or more family members you would like to add, use the + or - symbols under "Dependents" and click Add.
  6. After selecting the correct number of members to be enrolled:
    1. Click the blue "Check out" button
    2. Add enrollee information
    3. Add address information
    4. Follow instructions to pay.

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:

Confused about health insurance? Please watch Health Insurance 101 Video, for U-M students

See Frequently Asked Questions about how to use the plan

For enrollment questions, contact Relation at: 

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

UHS Managed Care/Student Insurance Office:

International Student and Scholar Health Insurance Plan