Insurance Waiver and Mandate

All new undergraduate students taking 6 or more credits must supply their health insurance information on the student portal account by February 15, 2022. Students who do not complete the waiver to show proof of health insurance by this deadline will be automatically enrolled and billed for the Student Health Insurance Plan offered by RIH/Aetna Student Health.

For additional information about the insurance requirement, please contact the RIH insurance and billing department at 410-455-3221 or 410-455-1557.

Be sure to check with your insurance company to find out whether or not it will cover services provided at RIH. RIH is a participating provider with several major insurance companies. Please call our insurance specialist at 410-455-8091 to determine whether or not RIH participates with your plan.

Domestic Students

To waive the insurance requirement and receive a refund of the charge for the Aetna Student Health insurance plan, the student must complete a waiver application and submit it by the deadline below. All policies will be audited by Student Health to ensure that they meet the following requirements:

  • Coverage for both accident and sickness
  • A minimum benefit of $500,000 (U.S.) per accident or sickness per policy year
  • Prescription drug benefit
  • Benefits for comprehensive reproductive health care, including contraception and maternity care, to be covered the same as for any illness
  • Benefits for in-patient care of mental and nervous disorders, alcohol, and substance abuse treatment payable on the same basis as any other sickness; benefits for outpatient mental and nervous care payable as per Maryland mandated benefits.
  • No exclusions or limitations for injury sustained as a result of a covered motor vehicle accident, or for alcohol or drug-related illness or injury
  • Hospital room/board covered at the semi-private room rate with no maximum daily limit
  • No maximum daily limit on intensive care services, outpatient diagnostic, and lab tests
  • Proof of payment for the full academic year (September through May); exceptions will be made for students entering or graduating mid-year

Waiver applications must be filed the student’s FIRST TERM AT UMBC and again EVERY FALL TERM by the established deadline (Feb. 15 for spring term, June 15 for summer, August 15 for fall term). Waivers submitted after the deadline will not be considered and insurance fees will not be refunded.

International Students

All International students with an F1 or J1 visa will be automatically enrolled in the University’s health insurance plan. International students are allowed to waive out of the insurance plan if the student has an insurance plan that meets the following requirements:

  • Student must have a domestic policy
  • Coverage for both accident and sickness
  • Coverage for pre-existing conditions or a plan that has been in force long enough so that any waiting time for coverage of pre-existing conditions has been met
  • A minimum benefit of $500,000 (U.S.) per accident or sickness per policy year
  • A $5,000 (U.S.) maximum out-of-pocket expense per policy year (i.e. insurance will pay 100% of covered costs after the insured has paid $5,000)
  • A $550 (U.S.) maximum deductible per policy year, credited towards the yearly out-of-pocket maximum of $5,000 above
  • Prescription drug benefit of at least $10,000 per policy year
  • Benefits for comprehensive reproductive health care, including contraception and maternity care, to be covered the same as for any illness
  • Benefits for in-patient care of mental and nervous disorders, alcohol and substance abuse treatment payable on the same basis as any other sickness; benefits for outpatient mental and nervous care payable as per Maryland mandated benefits
  • A $50,000 (US) minimum Medical Evacuation benefit (to return you to your country of residence if you are seriously ill)
  • $25,000 (US) minimum Repatriation benefit (in case of death, to return your remains to your country of residence)
  • No exclusions or limitations for injury sustained as a result of a covered motor vehicle accident, or for alcohol or drug-related illness or injury
  • Hospital room/board covered at the semi-private room rate with no maximum daily limit
  • No maximum daily limit on intensive care services, outpatient diagnostic and lab tests

If you do not waive out by September 30, you will be enrolled in the University’s health insurance plan.

The waiver period for the fall semester is August 1 to September 30. The waiver period for the spring semester is January 1 to February 28. Waivers submitted after the deadline will not be considered and insurance fees will not be refunded.

Waivers for the spring semester are only allowed for students who were not enrolled in the fall semester and are first-semester students beginning in the spring semester.