Insurance Information

All students are required to obtain adequate health insurance coverage (few exemptions apply). To assist students in obtaining coverage, the University-sponsored Student Health Insurance Plan by United Healthcare is designed to be used in conjunction with the services of the Student Health Service and Counseling Center. 

Domestic students with adequate coverage of their own can waive the University-sponsored plan, however, international students are required to enroll in the University-sponsored plan (unless being sponsored by an embassy).

Student Health Insurance Plan Highlights

Annual Deductible

  • In-network: $300
  • Out-of-network: $750

Co-Pays

  • Student Health Service or Counseling Center: $0
  • Primary and Specialist Care outside of Student Health Service: $40

Out-of-Pocket Maximums*

  • In-network: $5,500
  • Out-of-network: $6,000

*Includes the deductible, copays, coinsurance, and covered prescription drug copays.

Insurance Rates and Coverage Dates

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  • 2020-2021 Annual

    Undergraduate, graduate, and international Students
    August 15, 2020, to August 14, 2021
    $3,834

    MD students (1st year)
    July 13, 2020, to June 30, 2021
    $3,515

    MD/MPH students (1st year)
    June 29, 2020, to June 30, 2021
    $3,834

    MD and MD/MPH students (2nd to 4th year)
    July 1, 2020, to June 30, 2021
    $3,834

    International LLM students
    August 1, 2020, to June 30, 2021
    $3,515

  • 2021 Spring and Summer

    Undergraduate, graduate, and international Students
    January 5, 2021, to August 14, 2021
    $2,236

    MD and MD/MPH students (1st - 4th year)
    January 1, 2020, to June 30, 2021
    $1,917 (semi-annual rate)

  • 2021 Summer Only

    Undergraduate, graduate, and international Students
    May 10, 2021, to August 14, 2021
    $961

  • 2021-2022 Annual

    Undergraduate, graduate, and international Students
    August 15, 2021, to August 14, 2022
    $3,930

    Class of 2024 (MS2) NextGen All Tracks
    June 28, 2021, to June 30, 2022
    $3,930

    Class of 2025 (MS1) NextGen MD/MBA
    July 12, 2021, to June 30, 2022
    $3,930

    Class of 2025 (MS1) NextGen MD/MPH
    June 28, 2021, to June 30, 2022
    $3,930

    Class of 2025 (MS1) NextGen MD All Others
    July 12, 2021, to June 30, 2022
    $3,930

    MS3 and MS4 All Students
    July 1, 2021, to June 30, 2022
    $3,930

  • 2022 Spring and Summer

    Undergraduate, graduate, and international Students
    January 5, 2022, to August 14, 2022
    $2,292

    All medical students
    December 1, 2021, to June 30, 2022
    $1,965 (semi-annual rate)

  • 2022 Summer Only

    Undergraduate, graduate, and international Students
    May 10, 2022, to August 14, 2022
    $985

Vision/Dental Insurance

Dental and vision plans vary considerably. Please carefully review the benefits and limitations to ensure that the policy meets your needs.

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  • Included with Student Health Insurance Plan

    As required by law, dental and vision coverage is included in the University-sponsored insurance plan for enrollees under age 19. Additionally, all enrollees are eligible for an annual routine eye exam from a United Healthcare participating optometrist (subject to co-payment; does not include eyewear). Search for a provider at MyUHC.com.

  • Combined Dental/Vision Plan

    For increased coverage and benefits, combined dental and vision insurance is offered by United Healthcare. Enrollment in the University-sponsored health insurance plan is not required to purchase this dental/vision coverage, however, coverage for dependents is only available to those who are enrolled in both the University-sponsored health insurance plan and the dental/vision plan. 

    For policy information and enrollment, please review the Dental and Vision Insurance Brochure, visit welcometouhc.com/umiami, or call United Healthcare at 1-888-877-2780.

    United Healthcare Dental/Vision Contact Information

More Information for . . .

Domestic Students

Domestic undergraduate students enrolled in six or more credit hours per semester and domestic graduate students considered full time are required to obtain adequate health insurance.

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International Students

All international students are required to enroll in the University-sponsored health insurance program regardless of credit load. The annual premium for this coverage is added to each student's fees.

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Graduating Students

Graduating seniors, and others leaving the University, are encouraged to seek alternative coverage well before the termination of their current plan.

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Graduate Assistants

Graduate students with an active graduate assistantship job assignment in Workday and who are eligible for the Graduate School subsidy can pay for the remaining portion of the insurance via payroll deduction.

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MD and MD/MPH Students

Miller School of Medicine MD and MD/MPH students enrolled in six or more credit hours per semester are required to obtain adequate health insurance.

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Dependents and Spouses

Although not eligible for care at Student Health Service, dependents and spouses of enrollees are eligible for coverage.

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