Medical Insurance for International Students

This section is solely for International Students of the University of North Texas. If you have questions or concerns about your insurance, please contact the Insurance Department at 940-369-5446.

2021-2022 Student Insurance Policy Information for International Students

Students participating in the Intensive English Language Institute (IELI) can find information specific to them on the IELI UHSCR insurance flyer.

Students participating in the Optional Practical Training (OPT) programs can find information specific to them on the OPT UHSCR insurance flyer.

All other international students can find information specific to them on the International Student UHSCR insurance flyer.

The University's Responsibilities 

UNT must enforce the requirement that you have adequate health insurance coverage continuously during your UNT residence. UNT residence is defined as that continuous period from initial orientation and enrollment or employment, including holidays, through graduation or final separation from the university.

International Student Responsibilities

  • International students are required by the University to provide proof of adequate health insurance coverage each time they register for classes.
  • International students may waive out of the University endorsed student insurance policy in only three instances:
    • An international student has comparable employment insurance through a U.S. employer group policy.
    • An international student has comparable coverage through the employment of a parent or relative through a U.S. employer group policy.
    • An international student has a government sponsorship. *These waivers are processed in the Sponsored Student Office, Marquis Hall, room 106.

Students must also provide Medical Evacuation and Repatriation Coverage, available as a separate policy through the University-endorsed insurance carrier, United Healthcare Student Resources.

A student reference guide for waiving or activating student insurance prior to the end of the enrollment period is available.

Spring 2022 Student Health Insurance Waiver Instructions

Please note that insurance coverage is for a continuous period of time.  Should you graduate or separate from the University during that period of time, a refund will not be issued.

Insurance Activation

Starting, Spring 2022 international students will automatically be enrolled for student insurance and have their insurance activated each semester.


International Student Insurance Frequently Asked Questions (Spring 2022 update)

Why do I need my insurance card?

If you need to go to the hospital or to an off-campus provider, you need to present your insurance card. Your insurance card contains the information a doctor's office or hospital needs in order to file your insurance claim so that your insurance can pay for their portion of your visit.

How can I get my insurance card?

International students will receive a welcome email from UnitedHealthcare Student Resources (UHCSR) to their UNT student email address three to five days after January 6, 2022. This welcome email will provide instructions on how to set up your UHCSR MyAccount, where you can print your insurance card. You can also download the UHCSR Mobile App (search for UHCSR on your device's app store) so you can access your card on your phone. If you don't receive the welcome email, you can also go to and look under the Account Information section for the Electronic ID card option.

How will I receive information about my student insurance coverage?

The welcome email and all other communications from the student insurance carrier UnitedHealthcare Student Resources (UHCSR) and the insurance plan administrator Academic Health Plans (AHP) will come to your UNT student email address. If you are not receiving emails from AHP or UHCSR, check the email address listed in your student account at, and update the address if necessary.

How do I know what my insurance covers?

A quick overview of plan benefits is available for students on the IELI, OPT, and general international student Plan Highlight Sheets. If you have questions about whether a specific service will be covered, please call UHCSR customer service at 1 (800) 767-0700 or email them at

Visiting the Student Health and Wellness Center (SHWC) is the most cost-effective option when you have the UNT student insurance plan. If you choose to see an in-network, off-campus provider, you will have a higher copay ($50.00), and you will have to meet your $500.00 deductible before the insurance begins to pay a portion of your cost for labs and x-rays from in-network, off-campus providers. Your deductible is $1,000.00 if you see an out-of-network provider.

How do I know if an off-campus provider is in-network?

Off-campus providers need to be within a 50-mile radius of UNT, and they need to be part of the UnitedHealthcare Choice Plus PPO network. You can look up in-network doctors, hospitals, and pharmacies by going to the Find a Provider section of

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