Useful Links and Frequently Asked Questions

Useful Links

Frequently Asked Questions

When will I receive an insurance card?

Your card is always available on the Aetna Student Health website. You can download an image of your card to your phone, or you can print your card if you prefer.

If you recently arrived at U-M, your insurance card may not be available on the Aetna Student Health website until about two weeks after you complete your check-in.  You can use the temporary insurance certificate you received at your check-in until you can download or print your card from the Aetna Student Health website.  

I started/ended my insurance in the middle of the month. Why am I being charged for the whole month?

The minimum charge for insurance is one calendar month (for example, all of August, all of September). Your insurance charge cannot be prorated (charged for a partial month). So, if you are covered for any part of a month under this plan, you will have to pay for the whole month.

Where can I get my U-M International Student/Scholar Health Insurance (IHI) bill?

You are not going to get a bill in the mail for your IHI. Instead, you need to check your bill online every month. To see your bill, go to Wolverine Access. Click on Student Business, then log in using your uniqname and kerberos password. Under Campus Finances, click on Account Inquiry and you will see your bill. For payment options, see Making Payment on a Student Account

Why can't I see my bill on Wolverine Access?

If you attended mandatory check-in after the bills for the month have been generated, you will not see a charge. You will have to wait until next month for the next billing cycle. You will see two charges: one for the current month and another for the previous month that was not charged. You do not have to worry about late fees for the first month since there was no bill. If you have more questions regarding your bill, you can contact the U-M Student Financial Services

Why am I being charged twice?

If you attended mandatory check-in after the bills for the month have been generated, you will not see a charge. You will have to wait until next month for the next billing cycle. You will see two charges: one for the current month and another for the previous month that was not charged. You do not have to worry about late fees for the first month since there was no bill then. If you have more questions regarding your bill, you can contact the U-M Student Financial Services.

How do I enroll in University of Michigan benefits, such as GradCare?

If you are receiving benefits paid by your department, you can talk to your department administrator to find out your Benefit Group. Once you have that information, you can go to U-M Benefits Enrollment. You can also review the GradCare workshop presentation.

IMPORTANT: Remember to add your F-2 or J-2 dependents to your plan. Once you enroll, your IHI plan will be automatically cancelled. If for any reason your other University of Michigan health care benefit stops, you will automatically be put back on the IHI plan.

I received a bill from the hospital/doctor, what do I do? I paid for treatment at the hospital, how can I get my money back?

Sometimes, the hospital does not bill the insurance company. You might need to call the hospital or file a claim with the insurance company depending on your situation. Please refer to What to Do if You Get a Bill from the Hospital or Doctor for step-by-step instructions.

How do I get coverage abroad? Are there any problems if my bills are not in English?

Under the IHI plan, you get worldwide coverage. However, when you get treatment abroad, it is likely that you will have to pay for the treatment and then file a claim with Aetna Student Health. Please see Travel Outside the U.S. for instructions on how to proceed. You will need to keep copies of your doctor/hospital bills and send the original bills to Aetna Student Health Claims Administrator. Don't worry if your bills are not in English. Even if your bills are in a different language, the insurance company will translate them to evaluate your claim.