Insurance for Students

Student Health Insurance Requirements

All IUPUI international students in F or J status along with their dependents are required to have health insurance for their entire stay in the United States. We will enroll all students in the IU Interanational Plan and bill the bursar account for the cost.   

In the 2018-2019 academic year, the IU International Plan was provided through Aetna Student Health. We have transitioned to Anthem/AHP as IUPUI's provider of the IU International insurance plan for the 2019-20 academic year. 

Learn more about IUPUI’s health insurance plan »  



New students will be automatically enrolled in the IU International Plan at the beginning of their first semester at IUPUI. Continuing students will be automatically re-enrolled every semester to ensure continuous coverage. Dates of insurance coverage are August 1 - December 31 for fall semesters and January 1 - July 31 for spring semesters. The insurance premium for each semester is listed below and will be charged to the student's bursar bill.

2019-20 Academic Year 

Fall 2019                                     
$636 fee (billed in September)
Spring & Summer 2020    
$888 fee (billed in February)


Exemptions from mandatory insurance enrollment 

Beginning in the Fall 2019 semester, all IUPUI international students will be automatically enrolled in the IU International insurance plan.  It is important to avoid purchasing health insurance from other companies for the 2019-2020 academic year. Limited exemptions will apply for students in the following, qualifying situations.

Students who qualify for an AUTOMATIC insurance exemption

The following students will be automatically exempt from mandatory enrollment in the IU International Plan (will not be enrolled or charged):

  • Graduate students who have insurance provided through their Student Academic Appointment or Fellowship.
  • Students sponsored by one of the government agencies listed below who have a valid financial guarantee on file with the Office of International Affairs (uploaded in Atlas):

Abu Dhabi Police Scholarship Program
Kuwait Embassy
Oman Embassy
Qatar Embassy
Qatar Higher Education Institute
UAE Embassy
UAE Military Attache


Students who can REQUEST an insurance exemption 

Students in the following categories may submit an Insurance Exemption Request in Atlas no later than September 5, 2019, to determine whether they qualify for an exemption of the mandatory insurance enrollment policy:

  • J-1 exchange students 
  • Students eligible for insurance coverage through a parent's or spouse's U.S.-based employer
  • Students working in the U.S. on CPT or OPT who are eligible for insurance coverage through their employer


Insurance for Dependents

You may also purchase health insurance through IUPUI for your dependents. Only students are enrolled automatically by OIA.  Insurance for dependent family members cannot enroll your dependents or charge their insurance premiums to your bursar account. 

Steps to add dependent family members to your IU International Insurance Plan:

  1. Have active IU International Plan Insurance coverage yourself. 
  2. Complete a paper copy of the Enrollment Form for Scholars and Dependents insurance application and submit it, along with payment (credit card or check), directly to Academic Health Plans (AHP). Contact information and instructions are listed on the application form. 
  3. If you are a graduate student with an assistantship or fellowship and want to enroll youself and your dependent family member(s) in the IU International Insurance Plan, you must also complete the Assistantship/Fellowship: Enroll in IU International Insurance Plan e-form in Atlas. You must also confirm with your department that you plan to opt out of (waive) the insurance coverage it has offered to provide.

Find the Enrollment Form for Scholars and Dependents (for student dependent enrollment) and application instructions here:


Contacts for insurance related questions

IU Human Resources Student Insurance Specialist: Insurance plan information
Telephone: 812-856-4650 

Office of International Affairs: Enrollment and billing 
Telephone: 317-274-7000 

2019-20 Athem Student Insurance Plans: Questions about using insurance and medical bills
Telephone: 1-855-422-3833


Can I print a temporary copy of my card before the original card arrives in the mail?

It is best to request expedited insurance enrollment (takes 1-2 days) by contacting if you need to visit a doctor or pharmacy and need your official Anthem insurance card quickly. However, you can access a temporary copy of your insurance card (insurance coverage letter) in your AHP portal within 1-2 days after you have been enrolled in the plan. Some doctors and pharmacies may require the official Anthem insurance card in order to bill Anthem for your medical services. Contact the doctor or pharmacy you wish to use in advance to confirm. 

To obtain a temporary insurance card until your official Anthem card is available:

  1. Visit and register to access your AHP online account.
  2. Once you log in, you can print an Insurance Coverage Letter (temporary card) to verify that you have insurance coverage and schedule appointments. Be sure to note your Anthem/AHP member ID, which will be available in your AHP portal.


When and how can I get my insurance card?

It takes approximately 5-7 days from the date of enrollment for your Anthem account to be created and reflect active status. You can obtain a copy of your Anthem insurnce card in the following ways.  

Download the Athem Anywhere App to save a copy of your insurance card to your phone, email yourself a copy, or request a copy of your card by mail. This is the fastest way to access your Anthem insurance card.*

Call Anthem customer support at 1-844-412-0752 to request that they email you a copy of your insurance card or send a new copy to your local mailing address.

Visit Anthem's website to access your online Anthem insurance portal and download, email or request that a copy of your card be mailed to you.*

Anthem will automatically produce and mail a copy of your insurance card to the local address you have listed in One.IU at the time of insurance enrollment. Your card should arrive within approximately 2 weeks of your enrollment in the plan. If you have not provided a local address in One.IU by the time you are enrolled in insurance, your card will be mailed to the Office of International Affairs who will then email you to collect it.

*Please note that you will need your Anthem member ID number in order to get registered and access your insurance card for the first time in the Anthem Anywhere App, by phone or online. You can find find your member ID number by logging into your AHP insurance enrollment portal or by contacting AHP at 1-855-422-3833 or Let know if you have any questions or problems locating your Anthem member ID.

No matter when you are enrolled for the semester, your dates of insurance coverage will match those listed on the IU Student Insurance website for the current semester. Your eligible medical expenses will be covered for those dates, even if you have not yet received a copy of your insurance card. 


Can I go to the doctor or pharmacy before I get my insurance card in the mail?

Yes. It takes 5-7 days from the date of enrollment for your Anthem account to be created and an insurance card to be made available to you. If you know that you need to visit a doctor or pharmacy before your Anthem insurance card is available, contact to request expedited insurance enrollment.  Expedited enrollment takes 1-2 days. A copy of your card will be emailed to you once your enrollment has been activated.

Another option is to pay out of pocket for your visit to the doctor or pharmacy and submit a claim to Anthem once your insurance enrollment has been activated in order to be reimbursed for the amount of the bill covered by insurance.