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, administered by Anthem, and bill the bursar account for the cost.
Enrollment and billing
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
Spring & Summer 2020: $888 fee
Exemptions from mandatory insurance enrollment
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 qualifying situations described below.
The following students are automatically exempt from mandatory enrollment in the IU International Plan (will not be enrolled or charged):
- Graduate students with an Assistantship or Fellowship who are enrolled in a different IU health insurance plan
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):
Students in the following situations can request exemption from mandatory enrollment in the IU International Insurance Plan:
- 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
- J-1 exchange students with alternative coverage the meets J-1 requirements
The deadline to submit an Health Insurance Exemption Request e-form in Atlas for the Spring 2020 semester is January 22, 2020.
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:
- Have active IU International Plan Insurance coverage yourself.
- Complete a paper copy of the International Student Health Insurance Plan Dependent Enrollment Form 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.
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 Student with 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.
Contacts for insurance related questions
IU Human Resources Student Insurance Specialist: Insurance plan information
Office of International Affairs: Insurance enrollment, bill for premium and waiver requests
Academic HealthCare, Inc.: Temporary insurance cards and dependent enrollment
Anthem Student Insurance Plans: Questions about using insurance and medical bills
It is best to request expedited insurance enrollment (takes 1-2 days) by contacting email@example.com 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:
- Visit MyAHPCare.com and register to access your AHP online account.
- 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 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.
Call Anthem customer support at 1-844-412-0752 to request that a copy of your digital insurance ID card be sent to you by email or mailed to your local address.
Log into your online Anthem account to 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 2-3 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.
Download Anthem's Sydney Health App, available in Google Play and the Apple App Store, for easy access to your digital insurance card, claims and resources.
*Please note that you will need the IU International Plan group number to request a your Anthem member ID number. You will need your ID number to log into your online Anthem account and the Sydney Health App. You can find find your member ID number by logging into your AHP insurance enrollment portal, calling AHP at 1-855-422-3833, or emailing firstname.lastname@example.org. Contact email@example.com for assistance locating your Anthem member ID number.
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.
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 online. If you know that you need to visit a doctor or pharmacy before your Anthem insurance card is available, contact firstname.lastname@example.org 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.