All students are required to have health insurance to cover the cost of medical treatment.
As an international student, it is your responsibility to have health insurance at all times while in the United States. Since you are required to arrive before any CU-Boulder coverage begins, you must purchase a policy that will cover you from your arrival in the U.S., and that meets your needs until the CU-Boulder coverage starts on August 18, 2017.
*Attention J-1 students: J-1 students must have specific requirements for insurance and documentation. Be sure to read about the required insurance for J-1 visa holders.
In the U.S., navigating the health care system is complex and can be difficult to understand. Please watch the following video.
When you seek medical care, you are responsible for paying the bill, regardless of whether or not you have insurance, and you are responsible for paying any costs that are not covered by your insurance company. There are three options listed below about how you can be insured while you are at CU Boulder.
Packets with complete information on health insurance and enrollment instructions are available from Wardenburg Health Center. For more details on health insurance, please visit the Wardenburg Health Center's web site. To learn how to select or waive CU insurance plans, please follow these instructions: How To Select or Waive Health Insurance. Remember to select or waive any insurance before the Fall 2017 deadline, September 15, 2017.
International students arriving to CU Boulder have three health insurance options:
It is dangerous to be in the United States without adequate health insurance. Although in many countries the government bears the expense of health care for its citizens, and sometimes even for visitors, individuals and families in the United States are responsible for these costs themselves. Since a single day of hospitalization and medical treatment can cost thousands of dollars, many hospitals and doctors refuse to treat uninsured patients except in life-threatening emergencies. Most Americans rely on insurance, and you should do the same. Insurance gives you access to better and more timely health care, and provides the only protection against the enormous costs of health care in this country.
When you purchase health coverage, the money you pay (your premium) is combined with the premiums of others to form a pool of money. That money is then used to pay the medical bills of those participants who need health care. Your coverage remains valid only as long as you continue to pay your insurance premiums.
Once you purchase insurance, the company will usually provide you with an insurance identification card for use as proof of your coverage when you are seeking health care from a hospital or doctor. The company will also provide written instructions for reporting and documenting medical expenses (filing a claim). The company will evaluate any claim that you file, and make the appropriate payment for coverage under your particular policy. In some cases the company pays the hospital or doctor directly; in others, the company reimburses you, the policy holder, after you have paid the bills.
Before arriving to the United States, you may bring an insurance plan with you from your home country or purchase an individual health insurance plan from a private company. If you decide to buy insurance from a private insurance company, search the internet for companies that offer insurance coverage and services to international students. See the J-1 Insurance Resource List for a list of medical insurance providers that sell insurance specifically to visitors in the U.S.
You will be required to select and purchase your own insurance coverage. In choosing an insurance policy, you should consider many factors:
Colorado state law requires all students enrolled for one or more classes and born on or after January 1, 1957, to provide proof of immunization for: two rubella (measles); two rubella (German measles); and two mumps vaccinations. If you can't verify your immunizations, you will need to be re-immunized. Hepatitis B and Meningitis vaccines are strongly recommended for new international students, but not required. Medical, religious, and personal exemptions are allowed by law.
The University requires that all incoming new students complete the New Student Immunization Questionnaire. This has information and questions on meningococcal disease, the Human Papillomavirus (HPV) vaccince, and Tuberculosis. You can find out more information about this questionnaire at Wardenburg Health Services: New Student Information
New students must submit immunization information by the deadline set by Wardenburg Health Center (September 15, 2017). This is an important deadline, because you will be assessed a $25 late penalty and a STOP will be placed on your student record (which means you will not be allowed to register for classes) if you neglect to submit immunization records.