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Office of International Programs

Mandatory Health Insurance
Per the North Dakota State Board of Higher Education (SBHE) policy section 505, international students at Minot State University in F-1 or J-1 status are required* to be covered by the health insurance policy that has been designated by the Chancellor of the North Dakota State University System.

* Students from Canada and Norway are exempt from this requirement. However, students from Canada and Norway may opt to enroll in the United Health Care policy by completing an online application, if interested in obtaining coverage from a U.S. based insurance provider. Canadian students and parents should refer to the Current Students page for information regarding private and provincial health insurance considerations.

Plan Details and Benefits
United Health Care is the current official health insurance provider for all F-1 and J-1 students attending North Dakota public institutions. The policy is comprehensive and provide excellent benefits. Plan information can be found at the following links, which were prepared by United Health Care:

Benefits Summary List of In-Network Providers - ND Cities
Detailed Plan Brochure Global Emergency Services - FrontierMEDEX
Prescription Drug List Collegiate Assistance Flyer

Contact United Health Care
Customer Service: 1-877-433-6667

Insurance Card
After paying the health care premium to MSU, you can create an account, or access your insurance card via the United Health Care website:

Insurance Policy Enrollment and Fees
The insurance policy enrollment fee is automatically charged to an international student’s MSU financial account at the beginning of each semester, and it must be paid with other tuition and student fees. This coverage is required from the time of registration at MSU until termination or completion of program objectives. Any student who is not properly insured will be prohibited from participating in their program.

Waivers for Comparable Insurance Coverage
Under NDUS Policy/Procedure 505, students may be eligible for a waiver of the NDUS designated insurance if they are able to provide proof of comparable coverage. Waivers are granted in only a few exceptional situations. Instructions and a waiver form are provided here for those who wish to learn more about the process and requirements.

Why do International Students and Scholars Need Health Insurance?
Many international visitors come from countries where the government pays for medical care. In the United States, the cost of health care is usually shared by the person who uses the service and by an insurance plan. Medical costs are very expensive in the U.S. In fact, it is not uncommon for hospital bills alone to range from $1,000 to $100,000. If you are injured or ill and do not carry health insurance, you will be responsible for paying the entire bill yourself. In addition, medical facilities may refuse treatment to non-emergency cases without a guarantee of payment. For these reasons, and your own peace of mind, it is mandatory to have health insurance. It allows you to get medical services you need when you need them and it protects you from unexpected expenses that can cause great worry and even interrupt your academic study.


Page last updated:
December 1, 2014