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Office of International Programs

Health Insurance Requirements

Healthcare facilities in Minot [pdf]

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, the MSU Office of International Programs strongly encourages students from Canada and Norway enroll in the United Health Care policy because of the excellent benefits offered by the plan. If you are interested in obtaining coverage from a U.S. based insurance provider, contact the Director of International Programs. Canadian students and parents should refer to Canadian private and provincial health insurance providers for more information about their current coverage.

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. For more information about the insurance policy, visit the North Dakota University System website or view plan details at:

Insurance Policy Fees and Enrollment
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.

Plan Details and Benefits

Benefits Summary [pdf] List of In-Network Providers - ND Cities [xls]
Detailed Plan Brochure [pdf]

Global Emergency Services - FrontierMEDEX [pdf]
(Medical Evacuation/Repatriation of Remains)

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

How to Create Your United Healthcare Account
After paying the healthcare premium to MSU, you must create an account and print your insurance card via the United Health Care website:

How to Print Your Insurance Card
Be sure to print your card as soon as possible so that you are prepared for unexpected emergencies.

What Are Deductibles, Coinsurance, and Copays?
A detailed description of common insurance terms you'll hear in the U.S.

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, typically when coverage is already provided through a U.S. employer, or a parent or spouse’s U.S. based employer. Waivers are NOT granted for students who are “shopping” for a lower price. Refer to the North Dakota University System website for the requirements that alternate insurance policies must meet in order to be considered comparable to the NDUS designated insurance plan.

Waiver Application Process
Admitted and enrolled students will receive an email approximately one month before the start of fall and spring semesters with instructions on how to submit a request to waiver the NDUS designated insurance plan. Waiver requests for the 2019 spring semester can be submitted through January 16, 2019. If a waiver request is not approved, the student will need to immediately pay the full mandated insurance price for the NDUS Policy.

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 January 7, 2019 (lc)