Student Health Insurance Graphic

All F-1 and J-1 students and their dependents in the US are required to have health insurance.   The University of Maine at Farmington offers a comprehensive benefit plan.  We recommend that students choose this plan but students may waive the UMF plan if they have an alternate plan that meets our criteria (criteria listed below).

Click here to access the Gallagher portal which includes information about the plan (in the “Plan Details” section). Students will also use the portal to enroll in the plan or to waive the plan (in the “Plan Summary” section).

The deadline for waivers is October 1, 2021 for fall and March 1, 2022 for spring.

Click here to learn more about health insurance and the US healthcare system.

Health Insurance Enrollment Options:

Enroll in UMF plan:  Click here to enroll.  Login with your UMF login information.  You must be enrolled in classes to login.

Auto-enrollment in UMF plan: If you do not request a waiver by the deadline you will be automatically enrolled in the UMF plan. The charge will be added to your bill and you will be expected to pay.

Waive the UMF insurance by submitting alternate plan information:  Click here to waive plan.  You must complete the waiver request form which includes information about your alternate plan before the deadline ( October 1, 2021 for fall and March 1, 2022 for spring).  No waiver requests will be accepted after the deadline.  If you miss this deadline you will be charged for the UMF plan.

Minimum Required Levels of Coverage
  • Medical benefit of at least $100,000 per accident or illness;
  • $50,000 to cover expenses associated with the medical evacuation;
  • $25,000 for the repatriation of remains
  • The deductible cannot exceed $500 per accident or illness.
Cost for the UMF insurance plan for the upcoming academic year:

Updated insurance costs will be coming soon.

Coverage Plan
Effective Dates
Annual                   (12 month) $2,386.00 August 1 – July 31
Fall Semester          (6 month) $1,001.00 August 1 – December 31
Spring Semester    (6 month) $1,385.00 January 1 – July 31

Frequently Asked Questions (FAQs)
What if I need to use my insurance, but have not gotten my ID card?

You should enroll in the insurance plan as soon as possible. Insurance ID cards are available immediately upon enrollment through the student account (the only exception is if you are enrolling for the first time. Then you will need to create your student account and your cards will be available within 24 hours).

The UMF Student Health Center can verify your enrollment in the Student Health Insurance Plan and you can be seen and later present your ID card. Some doctor’s offices offer delayed billing, which means that you can visit the doctor and then pay the bill at a later time. When your proof of insurance cards arrive you can bring them to the doctor’s office and they will remove any charges that are covered by the insurance plan.  Be sure to discuss your situation with someone in the doctor’s office before your visit. In some offices delayed billing is not available. In those cases you must pay the full price for your visit. After you receive your proof of insurance cards, you can work with the insurance company to be reimbursed for the amount that should have been covered by the insurance plan.

If you need prescriptions you will have to pay the full price of the prescription. Then, after you receive your proof of insurance cards, you can work with the insurance company to be reimbursed for the amount that should have been covered by the insurance plan.

Why do I need to have health insurance?

American health care is very expensive and you must have appropriate insurance coverage.  If you fail to obtain health insurance to cover your medical costs you will be responsible for paying your medical bills in full.  Even simple medical procedures can amount to thousands of dollars.

Are exchange students required to have health insurance? And what is the process?

Yes. The US Government requires all exchange students to have minimum levels of coverage during their stay in the US. These requirements are listed above. All exchange students are enrolled automatically in the UMF International Insurance Plan for the full academic year. If you are an exchange student for only one semester at UMF, you can adjust the dates of your UMF insurance coverage by submitting the Request for Coverage Form link at the top of this page.  Yearlong exchange students must have health insurance for the full year.

What if I have my own insurance?

Any alternate insurance plan must meet at least the Required Levels of Coverage listed above and the plan must be valid for the entire time that you will study at UMF. Please remember that you get what you pay for. Be sure to read the entire plan before choosing it. It may not cover important items that you may need such as ambulance services.

Anyone wishing to use an alternate insurance plan should fill out the Insurance Waiver through the insurance website (link provided above). If the request is approved, the charge for the health insurance plan will be removed within a few days.

Can I have health insurance for only one semester?

Only exchange students enrolling at UMF for one semester or students graduating in December can have health insurance coverage for less than one year. All other international students must have health insurance for the full year.

How do I know if my plan meets the minimum coverage levels?

Since the Office of Global Education does not employ anyone who specializes in insurance we are unable to assist in reviewing and approving insurance plans. Any questions should be directed to the insurance company that administers the plan.

When will I get my insurance ID cards?

During the enrollment period (dates TBD) you must fill out the enrollment request form (link to Gallagher Insurance website provided above). Within 48 hours of submitting the form you will receive an email in your account with instructions on how to access your ID card. You must make sure that you have a Maine address entered on your Student Center in your MaineStreet account, as your card will be mailed to you.

Where can I find information about other plans that meet the minimum requirements?

Online full medical insurance policies (non-supplemental) to meet the above requirements can be purchased at  ISO International Student Insurance. The Compass PPO Plan is a good option for F-1 students. The J1 Exchange/J1 Exchange Superior are both good options for J-1 Students/Scholars.

Are J-1 Exchange Visitor Language Assistants and Scholars covered by the UMF international student health plan?

No, you will be covered by the UMF staff/faculty health plan. Because that plan does not meet the minimum requirements listed above, you will also need to purchase supplemental insurance to meet the above Department of State requirements.  Visit International SOS and select the International SOS Visitor USA membership.

UMF Student Health Center


Scott Hall, North Entrance
(the right-hand side of the building as you look from Main Street)


The UMF Student Health Center is open when University is in session during the Fall and Spring semesters.

  • Monday & Tuesday  8:30am – 4:00pm
  • Wednesday  9:30am – 4:00pm
  • Thursday & Friday  8:30am – 4:00pm

Administrative staff available Monday – Friday, 8:00am – 8:30am

Visit the UMF Student Health Center website for more information.

How to use the Student Health Center

To see the nurse for colds and other acute illnesses and injuries, you can simply walk in and be seen on a first-come, first-served basis. Physician visits are by appointment; please call in advance to schedule pap smears, physical exams for sports or employment, or general health evaluations.

UMF’s Student Health Center provides a full range of primary health care services, including care for acute illness or injury, help in managing chronic health problems, and preventive health care. All students with billable insurance can have up to three visits per semester without a co-pay charge. After three visits, you will be charged the co-pay amount associated with your insurance plan. Students with insurance that we cannot bill or who fail to present a health insurance card will be charged $20 for every visit. Students who have not met their annual insurance deductible or if your insurance company denies a submitted claim, will be charged $20 for the office visit. Students never have to pay up-front for services; they may have any charges added to their student account.

UMF Health and Wellness Fee

All Students will pay a mandatory UMF health and wellness fee of $25 per semester.