Health Insurance Requirement

 All international students are required to have health insurance during their stay in the United States. However, there are several options that are available to students. 

Health insurance for international students works very differently than in many other countries. Below is a short video that explains what health insurance is and what most plans will cover. 

When choosing a plan, it is important to consider the following: 

  • price and affordability of the plan
  • coverage amounts
  • cost for doctor and hospital visits
  • any medical conditions you have and how your plan with cover your needs. 

Options for Health Care Coverage

Students are able to choose their health care insurance provider. UWG students are automatically enrolled in an United Healthcare Plan. However, students who choose to buy insurance in their home country or another private insurance company can waive out of the United Healthcare Plan. 

Several private companies also offer insurance options for international students.
PSI Health Insurance

  • Plans starting at $39 per month.
  • If you have any questions or concerns please email Mark Khoury at
  • Minumum Requirements 
    Minimum Requirements

    The University System of Georgia (USG) implemented a new requirement in Fall 2006 that requires all international students to have health insurance which meets certain minimum requirements.The University System of Georgia requires all students in the above categories to have reasonable, comparable, creditable coverage to the current system-wide student health insurance plan provided. The following benefits must be included in your plan to be considered for a waiver.

    International Insurance Requirements:
    • Accident and sickness coverage of at least $250,000 per policy year
    • A deductible not to exceed $500 per accident or illness, per policy year
    • Medical evacuation to one's home country in the amount of least $50,000
    • Provision for repatriation of remains of at least $25,000
    • In effect for the entire time you will be in the USA.
  • United Healthcare Plan
    United Healthcare Plan

    USG (The University System of Georgia) has contracted United Healthcare to provide this insurance, which will automatically be charged to your UWG account.

    For more information about the rates for Mandatory Plans, please see:

    Enrolling in the Insurance Plan

    The insurance charge will automatically be charged to students' accounts. Although students are automatically charged for the insurance, you will need to enroll online to activate coverage. To enroll, students will go online to:

    If you do not obtain the insurance OR do not receive a waiver from United Healthcare, your classes will be dropped. We assure you this is not something we want to have happen. You have until fee payment deadline each semester to receive an approved waiver or pay the fee and enroll.

    Policy Requirements

    The policy requires that students first visit UWG Health Services (except in cases of emergencies, when Health Services is closed, when treatment is received 30 miles from campus, or you require treatment for maternity or psychotherapy). The purpose of this requirement is to help save you time and money.

    The Department of Health Services provides a wide range of services, including free or low cost prescriptions for many medications, and is open 8 a.m. to 6 p.m., Monday through Thursday, and 8 a.m. to 5 p.m. on Friday, during the regular academic year. You can visit Health Services without an appointment. For more information about the Department of Health Services, please visit online or call 678-839-6452.

    If you have questions, you can consult the USG website for more information. 

    Contact United Healthcare

    Plan Information
    United Healthcare Student Resources
    2301 West Plano Parkway, Suite 300
    Plano, TX 75075

    Mail your claims to:
    United Healthcare Student Resources
    P.O. Box 809025
    Dallas, TX 75380-9025

    Customer Service - 1-800-767-0700


  • Waiving Out of the United Healthcare Plan 
    Waiving Out of the United Healthcare Plan

    If you already have health insurance, or choose to go with a private company of your choosing, you may waive out of the university's plan. To do this, you must submit a waiver request to United HealthCare, who will decide if you are exempt from purchasing the policy. You will need to have your insurance policy information readily available when you start the waiver process.

    1. Log on to Click on the 'Waiver Form' link on the bottom of the page. Fill out the form(s) set up for your institution.
    2. The USG’s current provider will receive your request for a waiver and you will receive an email and a confirmation number verifying that you have successfully submitted your waiver. If you do not receive this email, resubmit your waiver request.
    3. Your request is then sent for verification.
    4. Your insurance plan will be verified that it meets the current requirements using the University System of Georgia approved minimum requirement guidelines.
    5. Once your request is reviewed, an email is sent either stating your plan has been approved or has been denied. If approved, the school will remove the charge from your tuition bill. If denied, the email will state the reason(s) why your plan is not approved.

    Please note that the ISAP office does not have any authority over insurance waiver approvals or denials. We are avaliable to assist students with filling out the waiver form, but our office is not able to approve or deny requests. This is done through United Healthcare.