Understanding health insurance and navigating health services can be complicated matters in the United States.
Health Insurance for International Students
Health insurance is a requirement of the North Dakota University System Policy for all international students. North Dakota state law mandates that all international students MUST purchase the state health insurance plan, unless a completed waiver application has been approved by the ECI company.
- Within about a week of enrolling in classes, students should receive an email from the ECI company account, ECI Elev834. That email will allow you opt in to the United Health Care plan or apply for a waiver
- Opting in to the coverage will allow you to enroll
- If you wish to apply for a waiver, you will need all of your insurance information
ready. If your waiver application is denied, you will need to opt into United Health
Care and pay the fees.
- The deadline to apply for a waiver is January 20, 2021, for the Fall 2020 Semester
The premiums for the coming 2020 - 2021 Academic Year will be:
- Fall (August 16, 2020-December 31, 2020): $748
- Spring/Summer (January 1, 2021-August 15, 2021): $1230
- Annual (August 16, 2020-August 15, 2021): $1978
This is an approximate 30% reduction from last year's premium! This plan continues to provide excellent coverage in case you are sick or in an accident while you are in the U.S.
In order to receive a waiver, the alternative coverage must meet very specific criteria, and the coverage will be reviewed closely. Due to changes in the waiver criteria, students who received waivers in the past may no longer qualify. Be prepared to only qualify for a wavier if you have employer-sponsored coverage or national mandatory coverage that is considered comparable to the North Dakota University System provided insurance policy. Students from Canada and Norway are still considered exempt from the insurance requirement.
Health care in the United States is expensive, and the individual is responsible for paying the medical costs. The government does not pay for it. Having heath insurance protects the individual by helping pay the medical expenses if he/she should become ill or be involved in an accident. For these reasons, all international students studying in North Dakota are required by the North Dakota University System (NDUS) to purchase the North Dakota state-mandated health insurance policy.
The UHC insurance plan must be paid by January 27, 2021 for the Spring 2021 Semester. For more information, please go to the NDUS website.
Students with unpaid health insurance charges will be disenrolled from courses. The health insurance charge can be paid prior to or upon arrival at the University of North Dakota.
Dental and Vision
Dental and vision insuance can be purchased separately. The enrollment period is August 1, 2020 to August 15, 2021. Please see the rates below.
Student + spouse: $486.17
Student + children: $653.30
Student + family: $954.66
Student + spouse: $257.52
Student + children: $302.16
Student + children: $424.92
Health insurance for dependents (spouse and/or children) is not mandatory, but is strongly recommended. Please talk to your advisor once you arrive about purchasing additional health insurance for dependent family members. If you wish to add dependents to the UND health insurance plan, this must be done within 30 days of the start of the insurance plan or of their arrival in the United States, whichever is later.
The follow is a list of general health services provides in the Grand Forks area:
UND Student Health
Located in McCannell Hall (Behind Memorial Union)
Your $50.00 deductible is waived when you go to Student Health first.
Altru Health System
1000 S Columbia Rd
621 Demers Ave NW
East Grand Forks
Other specialty clinics and dentists are in Grand Forks.