Insurance

The University of Missouri-Kansas City makes available a Student Accident and Sickness Insurance Plan, which is currently administered by Aetna Student Health. The policy can be purchase annually or by semester.


This plan is optional for domestic students and students on visas other than F-1 and J-1. For International Students on F-1 and J-1 visas, coverage is mandatory (unless eligible for a waiver) and automatic upon academic enrollment.


UMKC offers this plan because we believe that all students should have health coverage.

Note: All UMKC students are eligible to use Student Health and Wellness regardless of their insurance status. When indicated, Student Health can refer students to a specialist care within the Aetna network.


For information regarding this plan, visit the Aetna Student Health Web site. Domestic students may enroll on-line or by phone. Students already enrolled may access their account from the Aetna Student Health Navigator.



Frequently Asked Questions


As an International Student, am I insured?

All International students are insured; the cashier charges the fee to your account. It may take awhile to get your insurance card. The health insurance is through Aetna Student Health.

Do I need to have insurance to be seen at Student Health & Wellness?

You do NOT need to use insurance to be seen at Student Health & Wellness. The is no visit charge. However, insurance will cover most charges at Student Health except immunizations. If you have Student Health charges, you will need to pay cash, check, or charge to your student account when you finish the visit and then submit a claim to Aetna Student Health for reimbursement. There is no deductable or co-pay for Student Health charges.

What do all those insurance terms mean?

  • Deductable
    • The amount you pay at the beginning of each insurance year (starting August 1) before the insurance pays: $100 with a Student Health referral; $250 without a referral. There is no deductable for Student Health charges.

  • Co-Insurance or Co-Pay
    • Insurance pays 80% of covered costs, you pay 20% this is called a co-pay.

  • Referrals
    • If you are seen in Student Health and need specialist care or other care, you will receive a referral to a specialist. You can a specialist without a referral, but it will cost a higher deductible ($250 vs. $100)

  • Preferred Provider
    • A health care provider who is in the Aetna Network (also called in-network). If you are referred through Student Health, you will receive a list of Aetna preferred providers. You can also find this list of providers in the Aetna network in "DocFind" on the Aetna website. The co-insurance or co-pay is higher (50%) with an out-of-network or non-preferred provider.

What is the prescription benefit with the Aetna Student Health Plan?

Any prescription will cost a co-pay of $10 per prescription for a generic medication and $20 per prescription for a branded drug. There is a maximum of $1500 per year pharmacy benefit and this represents the difference between the co-pay (what you pay) and the cost of the medication. This only becomes a problem if the student is on an expensive medication. Insurance does not cover non-prescription (over-the-counter) medications. Take your insurance card with you when you go to the pharmacy.

How do I use the Aenta Student Health Plan outside of Student Health & Wellness (other provider or referral)?

  • Take your insurance card with you to the office visit.
  • The office will bill Aetna for your charges.
  • You will receive a letter from Aetna stating what they paid (Explanation of Benefits) and what your costs are. Aetna will pay the office directly
  • You will receive a second bill from the Provider office for the deductible or co-pay (fees not paid by insurance), you must pay this bill. Some offices will ask that you pay the co-pay at the time of service.

Where may I get more assistance with insurance?

Where can I get a temporary insurance card?

You may print a temporary insurance card by visiting the Aetna Student Health website and clicking on the "Print Your ID Card" option in the left menu.