International students and scholars on F1 / J1 visas are automatically enrolled in the  United Health Care (UHC) student insurance plan each Fall and Spring in order to comply with University System of Georgia requirements.  Summer coverage is included with Spring semester.  Links to plan details are provided below.

Alternate Plans: In order to use an alternate plan, students must request a  waiver though the UHC waiver portal within payment and waiver request deadlines each semester. ISAP recommends paying for the UHC plan first.  If your waiver plan is approved, UWG will automatically refund the UHC premium.  Please see below.

Coverage Periods:

  • Fall:  August 1 - December 31
  • Spring & Summer:  January 1 - July 31  

Video: U.S. Health Care & Why Insurance is Required

Minimum Insurance Requirements

  • Please see this USG link for details: 
  • The following two question and answers were provided by United Health Care, Nov. 13, 2020:

    Q1. I enrolled in an international health insurance plan that met the waiver requirements last year, but it's being denied this year. Why? 

    USG made changes to its international student waiver requirements for the ‘20/’21 Academic Year.   These changes included requiring that waiver plans must be an Affordable Care Act (ACA) compliant plan to ensure international students have adequate healthcare coverage in the United States in case they experience a medical emergency or serious health condition.  An ACA compliant plan must include coverage for essential benefits with no lifetime or annual benefit maximums and must adhere to the consumer protections built into the ACA.  To be considered ACA compliant, the plan must be underwritten by a licensed carrier in the United States. 

     Q2. Why must international students enroll in ACA compliant plans? International students don’t need this type of coverage, do they?

    Many international plans offered in the United States do not provide comprehensive coverage if an international student were to experience a medical condition or a life-threatening accident or illness.  In some cases, these plans do not provide basic coverage for doctor’s or specialist’s office visits.  In order to ensure international students are enrolled in healthcare coverage that provides adequate benefits in the United States, we made the change this year to require enrollment in SHIP or other ACA compliant coverage.  

    Q3. My waiver was rejected. Who can I contact? 

         UWG is not involved in the waiver process or decisions. To appeal, please contact the University System of Georgia directly at: Be sure to include your name, institution any supporting documentation.         

Waivers and Alternate Insurance

  • Spring 2021 Waiver period ends: Jan. 22, 2021.
  • To request a waiver of the UHC plan, please see below. UWG is not involved in the process. 
  • State employees cannot recommend external vendors or services. It's the student's responsibility to research and select a waiver-eligible plan if they would like.
  • Outside the US? If you are outside the U.S. and enrolled in UWG courses full-time in F1 status under Covid pandemic adaptations, you are eligible for a waiver that we can manually process at the campus level. If so, please submit this "Out of Country Waiver Request" form. Email Paul Sargent, if you have questions. 


  • United Healthcare (UHC) Plan
    United Healthcare Plan

    The University System of Georgia provides high quality health insurance coverate that meets all international student requirements though its contract with United Healthcare, Inc.  


    UHC Health Insurance Rates 2020-2021

    • Student Annual:  $2808
    • Spouse (husband or wife) Annual: $3089
    • Children Annual: $3089 per child
    • Athletes Only, $90K Sports Rider:  $884
    • Students: Fall Semester Only (August 1, 2020 - December 31, 2020)
      • $1,177
      • Open enrollment / Waiver period - July 15th, 2020 - September 9, 2020

    Activate Your UHC Coverage

    Activate the plan here:

    • ATTENTION: Failure to pay for the health insurance or complete the waiver process by the fee payment deadline will result in all classes being dropped, which can affect your immigration status. 

    Submit a Claim to UHC for Reimbursement

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

    Customer Service - 1-800-767-0700 

  • Waiver Request 
    Be Aware: 
    • Insurance waivers are for 1 semester only and do not renew automatically. 

    • Summer semester is included in the Spring Semester coverage; there is no separate fee or refund for summer semester insurance. 

    • All waiver requests are processed through UHC. UWG is not involved. To appeal your waiver denial, please email the University System of Georgia directly at: .  Be sure to include your name, institution and any supporting documentation you may have.
    • You are advised to pay your FULL UWG balance, including UHC insurance by the payment deadline. If your waiver is approved, you will automatically recieve a refund.  If your waiver is not approved, there will be no gaps in coverage and no risk of enrollment drop. 
    1. Log on to
    2. Click 'Waiver Form' at the bottom. Select institution and complete the form. 
    3. UHC receives and confirms waiver request.
    4. Request is Reviewed by UHC.
    5. You will recieve an approval or denial email. If approved, UWG will remove the fee from you student account in 3-4 business days and refund the premium if you already paid it.

    Please note that the ISAP is not involved in the waiver or billing process.