International Student Services

Insurance and Healthcare

Medical Insurance

The cost of health care, services, and medical expenses in the United States is generally very high, and the University is required to guarantee medical insurance to all international students on the F-1 or J-1 visa status.  Therefore, students are required to purchase University’s insurance.  The University contracted the most cost effective medical insurance with LewerMark Student Medical Insurance.  

Please keep your insurance card in your wallet with your ID and carry it with you.  It is also a good idea to take a picture of the insurance card on your smart phone; while you may forget to carry your wallet, nobody forgets their mobile phone!  The insurance cards may be printed at  Instructions on how-to-print the insurance card will be sent to student by email as soon available at the beginning of each semester.   

Cost of  Student Medical Insurance 2016-2017 (determined by the University’s Business Office)

Semester Coverage Period Student Student & Spouse* Per Child*
Fall 2016 Aug 15, 2016-Jan 16, 2017 $528.64 $848.70 $364.72
Spring 2017 Jan 17, 2017-May 29, 2017 $453.60 $678.96 $291.78
Summer 2017 May 30, 2017-Aug 14, 2017 $262.63 $543.17 $233.42

*Indicates 2015-2016 estimates.  You may request updated information from for a follow-up.

Students who are international student athletes are expected to maintain sports insurance through the University.  The United Health Care insurance is typically a little more expensive because it covers a variety of costly athletic injuries.  Please direct any questions to Blaise Kriley, Athletic Trainer, by calling 816-271-4597 or send email to

Each semester, the Business Office adds the cost insurance premium to students’ account or billing.  Normally, the amount is added during the first week of the semester or after classes begin.  Therefore, plan or budget your finances accordingly.  According to immigration regulation and our expectation, it is EACH students’ responsibility to take care of any educational related expenses incurred while enrolled at the University.

Students who are sponsored by their governments such as the Saudi Arabia Cultural Mission, Kuwait Cultural Mission, and the Omani Cultural Mission, are generally exempt from the University insurance.  Also, students from Sweden with the national insurance coverage may be exempted.  The ISS office reserve the right to request proof of insurance coverage translated into the English language at any time.  

Esry Student Health Center on University campus
Students should visit Esry Student Health Center for every NON-emergency or NON-urgent health concern.  Most services, medicine and/or immunization given at the center will be charged directly to the appropriate insurance company, normally, at no additional or out-of-pocket cost to students.  However, students are charged fees if he/she missed health appointments.
Location: Blum Student Union, Room 203
Phone: 816-271-4495
Clinic hours: Monday-Thursday, 8:00 AM – 4:30 PM
Office hours: Monday-Friday, 8:00 AM – 4:30 PM

Heartland Urgent Care
The city of St. Joseph has the Heartland Urgent Care that you can visit without an appointment. When you go to the doctor’s office, you might have to present your ID (a passport or a driver’s license) and insurance card. Also, even if you have insurance, you may need to pay a small fee normally under $50, which is called a co-pay or out-of-pocket expenses.   
Address: 1115 North Belt Highway, St. Joseph, MO 64506
Phone: (816) 271-7077;   Fax: (816) 271-0421
Hours: Monday
-Saturday 9:00 a.m. – 7:00 p.m., and Sunday 9:00 a.m.  – 2:00 p.m. 
Last edited on November 29, 2016