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.  Read details regarding health care plan, urgent care information, medical emergency, etc. at your convenience.  Estimated cost each month is $103.38.

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.

Keep your insurance card in your wallet with your ID and carry it with you AT ALL TIME.  Also, it is 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 online.  Go to and click on “Student Login for ID Card”.  Also, student MUST update/change password before printing the insurance card.  Read step-by-step instructions HERE

Cost of  Student Medical Insurance 2017-2018 (determined by the University’s Business Office)

Semester Coverage Period Student Student & Spouse* Per Child*
Fall 2017 Aug 15 – Dec 31, 2017 $472.43 $848.70 $364.72
Spring 2018 Jan 1 – May 14, 2018 $455.42 $678.96 $291.78
Summer 2018 May 15 – Aug 14, 2018 $312.68 $543.17 $233.42

*Indicates 2016-2017 estimates.  Request updated information from at your convenience.

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

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.  The ISS office reserve the right to request proof of insurance coverage translated into the English language at any time.  

Esry Student Health Center (University on-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 May 30, 2017