International Student Services

Insurance and Healthcare

Medical Insurance

Medical expenses in the United States are very expensive, and the University is required to guarantee medical insurance to all international students on the F-1 or J-1 visa status.  The University contracted the most cost effective medical insurance with Lewermark International Student Insurance.  Students receive information during orientation, and the insurance cards may be printed at or pick one up from the ISS office.  Please keep your insurance card in your wallet with your ID and carry it with you. 

2015-2016 insurance cost/premium each semester

Semester Coverage Period Student Student & Spouse Per Child
Fall 2015 Aug 15, 2015-Jan 11, 2016 $483.98 $848.70 $364.72
Spring 2016 Jan 12, 2016-May 10, 2016 $387.19 $678.96 $291.78
Summer 2016 May 11, 2016-Aug 14, 2016 $309.75 $543.17 $233.42

Insurance waivers are generally granted to government sponsored students such as the Saudi Arabia Cultural Mission, Kuwait Cultural Mission, and the Omani Cultural Mission.  Also, students from Sweden with the national insurance coverage may be exempted.  Provide proof of insurance coverage translated into the English language.  



Students should visit Esry Student Health Center for every non-emergency health concern.  Most services, medicine and/or immunization given at the center will be charged directly to LewerMark insurance company.  Therefore, normally, at no cost to students.  The center is open from Monday-Thursday from 8:00 a.m. – 4:30 p.m.. For more information, please visit the website.
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 of $20 or $30, which is called a co-pay.  Please see the information below for location and business hours:    


Heartland Urgent Care
Address: 1115 North Belt Highway, St. Joseph, MO 64506
Phone: (816) 271-7077;   Fax: (816) 271-0421
-Saturday: 9:00 a.m. – 7:00 p.m.
unday: 9:00 a.m.  – 2:00 p.m.