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Healthcare

Health Insurance for F-1 Students

The University of Oklahoma (OU) policy requires that F-1 international students and their accompanying F-2 dependents purchase and maintain hospital, medical and repatriation insurance. Coverage must be "entry to exit," covering the entire period of your time in the US in your student visa status.

If students are not currently covered by a qualifying insurance policy they must purchase the university-sponsored insurance plan administered by Academic Health Plans. Students may purchase the plan during the open enrollment periods at https://ou.myahpcare.com/.

Waiver Process

Students covered by a qualifying plan other than the university-sponsored plan may choose to waive (decline) the Student Health Plan offered by OU. In this case students must complete the waiver application on the Academic Health Plans website.  The waiver process must be completed for each semester in which you wish to waive the OU Student Health Insurance Plan. The deadline to do so is typically within the first few weeks of each semester. If you miss the deadline to request a waiver or your waiver request is denied, you will be automatically enrolled in the OU Student Health Plan, and will be charged the fee.

Waiver Requirements

The insurance policy must fall under one of these guide lines:

  1. Sponsored by the students home country.
  2. Sponsored by a group employer plan (such as a parent’s employers plan)
  3. Sponsored by your home university


If the student’s policy meets one of the guide lines listed, it must also satisfy all the requirements listed below in order to be approved.

  • Medical benefits of at least U.S. $50,000 for each illness or injury
  • Annual deductible of no more than U.S. $500
  • Covered benefits paid at a minimum of 75%
  • Repatriation of remains at least U.S. $7,500
  • Medical evacuation of at least U.S. $10,000
  • Policies cannot exclude payment for any alcohol related injuries or any other unreasonable policy limitations
  • Policy must include the list of exclusions

For further information, contact the Student Health Plan office by phone at (405) 325-2961

For more information on OU's Health Insurance Plan, please visit https://ou.myahpcare.com/ or www.hr.ou.edu and click on student health.

Note: Enrollment in the Student Health Plan does not mean that you will receive free prescriptions. You will be required to pay a small fee, called a copay, each time you purchase a prescription drug, even if you do so through the university Goddard Health Center.

Health Insurance for J-1 Students

US Department of State regulations require that all J-1 students and their accompanying dependents purchase and maintain adequate health and accident insurance, with the current minimum coverage guidelines:

  • Medical benefits of at least $100,000 per accident or illness;
  • Repatriation of remains in the amount of $25,000;
  • Expenses associated with the medical evacuation of exchange visitors to his or her home country in the amount of $50,000; and
  • Deductibles not to exceed $500 per accident or illness.

It is a violation of J-1 status to fail to maintain health insurance coverage that meets the above guidelines. All international students and their accompanying dependents must purchase health and accident insurance coverage before they can enroll at OU.

Students are encouraged to purchase the university-sponsored insurance plan that is administered by Academic Health Plans. The OU Student Health Plan Office must verify the health insurance coverage of new and continuing students. Students who maintain health insurance coverage by an insurance plan other than the university-sponsored plan must complete an online waiver request form here.  For detailed information about insurance waiver requirements, please review the information about Student Health Insurance Waivers on the OU Human Resources website. Only certain types of health insurance coverage will qualify the student for a waiver of the university-sponsored student health plan. International students must verify health insurance coverage at the beginning of each semester.

For further information, contact the Student Health Plan office by phone at (405) 325-2961.