Health care expenses such as those associated with illness, accidents, or mental health care might jeopardize a student’s degree progress, or even destabilize their financial situation. Having health insurance reduces potential barriers which might impact attendance, research progress, and overall success. Michigan Tech requires all international and graduate students to hold comprehensive health insurance, and U.S. citizens are required by law to hold health insurance. All students must have proof of health insurance to confirm enrollment, without which their account will remain locked.
Given the crucial nature of health insurance for all graduate students, GSG continues to work on improvements in university-offered insurance. Recent successes increased the health insurance subsidy from 75% to 100% for fully supported graduate students and added a 25% subsidy for dependents of graduate students. Additionally, GSG bargained for an improved benefits plan with a minimal deductible, dental and vision coverage, and coordination of benefits with other providers. These improvements were a culmination of GSG’s multi-year sustained advocacy efforts on behalf of graduate students. Building off of this momentum, GSG continues to push for more long-term improvements.
Partial or full support can come from an assistantship (GTA, GRA, GA, GTI, etc.), a fellowship (finishing fellows, KCP, Fulbright, etc.), or a scholarship (including home country scholarships). Fully-supported students receive 100% subsidized health insurance, currently through MTU’s Blue Cross Blue Shield (BCBS) student plan. For the 2021-2022 academic year, the annual premium is $1,660 for an individual, and insured dependents of fully-supported students receive a 25% subsidy.
Tuition-only (partially-supported) and hourly (unsupported) students do not receive subsidized health insurance. These students may opt for MTU’s student health insurance plan or choose a different plan that suits their needs.Graduate students should confirm health insurance requirements are met about two weeks before classes begin. Students without full support must submit an insurance waiver in order to confirm enrollment. Even fully-supported students, who pay $0, must confirm acceptance of university insurance by going to MyMichiganTech > Payments > Pay Insurance. Without proof of insurance, graduate students will be unable to pay tuition, fees, and/or confirm enrollment.