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International Students

Health Insurance at the Downtown Campus

The University of Colorado Denver has a mandatory health insurance policy for all enrolled international students in the non-immigrant visa categories of F-1 and J-1. While many other countries bear the expenses of health care for their residents, individuals in the United States are responsible for these expenses themselves. Healthcare in the U.S. can be very costly and a single visit to the emergency room can cost thousands of dollars. Therefore it is important to have a good insurance policy that gives students access to medical facilities and provides protection against the high cost of healthcare.

How does insurance work at CU Denver?

  • Any international student with an F-1 or J-1 visa is automatically enrolled in the CU Denver International Student Health Insurance plan as soon as they enroll in classes. (Some sponsored students who received health insurance from their sponsors that has been approved by the university are then removed from the university's insurance plan.)
  • You will receive your health insurance information via email from United Healthcare.
  • With the university's International Student Health Insurance you can visit the Health Center at Auraria​ without having to pay a copay or deductible for office visits. You will have to pay a copay for medication. (The Health Center at Auraria is located in Plaza Building, Suite 150.)
  • Students may add dependents by filling out an enrollment form each semester, or by enrolling them online. Please note that dependents are eligible to enroll only within 30 days of birth or arrival in the U.S.
  • Students on OPT who were enrolled in the insurance plan in the semester immediately preceding the start of OPT are also eligible to enroll on the CU Denver Student Insurance plan. 

Student Insurance Rates 2018/19:
Fall (08/01/2018-12/31/2018) $923
Spring/Summer (01/01/2019-07/31/2019) $1,293
Summer (06/01/2019-07/31/2019; for new students only) $369
For benefits and dependent coverage please see the brochure


CU Denver Waiver Policy

How does it work?

  • Students have the option to purchase their own insurance plan and waive the CU Denver plan if it meets the minimum requirements that are set by the University of Colorado Denver. (Requirements are listed below.)
  • Waiver requests must be submitted electronically each fall and spring semester.  You must provide proof of your own health insurance.
  • It is mandatory that your health insurance policy starts no later than the first day of the semester and covers you for the entire time that you will be in the U.S., including holidays and semester breaks.
  • Beginning August 1, 2018, you may submit a waiver for the fall 2018 semester. The deadline to submit a waiver for fall 2018 was September 5, 2018.

What are the requirements to get my insurance waiver approved?

Your insurance must meet ALL the requirements listed below: 

  • Annual deductible cannot exceed $500.00
  • Medical benefits of at least $1,000,000.00 per plan year with no internal (per service) dollar limits or per visit limits for specific benefits; this includes preventive care benefits and mental health benefits
  • Co-insurance cannot be less than 75% for Preferred Provider (PPO) networks and access to non-emergent and non-urgent network providers in the Denver metro area
  • Repatriation of remains in the amount of $25,000.00
  • Medical evacuation benefits to student’s home country of at least $50,000.00
  • No pre-existing condition limitations
  • Coverage for maternity regardless of when a student becomes pregnant
  • Coverage of suicide and self-inflicted injury (intentional or non-intentional)
  • The health insurance company is a U.S.-based carrier or entity underwritten by an insurance corporation with an A.M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-I" or above, a Standard and Poor's Claims Paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of B+ or above, the plan must be underwritten in the U.S. (plans underwritten by offshore companies that are subsidiaries of U.S. or non-U.S. insurance corporations do not meet this requirement), and the participant’s policy being offered by the insurance carrier or entity must be compliant with all the guidelines of the Patient Protection and Affordable Care Act.
  • The claims administrator must be based in the U.S.
  • The policy must be active at all times when the student is in the U.S. as a student of CU Denver, including upon arrival in the U.S., during semester breaks, and on or before the first day of the semester. 

Before purchasing alternative insurance, be sure that all of the above requirements are met, especially preventive care and mental health benefits.


Where do I submit my waiver request? 

Waiver requests must be submitted through the waiver request portal.

How do I enroll? 

All international students with an F-1 or J-1 visa who have not received an approved waiver will be automatically enrolled in the university’s insurance. Coverage will be effective Aug. 1. You will receive your enrollment materials in mid-September. If you need your insurance materials earlier, you can enroll immediately by visiting studentcenter.uhcsr.comIf you are an international student enrolling your dependents, you may also enroll them at

If you are an OPT or ESL Academy student, you may enroll yourself and any dependents, and pay for coverage at To register online, go to, scroll down and click on “Enroll Now” in the lower right corner. Then choose the appropriate coverage.

To purchase Medical Evacuation & Repatriation (MER) coverage, go to the American College Student Association​ and “enroll now”.  

Where can I get additional help?

For questions or to schedule an appointment with the health insurance office, please email

Office Location: 

Office of International Affairs

1380 Lawrence St

Suite 932

Denver, CO 80204

Mailing Address:

Campus Box A005/185

P.O. Box 173364

Denver, CO 80217-3364


Additional Forms


The master policy on file at the university contains all the provisions, limitations, exclusions, and qualifications of the plans, which may not be included on the web pages. The master policy is the contract and will govern and control the payment of benefits.  

The information on this website is intended to provide guidance to the benefits of the insurance and how to utilize its services. It in no way constitutes a guarantee of payment for claims submitted to the insurance company.