Student Health Insurance
Miami University requires all full-time Oxford students to be covered by health insurance at all times. Miami University's health insurance is provided by UnitedHealthcare Student Resources (UHCSR).
Miami University requires all full-time Oxford students to be covered by health insurance. All Oxford students registered full-time when the fall semester bill is generated are charged for health insurance unless they complete and receive approval for a student health insurance waiver.
This process must be completed every year for full-time Oxford students. The deadline for students registering for fall 2026 is August 1.
The form to enroll in or waive student health insurance is typically available in early July.
Visit the student health insurance website to waive coverage, enroll, or learn more (opens in a new window and links to an external vendor). Use a laptop or desktop computer to complete the process. Google Chrome is recommended. The site will request the student's Miami email address (UniqueID@MiamiOH.edu) and date of birth to access the site.
Note: Student Health Services is available to all students registered for classes. If you do not use the student health insurance plan, contact your insurance company to confirm Miami University with TriHealth is a covered provider.
You can call 1-833-789-3458 between 8 a.m. and 4:30 p.m. (EST) with questions. You can also email questions or concerns to MUInsuranceAdvocate@uhcsr.com.
Regional campus note: Regional students are not required to participate in the annual waiver process, but you can voluntarily purchase and enroll in the university-sponsored plan by emailing MUInsuranceAdvocate@
International Students
Miami requires all international students registered at Miami to enroll in the Miami-sponsored insurance plan each academic year. All eligible international students will be automatically enrolled in the student health insurance plan. Please see the International Student Scholar Services (ISSS) page on health insurance for more information.
Pathways Students
Miami requires all Pathway students to be covered by health insurance. All eligible students will be automatically enrolled in the Miami-sponsored insurance. If you are currently covered by health insurance (from a parent, spouse, or another source), you must complete an electronic insurance waiver request. The deadline to request the waiver is August 1.
Health Insurance Waiver
If you are currently covered by health insurance (from a parent, spouse, or other source) and you do not want to add Miami's student health plan, you must complete an electronic insurance waiver request.
You are eligible to waive student health insurance if you meet the following criteria.
- You are already covered by an insurance plan provided by a company licensed to do business in the United States, with a U.S. claims payment office and a U.S. phone number.
- Your plan is currently active and you agree to maintain health insurance coverage throughout the entire 2026-27 academic year.
- Your plan covers inpatient and outpatient medical care within the Oxford Ohio area (including hospitalization, surgery, medical equipment, pregnancy, and routine care). Emergency and urgent care only coverage does not satisfy the requirement.
Once the waiver request is submitted and the information is verified, a confirmation email is sent to your Miami email account, and a credit is posted to your bursar bill. The deadline to request the waiver is August 1. Students whose enrollment status changes to full-time Oxford (e.g. newly registered students, full-time to part-time, regional relocation, etc.) will have the opportunity to request a waiver at the time of the change even if it is after the deadline.
It is necessary to complete an electronic insurance waiver each year.
Waiver Appeals
If your health insurance waiver request was declined or if the deadline has passed, feel free to contact Miami's on-site student health insurance advocate, Cheryl Reynolds, at either 1-833-789-3458 or MUInsuranceAdvocate@uhcsr.com with any questions or concerns.
Exemptions
If you hold a religious, philosophical, or ethical belief that prohibits you from purchasing the university-sponsored
No. A waiver letter from a previous year will not be accepted. You must provide updated proof of insurance each year (dated within 30 days of submission). You can upload a current waiver letter or a photo of your current insurance card, front and back.
Many insurance providers allow you to download a digital version of your insurance card from their website, which you can upload to the student health insurance portal.
You must submit your waiver or enroll through the UHCSR student portal. You should access the portal on a computer or laptop rather than a tablet or mobile phone. Instructions for completing the waiver or enrollment process are available in the How to Enroll or Waive Your Insurance Coverage guide.
If you need assistance, you are welcome to visit the UHCSR Insurance Advocate office inside the Cleveland Clinic Health Sciences and Wellness Facility. Enter through the main clinic entrance (south entrance) and let the front desk know you need to speak with the Insurance Advocate. Bring your laptop and current insurance card, and staff can help guide you through the online waiver process. No appointment is required.
Please note: during orientation sessions in June, assistance will be unavailable between 10:30 a.m. and 12:30 p.m. Students may also contact the Insurance Advocate by email at MUInsuranceAdvocate@UHCSR.com or by phone at 833-789-3458.
If the waiver is denied, the email will include information about the appeal process.
No. Students attending Miami Regionals are not required to waive student health insurance.
However, they are eligible to enroll in UHCSR Student Insurance offered by Miami University if they are full-time graduate students taking nine or more credit hours or full-time undergraduate students taking 12 or more credit hours in-person on a Miami University Regional campus. Home study, correspondence, and online courses do not fulfill the eligibility requirement.
Students interested in purchasing coverage should email MUInsuranceAdvocate@uhcsr.com for enrollment information.
2026-27 Student Health Plan
Effective for the 2026-27 academic year, Miami's insurance carrier for the student health insurance program is UnitedHealthcare Student Resources (UHCSR).
The Miami-sponsored student health insurance plan includes nationwide coverage through UHCSR's extensive national network of providers, as well as worldwide medical assistance. Review the two-page summary of the plan for an overview.
The student insurance plan covers preventative care, hospitalizations, surgery, emergency care, prescriptions, and major medical benefits for treatment received to the extent specified in the policy. The policy year is August 1, 2026 to July 31, 2027.
As you investigate whether or not to purchase insurance coverage, please check to see your existing insurance lists Miami University through TriHealth as an in-network provider. You can also look to see if our providers are listed as in-network individually. A list of providers can be found at Meet the Student Health Services Clinicians.
2026-2027 Student Health Plan Cost
The student health plan is $2,226 for 12 months of coverage. The annual student premium will be billed in two installments on your student account ($933 for the fall premium and $1,293 for the spring premium).
If needed, you can enroll additional dependents (spouse, child, or children) through the UHCSR portal. Enrollment and payment are made directly to UHCSR.
| Covered | Annual 8/1/26 – 7/31/27 |
Fall |
Spring/Summer |
|---|---|---|---|
| Student | $2,226 | $933 | $1,293 |
| Spouse | $2,226 | $933 | $1,293 |
| Child | $2,226 | $933 | $1, 293 |
| Two or more children | $4,452 | $1,868 | $2,586 |
| Spouse and two or more children | $6,678 | $2,802 | $3,879 |
|
Enrollment waiver deadlines |
8/1/26 | 1/31/27 |
Rates are subject to regulatory approval and may change.
2025-26 Student Health Plan
Effective for the 2025-26 academic year, Miami's insurance carrier for the student health insurance program is UnitedHealthcare Student Resources (UHCSR).
The Miami-sponsored student health insurance plan includes nationwide coverage through UHCSR's extensive national network of providers, as well as worldwide medical assistance. Review the two-page summary of the plan for an overview.
The student insurance plan covers preventative care, hospitalizations, surgery, emergency care, prescriptions and major medical benefits for treatment received to the extent specified in the policy. The policy year is August 1, 2025 to July 31, 2026.
As you investigate whether or not to purchase insurance coverage, please check to see your existing insurance lists Miami University through TriHealth as an in-network provider. You can also look to see if our providers are listed as in-network individually. A list of providers can be found at Meet the Student Health Services Clinicians.
2025-2026 Student Health Plan Cost
The student health plan is $2,226 for 12 months of coverage. The annual student premium will be billed in two installments on your student account ($933 for the fall premium and $1,293 for the spring premium).
If needed, you can enroll additional dependents (spouse, child, or children) through the UHCSR portal. Enrollment and payment are made directly to UHCSR.
| Covered | Annual 8/1/25 – 7/31/26 |
Fall |
Spring/Summer |
|---|---|---|---|
| Student | $2,226 | $933 | $1,293 |
| Spouse | $2,226 | $933 | $1,293 |
| Child | $2,226 | $933 | $1, 293 |
| Two or more children | $4,452 | $1,868 | $2,586 |
| Spouse and two or more children | $6,678 | $2,802 | $3,879 |
|
Enrollment waiver deadlines |
8/1/25 | 1/31/26 |
Rates are subject to regulatory approval and may change.
Student Health Services
Contact Us
Health Services Center
421 South Campus Avenue
Oxford, OH 45056
shsMiami@TriHealth.com
513-529-3000
513-529-1892 (fax)
Student Health Insurance
MUInsuranceAdvocate@UHCSR.com
1-833-789-3458
Hours of Operation
Academic School Year Hours
- Monday-Friday, 8 a.m.-6 p.m.
- Saturday, 9 a.m.-4 p.m.
- Closed when the university is closed.
Summer Hours
- Monday-Friday, 9 a.m.-4 p.m.
- Closed when the university is closed.