Skip to Content

Search: {{$root.lsaSearchQuery.q}}, Page {{$}}

GeoBlue Health Insurance

All University of Michigan students traveling abroad for educational reasons must be covered by GeoBlue health insurance. This insurance provides outstanding coverage for a wide range of conditions and events. CGIS automatically enrolls students on CGIS programs in GeoBlue (the cost is included in the CGIS program or administrative fee). All other students must enroll and pay for the coverage themselves. There is a one-time sign up fee of $5.00, and the insurance is $1.57 per day. (For students studying in Spain, the cost is $1.75/day.)

Unlike many insurance providers students may be familar with, which require customers to only use in-network providers, you can go to any doctor or hospital/clinic you choose outside the United States.

As a result, students have two options to schedule and pay for appointments: Direct Pay or Reimbursement.

Appointments & Claims

Direct Pay

To avoid out of pocket payment, students can request Direct Pay by going to local GeoBlue-partnered providers. These providers have an established relationship with GeoBlue and will accept direct payment from the insurance. Complete these three steps:

  1. Find a local doctor. Start with and find a doctor that works in your area. Find a GeoBlue approved doctor nearby. Schedule an appointment with your chosen doctor.
  2. Set up Direct Pay. Request Direct Pay for your appointment through the GeoBlue App or For the best service, put in your request 48 hours prior to the appointment.
  3. Go to your appointment. If requested, show the Guarentee of Payment from GeoBlue to your provider, available on the GeoBlue app.

This is also outlined on the GeoBlue Direct Pay flyer


If you decide to go to an out-of-network provider, you will need to pay onsite and request a reimbursement* from GeoBlue.

  1. Find a local doctor. If you cannot find a doctor that works for you on, ask your program provider, faculty leader, or university for recommendations. Schedule an appointment with your chosen doctor.
  2. Go to your appointment. Pay upfront for your visit.
  3. File a reimbursement claim. (detailed below)

*For reimbursements, make sure you:

  1. Have additional funds, such as a credit card or extra money for emergencies, to pay for the visit.
  2. Keep your receipts to submit a claim.

Filing a Claim

If you paid for a medical appointment out of pocket, you will need to submit a reimbursment claim to GeoBlue. This is an easy process, which can be done from your phone.

  1. Scan or take a picture of your receipt (can be in the local language).
  2. Upload image to GeoBlue app or
  3. Follow any additional instructions.
  4. Wait for your reimbursement! If you have any questions about when you will receive your reimbursement, contact GeoBlue.

For more detailed instructions, check out the GeoBlue Reimbursement Claims flyer.

Insurance Basics

Routine (Non-Emergency) Medical Care Abroad

To locate a GeoBlue-approved physician or medical facility in your location abroad, visit the GeoBlue website. For further information on how to use this function of the website, instructions are available in this PDF.

Health care providers listed as “Network Provider” have a direct-pay agreement with GeoBlue, so you will have no out-of-pocket expenses.

If there are no GeoBlue approved facilities in your area or you prefer to see another physician, you are welcome to do so. Once you have made an appointment or have been admitted to a hospital, please contact GeoBlue to open a case. If GeoBlue is unable to pay the health care provider directly, you may have to pay the bill on-site. Be prepared for this and have emergency funds available. If you pay out-of-pocket you may submit a claim for reimbursement.

Schedule of Benefits

For the terms of coverage of the University of Michigan’s GeoBlue Insurance plan, download the Schedule of Benefits.

Duration of Coverage

Coverage extends from 2 days prior to the official arrival date (or start date of the program) until 2 days after the last official date of the program.

Purchasing Coverage for Additional Travel

If you plan to travel before or after your program, CGIS strongly recommends that you purchase additional GeoBlue insurance for this additional international travel. You are responsible for the costs associated with this additional coverage:

  • You must purchase this plan prior to departure.
  • Cost is $1.57 per day plus a $5 administrative fee.
  • Plan may be purchased by students and current faculty and staff under age 80.
  • Plan may be purchased for spouses/domestic partners and dependents traveling with the covered individual.

Download the plan details

To purchase additional travel coverage, please use this link. Students who wish to have extended insurance coverage should follow the instructions that follow.

GeoBlue Health Insurance

Note on Country-Specific Insurance

Students may need to purchase health coverage that is required by the host country or program provider. A student’s program supplement will provide this information. This may be included in the program costs, or students may be instructed to purchase this on their own. This does not replace the GeoBlue insurance required by UM. Rather, students will have to purchase both policies.

Maintaining Your US Health Insurance

GeoBlue Health Insurance is international travel health insurance and only provides coverage outside of the United States. In the event of an injury abroad, the GeoBlue insurance plan may provide some coverage when students return home, however this coverage is extremely limited and therefore students should maintain whatever current health insurance coverage they have in the US for the duration of their time abroad. If students need to seek continued treatment for an illness or injury that occurred while abroad, their US insurance plan will be needed. 

Other GeoBlue Resources and Services

Once you receive your GeoBlue insurance card, visit the GeoBlue student site to set up an account. This website provides you with the following resources:

  • Doctor, pharmacy, and hospital locators
  • Medication look-up
  • Translation and interpreter services
  • City safety and security profiles.

You can also:

  • Print your insurance card
  • Request translation of medical documents
  • File reimbursement claims.

Additionally, please utilize these resources as you prepare to depart:

Quick Student Guide
Flyer on GHS Services
Requesting Direct Pay
Filing an e-Claim
HIPAA Disclosure
Benefits related to COVID-19