Health Insurance

Health Insurance

Know Your Coverage
Health Insurance

Health Insurance Information

All students should be covered by a health insurance plan that provides a wide range of benefits at a reasonable cost. The state of Florida requires international students to have health insurance coverage that meets the state’s specific criteria if the student is enrolled in a plan from their home country or if they prefer to subscribe to a plan available in the United States.

Federal Health Care Reform

For information about the federal government Affordable Care Act and the Health Insurance Marketplace, go to HealthCare.gov. If you are interested in shopping for coverage options, Navigators through the open marketplace can assist you. Visit https://www.coveringcfl.net/ or call them toll-free at 877-564-5031 (Option 1) to get started. 

Also, please see the Healthcare Exchanges / Marketplaces Frequently Asked Questions.

UCF Health Services

UCF Health Services offers students high-quality, convenient, affordable medical care and education that encourage healthy lifestyles. Health Services includes the Health Center, Wellness Center, Pharmacy, and Dental Center.

Students pay a state-mandated health fee each semester during registration to cover the cost of basic health services. Office visits are free and unlimited. X-rays, laboratory, certain procedures, and prescriptions are offered at a reduced cost. Specialty clinics include travel, women’s health, allergy injections and immunizations. Health insurance is available for an additional cost. See the Insurance page on the Student Health Services website for more information. 

Health Insurance for Graduate Assistantship and University Fellowship Students

UCF pays the premiums for health insurance coverage for qualifying university fellows and graduate assistants with appointments totaling 20 hours per week. To qualify for enrollment in the coverage, students must maintain the assistantship or fellowship during the semester associated with the coverage period(s) and be enrolled full-time in a degree-seeking graduate program. The enrollment requirement can be met by a combination of online and on-campus credit hours, not to exceed 50% online. Students enrolled in fully online programs are not eligible for the plan. Health insurance coverage is just one of many ways that UCF is supporting excellence in graduate education and training. See below for details on the enrollment process. 

Effective Fall 2026 (August 15, 2026), the student health insurance plan will be through UnitedHealthcare and serviced by Academic HealthPlans, Inc (AHP). More information about the 2026-2027 UCF Student Health Plan can be found on the Academic HealthPlans website at https://ucf.mycare26.com/. Select Explore the Plan or Benefits and then Benefit Information for details related to the plan. Select the flyer for the plan that matches your student status (domestic or international). 

Additional resources to help you understand the coverage and benefits are provided under the Get Help section of AHP’s website. Visit https://ucf.mycare26.com/contact for AHP’s contact information.

The UCF Student Health Insurance plan is different from the State of Florida group insurance for eligible UCF employees. See UCF’s Employee Benefits Guide for more information. 

The student health insurance plan for 2025-2026 is through Aetna and serviced by Academic HealthPlans, Inc. Contact Academic HealthPlans or Aetna directly if you have questions about this plan. 

Health Insurance Coverage Periods

Fall Assistantship or Fellowship – August 15-December 31
Spring Assistantship or Fellowship – January 1-August 14
Summer Assistantship or Fellowship – May 8-August 14

Students receiving coverage as part of their qualifying assistantship or fellowship should not enroll themselves in the coverage. You will be enrolled directly by the UCF College of Graduate Studies as a supported student once you accept the coverage using the health insurance form in your myUCF Student Center. Creating an account yourself prior to your enrollment by the College of Graduate Studies may cause a delay in your enrollment in the coverage. 

Communications from the College of Graduate Studies and the health insurance company will be sent to the student’s campus email address and mailing address in the university records. Students who anticipate receiving health insurance coverage due to their assistantship or fellowship are advised to keep their contact information current at myUCF (my.ucf.edu).

Completing the Health Insurance Form in Your myUCF Student Center

Qualifying students will receive an email from our office once we have confirmed that you qualify for the paid health insurance. Follow the instructions below to submit the form. 

  1. Login to your myUCF (https://my.ucf.edu) account.
  2. Click on Student Self Service to enter your Student Center.
  3. From within your Student Center page, scroll down to the Graduate Students section.
  4. Select Health Insurance from the choose Graduate Form drop-down box and click the GO arrow.
  5. Review your Health Insurance form and indicate if you wish to accept or decline the coverage for the term listed.
  6. Submit the Health Insurance form. You should receive a notice that your form submitted successfully in your UCF email account.

The College of Graduate Studies will send your health insurance enrollment information to AHP for processing. Please allow at least 10 business days from the date you accept the coverage for the information to be processed by AHP and sent to UnitedHealthCare. 

Please note that students wanting to be enrolled in the insurance plan must accept the coverage before the end of the insurance company’s open enrollment period for the semester.  Once the open enrollment period closes, we are no longer able to add students to the coverage for that coverage period.

ID Card 

ID cards are usually available 3-7 business days after your enrollment eligibility is confirmed. Please note the card will not be immediately available after you accept the coverage. You will receive an email to your campus email from AHP when you are fully enrolled in the plan. Be sure to use your campus email when creating your account. 

Instructions on how to access your insurance ID card can be found on the AHP website. Visit https://ucf.mycare26.com/quicklist and click on “Insurance ID Card” for instructions

Dependent Coverage

Students enrolled in the UCF student health insurance plan can add dependent coverage for a fee. The student is responsible for the dependent coverage costs. To do so, follow the steps below after receiving confirmation from AHP that you are enrolled in the coverage. 

  1. Go to https://ucf.mycare26.com/enrollment.
  2. Select Online Enrollment Periods. 
  3. Click “Enroll Dependents” under the College of Graduate Studies – Graduate Assistants and Fellows section. 
  4. Follow the instructions to enroll your dependents.

Academic Vision Care (AVC)

Vision insurance is not included in the student health insurance plan. However, students enrolled in the student health insurance plan are eligible for free prescription and non-prescription glasses and lenses with AVC. Eligible students will receive a welcome email from XP Health with instructions on how to set up an account to access this benefit following the close of the term’s open enrollment period. Visit https://ucf.myahpcare.com/benefits for details. 

Dental Care

The student health insurance plan does not include dental coverage. However, the UCF Dental Center is open to the entire UCF community. Services include preventive, restorative and cosmetic dental services. Student Health Services offers a Dental Membership Plan as a viable option for those without conventional dental insurance. Dental Membership Programs are direct primary care agreements between an individual and a dental practice, and they help reduce overall dental costs for members. UCF students can pay an annual membership fee of $300 to receive regular exams, regular cleanings, and x-rays. All other services are provided at the UCF Student discounted rate. See https://studenthealth.ucf.edu/services/dental/. 

Tax Information

Please make sure that your mailing address is up to date with the insurance provider so that you receive any tax related documents each year.