This page is for students enrolling in the installment plan with UM. In order to qualify for installment, you must enroll in the fall for the installment plan. New students enrolling after the fall open enrollment period are not eligible for the installment plan. The installment plan runs from 8/24/24-8/23/25 provided the enrolled student remits all three installments during the open enrollment periods.
If you do not qualify for the installment plan, please go back and choose the term enrollment option.
This page is for Domestic Students and also for International Students and scholars who are not mandated to have the U of M International Insurance Plan.
Enrollment and Payment will be made directly on the Gallagher Student Health & Special Risk website. You may enroll yourself and your dependents during the open enrollment period. Installment Payment Students, please note, you will need to review your payment information and make two additional payments. Your second installment is due on January 15, 2025, and the third on May 15, 2025. If payments are not received before January 31, 2025, and May 31, 2025, your coverage will be automatically canceled.
Terms and Schedule for the Second Installment:
Coverage Begins: February 1, 2025
Coverage Ends: May 31, 2025
First day to Make Installment Payment: January 2, 2025
Last Day to Make Installment Payment: January 31, 2025
Installment Payment due for Student Only: $995.56
Installment Payment Due for Student + 1 Dependent: $1,969.12
Installment Payment Due for Student + 2 or More Dependents: $2,942.68
Terms and Schedule for the Final Installment:
Coverage Begins: June 1, 2025
Coverage Ends: August 23, 2025
First day to Make Installment Payment: May 1, 2025
Last Day to Make Installment Payment: May 31, 2025
Installment Payment due for Student Only: $752.17
Installment Payment Due for Student + 1 Dependent: $1,482.34
Installment Payment Due for Student + 2 or More Dependents: $2,212.51
Please Note: You must initiate each installment payment. The installment payments will not be automatically charged to your original form of payment (credit card or e-check). An email will be sent reminding you of this step. However, we recommend you mark your calendar to ensure no lapse in coverage. Students should log in to their account at www.jcbins.com to update their email in order to receive installment payment reminders.
Virtual ID cards will be available on the Blue Care Network site approximately 5-7 business days after you complete your enrollment process.
Need to enroll in Student Insurance?
Complete the online enrollment form to purchase the student plan for yourself and your dependents.
EnrollPlan Information
ID Card
ID cards are mailed to new enrollees approximately 3 weeks after you complete your enrollment process. If you had this plan during 2023/24, you will not receive a new ID card unless you request one. Your virtual ID card is also available on the Blue Care Network site approximately 5-7 business days after you complete your enrollment process. To obtain an online ID card:
- You will receive an email from Blue Care Network with your enrollee ID
- After you receive the ID, visit www.bcbsm.com
- Register for an account, or login if you already have an account*
- Once logged into the portal, you can:
- Access your virtual ID card
- View Claims
- Find a provider
- And more
- Or you may call Blue Cross Blue Shield of Michigan Customer Service at: 800-287-4103
*For students who already have a Blue Cross Blue Shield of Michigan online member account, Log in to access your ID card, view claims, and more.
Blue Cross Blue Shield of Michigan App for Members
The Blue Cross Blue Shield of Michigan app is available at no cost for most Apple and Android devices through the Apple App Store® and Google Play™.
Downloading the app is easy, search BCBSM in the App Store, or Google Play Store, or text 222764
It connects securely to your health plan information. You can use app to:
· Access your medical ID card
· View your coverage
· Manage your claims
· Take advantage of member discounts and benefits
· Improve your health
· And more
For help with the Blue Cross Blue Shield of Michigan app, call the App Support team at 1-888-417-3479 8 a.m. to 8 p.m. Monday through Friday.
If you have questions about your health coverage, please call the customer service number on the back of your BCBSM ID card
Find a Doctor or Hospital
Blue Care Network (BCN)
Find doctors, hospitals, and more in your plan’s network*
This plan uses the Blue Care Network of Michigan provider network within the state of Michigan, and uses the Blue Cross and Blue Shield PPO network through the BlueCard program for students traveling outside of Michigan.
To find a doctor, click on one of the below links:
Or you may call, BCN 800-287-4103
The plan includes BlueCard, a program of the Blue Cross and Blue Shield Association. You will have nationwide access to BlueCard Traditional plan physicians and hospitals when traveling outside of Michigan.
*You should always verify the provider is part of the Blue Care Network (BCN) before you receive treatment.
University Health Services
The University Health Service (UHS) is a primary resource for health needs in the Ann Arbor U-M community. Both international students and scholars have access to UHS services, including the primary care clinic, immunizations, nurse advice by phone, pharmacy, eye care clinic and optical shop, mental health and wellbeing services, sexual health services, and more! UHS Nurse Advice by Phone is available at all hours and can help you decide if it is best to go to UHS when it’s open, an urgent care location, or the Emergency Room.
Currently enrolled U-M students on the Ann Arbor campus should visit UHS first.
Hours of operation:
|
|
Spring/Summer |
Fall/Winter |
|
Monday |
8 a.m. - 4:30 p.m. |
8 a.m. - 5 p.m. |
|
Tuesday |
8 a.m. - 4:30 p.m. |
8 a.m. - 5 p.m. |
|
Wednesday |
8 a.m. - 4:30 p.m. |
8 a.m. - 5 p.m. |
|
Thursday |
9 a.m. - 4:30 p.m. |
9 a.m. - 5 p.m. |
|
Friday |
8 a.m. - 4:30 p.m. |
8 a.m. - 4:30 p.m. |
|
Saturday |
Closed |
9 a.m. - noon |
|
Sunday |
Closed |
Closed |
University Health Service is located at 207 Fletcher Street. To make an appointment, call 734-764-8320. Visit www.uhs.umich.edu for additional options for scheduling appointments.
You can seek advice from a nurse 24/7 at 734-764-8320, by selecting the nurse advice prompt.
If this is a medical emergency, dial 911.
Counseling and Psychological Services (CAPS)
Counseling and Psychological Services (CAPS) is free, confidential, and available to currently enrolled students on the Ann Arbor Campus. Their services include brief counseling for individuals, couples and groups; consultation to students; assistance with referrals to community resources; and crisis interventions.
Virtual Care by Teladoc Health
Virtual Care by Teladoc Health® gives you remote access to a network of U.S. board-certified doctors, psychiatrists and licensed therapists all from your smartphone, tablet or computer. Download the Teladoc Health app and set up an account on your mobile device, or use your Blue Cross member account to access Virtual Care on mobile or desktop.
View Overview Flyer for more information
View FAQ Flyer for additional information
Questions on Benefits, medical bills or claims?
Students can, visit the Blue Care Network site for coverage and benefit information:
For assistance with Benefits, Medical Bills, or Claims, contact Blue Care Network at 800-287-4103
Contact Us With Enrollment Questions
Questions regarding enrollment or eligibility, please email us at GGB.JCB.Studentservices@ajg.com or via phone (833) 468-9570. Our team is here to support you Monday-Friday 8 am - 8 pm EST.
How to update your Demographic Information
To update your demographic information, such as mailing address, email or phone number, please log in to your account at http://jcbins.com/. Once you log in:
· Choose My Account in the upper right-hand corner
· Choose My Details
· Under Contact Info, choose Edit
· Update your information
*Please note, it can take up to 3 weeks for the change to reflect in the insurance company system.