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College Health

UMFK Home Page / Student Affairs
Student Health Insurance Plan 2011-2012
POLICY: 2011J3A15

Many colleges and universities require that all students be covered by an adequate insurance policy. UMFK requires that all students verify that they have other adequate insurance coverage in order to waive automatic enrollment in the UMFK sponsored Student Accident and Sickness Insurance Plan. UMFK has worked with Cross Insurance to offer the plan described in this brochure for those students without their own coverage, or for those who would like to supplement existing coverage. The plan provides benefits for covered accidents and illnesses that occur on and off campus. All registered undergraduate students taking 9 or more credit hours on the UMFK campus are automatically enrolled in the University of Maine at Fort Kent Student Accident and Sickness Insurance plan unless proof of comparable medical insurance can be provided and is approved by the University. You will automatically be enrolled unless you waive coverage by providing proof of comparable coverage via email, fax, or in person by October 1, 2011. Proof of comparable coverage for the Spring Term must be submitted by February 15, 2012. Students who do not provide proof of comparable coverage by these dates, will automatically be enrolled in the Student Accident and Sickness Insurance Plan. In addition, all international students will be automatically enrolled regardless of other coverage.

Eligible students who are enrolled may also insure their eligible dependents. Eligible dependents are the spouse/domestic partner and unmarried children under 25 years of age, who are not self supporting and reside with the insured student. Dependent eligibility expires concurrently with that of the insured student, once enrolled, dependent coverage cannot be cancelled and premium is non-refundable.

The student cost of the Annual plan is $410, or $280 for Spring Term (which includes an administrative fee). Coverage for the Annual Plan begins on September 1, 2011 or the date premium has been received by the authorized agent and will expire on September 1, 2012. Coverage for the Spring Term begins on January 11, 2011 and will expire on September 1, 2012. Once enrolled, coverage cannot be cancelled and premium is non-refundable.


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Cross Financial Corp., a Maine corporation headquartered in Bangor, Maine, operates a network of wholly-owned subsidiary insurance agencies with locations in Maine, New Hampshire, and Massachusetts. Each office is a separate legal entity, is separately managed and is independently operated as a wholly owned subsidiary of Cross Financial Corp., Bangor, Maine.