Health Insurance

All international students must have health insurance while studying at MCC. Once registered for classes, the International Student Health Insurance Plan (ISHIP) will be automatically provided to you and it will be added to your tuition fees. Click here to view the 2023 - 2024 Maricopa Community Colleges, International Plan.

Basic plan information

Please note the following levels for coinsurance, deductibles, copays, and other costs of this coverage.

Deductible None $50 per person, per policy year
Covered Percentage 100% of preferred allowance 60% of usual and customary charges, after deductible
Office Visit Co-pay $25 per visit $25 per visit
Urgent Care Co-pay $25 per visit $25 per visit
Emergency Room Co-pay $250 per visit (waived if admitted to the hospital) $250 per visit (waived if admitted to the hospital)
Prescription Drugs Paid at 65% per prescription (up to 31 day supply) 65% of usual and customary charges, after deductible
Out-of-Pocket Maximum $6,350 per person, per policy year/ $12,700 per family per policy year No maximum

Important Resources

To obtain your health insurance ID card, please follow the instructions below:

  1. Visit www.wellfleetstudent.comand enter your school name into the search box. (type in Maricopa and it will pop up),
  2. From your school’s landing page, click the menu icon in the top right corner and select "My Account" to access your account,
  3. If you don’t have an account on our system, click “Create a New Account” on the student sign-in page. (They will be asked for their student ID # and birthdate) After that, they should follow the prompts for additional information.
  4. If you already have an account, enter your official MCCCD email (your and password to log in.
  • To access your online ID card, click on the “Student Options” tab.
  • To view your claims history, click on the “Claims” tab
  • To view your benefits brochure, click on the “Benefits” tab

Medical Services

Whenever you are in need of medical attention make sure that you follow the guidelines provided in the documents below as this can help reduce costs significantly.

Use an in-network (PPO) doctor whenever possible. Note: You are not required to see in-network doctors; however, if you choose to see a doctor who is not an in network provider, you will have to pay 40% of Usual and Reasonable charges.

To find an in-network provider, follow these instructions:

1. Go to

2. From the top right of the screen next to search box, click on Find a Doctor, Dentist, or Facility.

3. Under “How are you Covered,” click on Employer or School.

4. Enter your Address and City, or Zip, then click on address to confirm. Click on Doctor by Type, Doctor by Name, or Locations and make your selection in the drop down.

5. Click Continue as guest.

6. Confirm your address and click Continue.

7. Under “Please Select a Plan,” click “PPO, Choice Fund PPO.”

8. Select a doctor from the list.

Arrive 15 minutes early for your appointment. Bring your insurance ID card with you. Always check with the doctor or medical facility directly to confirm that they accept Cigna PPO before you receive treatment.

More Information About Your Health Insurance

Read all about what is covered by your insurance as well as important plan information in the following documents

How to Use Your Insurance
Plan Highlight Flyer

Other Resources

For more information, please click HERE.

Health Insurance Waiver

The health insurance charge can be waived however you have to meet one of the following requirements:

  • You are under the sponsorship of a foreign government, its agency or embassy that is responsible for the student’s educational expenses, including a health insurance policy.
  • You are under the sponsorship of an international agency or company that is responsible for the student’s educational expenses, including a health insurance policy for the student that will be enforced during the entire time that you are enrolled in the college.
  • You are accompanied to the U.S.A. by your spouse and/or dependent child(ren) under 18 years of age who have been granted F-2 visas and who will be staying with you as the principal F-1 visa student. You and your family have purchased a family medical insurance policy that covers all of you while you are in the U.S.A.
  • You reside in the U.S.A. with your parents. You and your family have purchased a family medical insurance policy that covers all of you while you are in the U.S.A.
  • You were undergoing treatment for a medical condition before being admitted to the college and have insurance coverage for the condition.
  • You have a parent, spouse, or legal guardian who is a U.S. citizen or who resides permanently in the United States and has included you on their health insurance plan with a United States-based insurance company. The student must provide documents that establish the relationship to the parent, spouse, or guardian.

If you meet one of these requirements you will need to come by our office to fill out the Health Insurance Waiver Formbefore the semester starts, so that the charge will not be added to your account. Note that you will also have to provide us with a copy of your health insurance card and a summary of its benefits. Given the specifics of what SHIP covers, we will have to review all the submitted materials to make sure that requirements are met.

Contact Information

For questions regarding enrollment or eligibility, contact Academic Health Plans at (800) 537-1777 or
For questions regarding benefits, claims, coverage, or member ID, contact Wellfleet Group at (877) 657-5030.