University Health and Counseling Services

USM Student Insurance

The University of Southern Maine Student Health Insurance Plan has been developed especially for University of Southern Maine students and their eligible dependents. (Eligible dependents include a lawful spouse, same or opposite domestic partners, and/or dependent children under age 19). The Plan provides coverage for illness and injuries that occur on and off campus and includes special cost-saving features to keep the coverage as affordable as possible.  Specifics about what is covered can be found at Cross Insurance.

The 2013-2014 Plan

  • Coverage becomes effective 12:01 am on August 15, 2013 and will terminate 11:59 pm August 14, 2014

  • Coverage purchased in the fall semester will remain in effect for the entire year.  

  • New spring semester students may elect to purchase coverage which will become effective at 12:01 am January 1, 2014 and terminate at 11:59 pm on August 14, 2014.




Spring Semester Only










*Dependent premiums are in addition to the student premium

For more information about benefits, eligibility, claims processing and inpatient admission pre-certification, or to find a network provider, contract:

Cross Insurance

PO Box 3028
Lewiston, ME 04243-3028 OR, to find a network provider in your area,

or if you have an other questions please call: 1-800-537-6444

IMPORTANT! If you choose not to use services provided by UHCS staff, services through other health providers are available.  You can locate a provider through Cross Insurance.  However, there will be a $20 office copay per visit.  The student is responsible for submitting charges to Cross Insurance for reimbursement. Referrals are not required for treatment of Emergency Medical Conditions as defined on page 25 of the insurance plan booklet or for routine GYN care.

What about referrals?

While a referral is not necessary to receive benefits, students' health care needs can be best satisfied when an organized system of health care providers at University Health Services manages the treatment. If you are enrolled in the Student Health Insurance Plans, it is to your advantage to first seek treatment at UHCS to reduce your out-of-pocket expense. If you choose not to take advantage of the services provided by our Health and Counseling Services, you will be responsible for paying charges not covered under the terms of the policy.


Please read the Summary of Benefits Booklet for more information or online at Cross Insurance to find specific information on benefits, charges, and specific policy information.