<p>Sabrina,</p>
<p>Since you are new to myUM, I would highly suggest you call Student Account Services (SAS) at the number provided in the link:</p>
<p>[Student</a> Account Services | Finance and Treasury | University of Miami](<a href=“http://www.miami.edu/finance/index.php/student_account_services/]Student”>Financial Affairs | University of Miami)</p>
<p>The “Opting-out” of Student Health Insurance requires that you certify your family health insurance covers you in the same manner as UM’s Student Health Insurance plan. It is a good idea for a parent to help you with this, since they know your plan best. Remember, if you have an HMO you will need to designate a local Primary Care manager who may or may not be a provider at UM’s Student Health Center. Injuries and illness can occur and you need to be covered. My experience with billing? It is invaluable that you get to know the staff at SAS and make sure your parents get to know them as well. They are terrific people who try their best, but glitches can occur and their is nothing like being able to call someone you know to help. This ability to call and talk to a caring person is one of UM’s real strengths…You are not a number there, take advantage of it.</p>