Student Insurance-University Health Services - Carnegie Mellon University

Student Insurance

Carnegie Mellon contracts with insurance companies to provide excellent and affordable student medical, vision and dental plans. Eligible participants may voluntarily enroll in any or all three plans, but timeframes for enrollment do apply.

Heathcare in the United States is expensive. The university wants to make sure its students are protected from unexpected financial hardship when medical needs arise. Full-time, matriculating students studying on CMU's Pittsburgh and New York campus locations, or within most of its Silicon Valley programs, must meet medical insurance requirements. They are automatically charged for the Standard Individual level medical insurance plan in their first semester of attendance each academic year. They may modify that enrollment, or, if they have alternative insurance, request a removal of this charge by submitting a waiver form.

Enrollment Opportunities

The Fall 2013 Open Enrollment period has ended (to select coverage for August 1 through the following July 31)

Spring Open Enrollment period (same each year): December 15 - January 31  (to select coverage for January 1 through July 31)

Summer Open Enrollment period (same each year): May 1 - June 15  (to select coverage May 1 through July 31)

Eligible participants have a specific enrollment period once each academic year for their medical enrollment or waiver decisions. Learn more about our enrollment opportunities and deadlines.

ENROLL or WAIVE HERE.

Submit your enrollment form as soon as possible, but at least three weeks before your plan is to begin. If you receive services or prescriptions prior to your information appearing in the insurance company's system, you may need to file claims forms to be reimbursed while you await the arrival of your card. This includes students who were automatically charged for the Standard Individual medical coverage and wish to remain enrolled.

Insurance enrollment and waiver decisions do not roll-over to the next insurance year. You must resubmit your decision each school year.

Summer 2014 Open Enrollment Begins May 1, 2014.

Learn more about enrollment opportunities.

Student Health Insurance Plan Changes & Costs 2014-2015

Changes to the 2014-2015 Mandatory Student Health Insurance Program:

1) The revised Mandatory Student Health Insurance Policy allows students to qualify for a waiver with a plan purchased from a state or federal insurance marketplace as long as the plan meets certain minimum requirements. The student health insurance plan offered by Carnegie Mellon University meets all of the Affordable Care Act (ACA) criteria for individual coverage at a very competitive rate. The Standard Plan offered by the university is comparable to a Gold Metal tier plan in the Marketplace and the Enhanced Plan meets the criteria for Platinum.

2) The Student Health Insurance Program (SHIP) is changing its' carrier to Aetna for medical, dental and vision insurance coverage. Aetna has a strong presence in the student health insurance market, including many of our peer institutions. Students will continue to have access to a broad network of providers that includes UPMC and Allegheny Health Network.

Medical, Dental & Vision Premiums

August 1, 2014 through July 31, 2015

Medical-Enhanced
Individual $2,496
Two-Person $6,937
Family $8,438

Medical-

Standard

Individual $1,191
Two-Person $3,213
Family $3,870
Vision
Individual $82.44
Two-Person $153.84
Family $224.64
Dental
Individual $255
Two-Person $428
Family $640


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let us help!

Contact CMU's Student Insurance Office for help.

Student Medical Insurance policy and requirements.

Reminder about Emergency room expenses.

Glossary of insurance terms.

The Affordable Care Act and Preventative Service Fees at UHS