Enrollments, Waivers, Changes & Cancellations-University Health Services - Carnegie Mellon University

Enrollments, Waivers, Changes & Cancellations

Insurance coverage periods are August 1 through July 31 each year.

Eligibile participants may enroll. Deadlines and conditions for enrollment apply and are enforced.


To submit a late waiver, the following documents need to be submitted to the Student Health Insurance office at shinsure@andrew.cmu.edu :

1. A completed waiver form

2. A copy, front and back, of your insurance card

3. A completed cancellation form

4. A copy of your plan's Summary of Benefits and Coverage (sample)

Your benefits will be reviewed for compliance with CMU's waiver criteria. If met, Aetna will be contacted to verify that claims have not been paid out on your behalf and to cancel your CMU Student Health Insurance policy. If claims have not been paid on your behalf, you will recieve a prorated credit, beginning the 1st of the month following the receipt of your documents.

Example: All documents received by shinsure@andrew.cmu.edu by September 25, 2014. Plan coverages are reviewed and meet CMU's criteria for a waiver. Aetna verifies that claims have not been paid. Student had been charged $1,191 for the full year of the standard plan. Student receives a prorated refund of $963.33, effective October 1, 2014. ($96.33/month for 10 months, calculated as $1,191 less $35 non-refundable administration fee divided by 12 months.)

Changes taking effect beginning with the 2014-2015 academic year:

Beginning Fall 2014, 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. Click here for an Essential Benefit Comparison.

Enrollment across insurance years

Enrolling outside of the Open Enrollment Period-Qualifying Event

Modify or cancel your enrollment decisions

Remember: vision and dental are available only in the fall and spring open enrollment periods

Partial Year Enrollment Forms

Effective February 1, 2015 [pdf]

Effective March 1, 2015 [pdf]

Effective April 1, 2015 [pdf]

2014-2015 Student Health Insurance Requirements

To qualify for a waiver for the 2014-2015 academic year, your policy must meet each of the criteria below:

  • Your policy must provide coverage for routine, urgent and emergent care for both inpatient & outpatient medical care and mental health and alcohol & substance abuse treatment at a reimbursement rate of at least 70% in the city where you are attending Carnegie Mellon classes. (A POLICY THAT PROVIDES ONLY EMERGENCY OR URGENT CARE COVERAGE DOES NOT MEET THIS REQUIREMENT.)
  • Your policy must have an individual deductible that does not exceed $1,500 per year.
  • Your policy must have a United States based claims office and telephone number.
  • Your policy must not contain any clauses limiting/excluding coverage based on pre-existing conditions.
  • Your policy must not have a maximum annual limit.
Questions? Contact your Student Insurance Office.

Student Medical Insurance policy.