Eligibile participants must enroll or apply for waivers during a specific Open Enrollment period each academic year.
Fall 2019 Open Enrollment: July 15 - September 9, 2019
Insurance coverage periods are August 1 through July 31 each year.
The open enrollment period for medical insurance corresponds to an individual's first active semester on campus each academic year. Participants must make their medical insurance decision during this period, and can also enroll their spouse or domestic partner and/or dependent children in their chosen plan. For instructions on enrolling during Open Enrollment, see How to Enroll or Apply for a Waiver [pdf].
Enrollment for vision and dental plans is only available during fall and spring open enrollment. Both timeframes are open to all eligible participants.
Apply for a waiver
To qualify for a waiver, students must verify that they already have medical insurance that meets the university’s requirements.
Waiver applications must be submitted during Open Enrollment in order to be considered for a complete waiver of the default-charged student insurance premium. Students who miss the deadline will automatically be enrolled in the student medical insurance plan.
To apply for a late waiver, students must submit:
- Late Waiver Application Form
- Copy of their plan's Summary of Benefits and Coverage (example)
- Copy of both sides of their insurance card
Enrolling outside of Open Enrollment
Partial Year Enrollment
Because open enrollment for medical insurance corresponds with an individual's first active semester on campus, there may be cases in which a person is enrolling for part of the year.
Students may enroll in the Student Health Insurance Plan mid-year when a qualifying event takes place, such as a family or life status change (see "Change or cancel enrollment" below). You must make changes consistent with your status change within 30 days of the date the change occurred. Supporting documentation must be provided to CMU Health Services in order to verify your qualifying event.
Change or cancel enrollment
Medical enrollment decisons can be changed when qualifying events take place, and require that a medical enrollment change form be completed.
Life and Family Status Changes ("Qualifying Events")
Family or life status changes may allow you to change your benefits to accommodate your new situation. You must make changes consistent with your status change within 30 days of the date the change occurred.
Accepted Life or Family Status Changes
Marital/Domestic Partnership Changes:
- marriage/registration of domestic partnership
- death of spouse/domestic partner
- divorce/termination of domestic partnership
Number of Covered Dependents Changes:
- birth or adoption of a child
- child becomes incapable of self-support due to total disability
- death of dependent child
- dependent becomes ineligible for coverage
You/Spouse/Domestic Partner loses health insurance from another source
Medical enrollment decisions can be cancelled only if 1) the cancellation is done before April 1, and 2) no claims are paid or pending against the policy. A medical enrollment cancellation form is required, which outlines eligible reasons for cancellation (link is active September 1 through March 30).
Vision and dental enrollment decisions cannot be cancelled. If you enrolled yourself in the fall open enrollment period, and wish to enroll a spouse, domestic partner or children in the Spring, you have to pay the entire additional premium. There is no proration, and a change in enrollment is treated as another enrollment entirely.