Student Health Insurance Updates
Fall 2022 Open Enrollment for all students to either enroll in or waive the CMU Student Health Insurance Plan (SHIP): June 1 - July 15, 2022.
International students arriving into the U.S. after July 15 will have until August 29, 2022 to complete their health insurance requirement.
We are aware that some students are unable to access the CMU Health Insurance portal in SIO at this time. If you are having technical issues, please ltry clearing your browser cache and/or try again in a day or so. We apologize for the technical difficulties and thank you for your patience while we work to resolve the issue.
Health Insurance Basics & Frequently Asked Questions
Health insurance is a contract between you and an insurance company. You enroll in a plan and the company pays part of your medical costs when you get sick or hurt. Many plans also cover preventive services. Learn more about why health insurance is important.
The cost of healthcare in the United States is high, so insurance helps protect you from serious health and financial risks.
Do I need to apply for a waiver or enroll in the CMU SHIP each year?
How do I enroll or waive?
To enroll in CMU SHIP or to submit a waiver application, log into your SIO account, go to 'Campus Life', select Health Insurance and follow the Highmark link.
If you submit a form and later need to edit or add information, you may log back into the student insurance portal and upload your information or submit a new form.
Enrollments take a few business days to process and waivers can take longer to process; if additional information is needed, HUB International (the company processing CMU student insurance enrollments and waivers) will email you with that request. For timely processing, include all required documentation with your waiver application. You will receive a confirmation email from HUB International once your enrollment or waiver is complete.
What documentation is needed for my waiver application?
To apply for a waiver in SIO, you will need to complete a medical insurance attestation and provide proof of active medical coverage.
The waiver application in SIO includes an insurance attestation; you'll be asked to verify that your health insurance meets all university requirements, so please review it carefully.
For proof of active coverage, you may upload a screen shot of current medical insurance benefits. Log onto the insurance or benefits portal and take a screenshot showing the student is a currently insured dependent, with the effective date of coverage clearly shown and the date the image was made (i.e., the date as shown either in your browser or on your computer task bar).
Alternatively, you may also prove coverage with:
- A letter (not more than 30 days old) from the parent/spouse/partner's employer or from the insurance plan showing the student is an active dependent on the insurance policy or are covered individually through military or Medicaid
You can log back into the same link where you applied for a waiver in SIO and upload any additional documentation that is needed.
Why might my waiver request be denied?
CMU is committed to ensuring that students have quality insurance coverage that reduces barriers to accessing care both regionally and nationally. In order to qualify for a waiver from the insurance requirement, insurance must meet these requirements.
A waiver may also be denied if a student applies for a waiver but does not provide the proof of active coverage documentation outlined above.
I do not have a U.S. mailing address yet. Can I enroll in SHIP?
International students enrolling in the CMU SHIP should wait until they have secured a U.S. mailing address to enroll, and have until August 29 to do so. A U.S. mailing address is required for health insurance enrollment; this is where all personal health insurance documents, including insurance ID cards, will be mailed. SHIP enrollments submitted with a non-U.S. address will not be processed.
International students arriving into the U.S. after July 15 will have until August 29, 2022 to submit their CMU SHIP enrollments, with insurance coverage still effective starting August 1, 2022.
I've enrolled in CMU SHIP and need my insurance information or card. How can I get it?
After enrolling in CMU SHIP and receiving confirmation from HUB International that your enrollment is complete, you should expect a Highmark insurance card at your mailing address in approximately 14 days.
- If you never received an insurance card, you may need to update the mailing address in your Highmark account. You can do this in the insurance portal in SIO, by updating your mailing address in the Personal Information section.
- To access your insurance member ID, request a replacement insurance card, or access a digital card:
Log into SIO, go to Campus Life, then Health Insurance and follow the Highmark link. Your member ID will appear to the right (after name, birthdate, etc.). Use this number to register an account at https://www.highmarkbcbs.com/home/# to view your insurance details, order a new insurance card or access a digital card.
I received a bill from a medical provider and/or hospital, and it indicates that I owe money.
What is an EOB?
Each time you receive medical services and a claim is submitted to your insurance plan, you should receive an Explanation of Benefits (EOB) from your insurance plan. An EOB shows what the insurance company has paid on your behalf for a claim, what portion is not covered and the explanation for it. An EOB is not a bill. Typically, if you are responsible for any remaining portion of the charges, you will receive a bill from the medical provider after you receive the EOB.
I no longer want/need my student insurance plans. Can I cancel them?
Cancellations are only available for the following circumstances*:
- Leave of Absence
- Qatar and Australia exchange students in Pittsburgh for one semester
- Removing a dependent
- Enrollment in Medicaid in the state in which you are studying (e.g., a Pittsburgh campus student approved for enrollment into PA Medicaid). Enrollment is based on eligibility and the application process can be lengthy – you can find information at https://www.dhs.pa.gov/Services/Assistance/Pages/MA-General-Eligibility.aspx).
The option to join a new plan does not make a student eligible to cancel their current insurance enrollment.
If you meet this criterion, email us at firstname.lastname@example.org at the time of your cancellation request and we can assist you with this process. You may be eligible to receive a pro-rated refund for the remaining months' premiums. Cancellations will only be accepted before March 31, 2023.
How do I update my insurance information? Including adding a dependent (partner/child)?
You may update your personal information, including adding a family member who has had a qualifying event to your plan, via the health insurance portal in SIO:
Log into your SIO, go to Campus Life, then Health Insurance, and follow the Highmark link under “Need to update your insurance information?”. From there, update your personal information in the Student Information section or add a dependent in the Submit Enrollment section.
Please then allow a several business days for processing. If you're enrolling a dependent, HUB International (the company processing CMU student insurance enrollments) will reach out to you to request documentation (i.e. birth certificate, marriage certificate) to complete your enrollment. Please note that you have 30 days from the qualifying event date to add your dependent to your plan.
I am going out of town. What if I need to see a doctor or fill a prescription while I am away?
The CMU SHIP Highmark plan works across the U.S., with participating in-network providers in every state. You can search for providers in your desired location at https://www.highmarkbcbs.com/login/#/find-a-doctor (select Medical, then choose the BCBS PPO network). Additionally, we recommend confirming directly with the health care provider you choose that they are a participating provider in the Highmark BCBS PPO network. You can find a list of in-network pharmacies here: https://www.cmu.edu/health-services/student-insurance/pdfs/highmark-bcbs-pharmacies.pdf. Ask your prescribing provider to verify insurance coverage with your preferred pharmacy.
I see a charge for insurance on my student account, but I did not enroll in the CMU SHIP.
All students are default charged for the CMU Student Health Insurance Plan, so any student who is taking coursework will see the medical insurance plan charge in their SIO student account. That charge is processed UNLESS you are approved to waive the CMU SHIP during the open enrollment period. If you do not waive the insurance, you will be charged and enrolled in the CMU SHIP.
If you were granted a waiver, and still see that charge applied, please email the student insurance office at email@example.com and we will assist.
I did not enroll in the CMU SHIP during open enrollment, what do I do? Am I enrolled automatically?
All students are default charged in the CMU Student Health Insurance Plan, so any student who is taking coursework will see the medical insurance plan charge in their SIO student account. But you still must go through the enrollment process to generate a SHIP number and be entered into the Highmark system. So, even if you are charged for the plan you must also enroll. You are not considered to have the insurance coverage until your enrollment has been processed.
Why did Highmark send me a letter asking for my Social Security or Tax ID number?
Which pharmacies can I use with CMU SHIP?
CMU SHIP members need to fill prescriptions at in-network retail pharmacies. You can search network pharmacies at https://www.express-scripts.com/consumer/site/oepharmacysearch?memtype=HMKBPremier (nearly all pharmacies except for Walgreen's are in-network).
If you have a chronic medical condition that requires specialty medications, those are available through Alliance Rx / Walgreens Specialty Pharmacy, phone number 888-347-3416.
What is the CMU SHIP coverage period? Are there monthly options?
Can I see a dentist at UHS?
I've lost insurance coverage. How do I get onto CMU SHIP?
- A loss of medical coverage letter from your insurance company.
- A completed partial-year enrollment form. Pleaseemailto request this form.