Open Enrollment Period
The Student Health Insurance Program (SHIP) open enrollment period closed on September 15. Full-time students who did not submit an enrollment form or apply for a waiver before the September 15 deadline will now be auto-enrolled in the student medical insurance plan.
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 have to pay the insurance amount on my student account while waiting for my waiver to be processed?
There may be a delay between the time you submit an insurance waiver request and when it can be processed. As long as your waiver request is submitted during the open enrollment period from July 15-September 15, you will not be charged a late fee for nonpayment of the insurance charge on your student account. You do not need to pay the student insurance charge until a final determination has been made and processed on your waiver request.
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 days to process and waivers can take up to three weeks to process; if additional information is needed, HUB International will email you. 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. Please note that waiver applications received after open enrollment ends on September 15 will be processed as late waivers and assessed a $50 late fee.
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.
What documentation is needed for my waiver application?
There are two items needed with a waiver application: 1) proof of active coverage and; 2) coverage details for the plan.
For proof of active coverage, you may upload a screen shot of the benefits website 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
A Summary of Benefits/Coverage is a document that US insurance plans are required to make available to members. It lists all specific healthcare services that are covered by the plan, as well as the portion of costs that you must pay for those services (including deductible amounts). An abbreviated version of this document is a Benefits Grid. If you have an online account with your insurance plan, you may be able to find this information there. If it is an employer-sponsored plan, you may be able to access the information through the employer's Human Resources office/website. Alternatively, you may call your insurance plan and request the document.
You can log back into the same link where you applied for a waiver in SIO and upload your additional documentation.
I've enrolled in CMU SHIP and need my insurance information. How can I get it?
Once you receive a confirmation email from HUB International that your enrollment is complete, you can call HUB International at 888-777-9980 to request your Highmark member identification number. With this number, you can register an account at https://www.highmarkbcbs.com/home/ and obtain a digital copy of your insurance card/s. You may also request your member ID by emailing us at email@example.com.
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?
I received a bill from a medical provider and/or hospital, and it indicates that I owe money.
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.