Student Medical Insurance
Health insurance is important because it protects you and increases your access to care. That's why having it is a requirement at CMU; each academic year, students must enroll in CMU's student medical insurance plan or apply to waive it.
- All full-time students who are physically located in the U.S. must have medical insurance that meets the university's requirements. Certain programs also require this of their part-time students.
- If your insurance meets those requirements, you may apply to waive CMU's Student Health Insurance Plan (SHIP).
- If you do not have insurance that meets the university's requirements as a full-time undergraduate or graduate student, you must enroll in the medical CMU SHIP. CMU also offers optional vision and dental insurance plans.
- By default, the individual SHIP premium fee is posted on student accounts; the fee will be removed for students who apply for and receive an approved waiver during the open enrollment period. If you do not take action during your annual open enrollment period to enroll in or waive the CMU SHIP, we will enroll you in the medical CMU SHIP when the open enrollment period ends.
You are eligible to enroll in the Carnegie Mellon health plans if you are:
- A full- or part-time degree-seeking Carnegie Mellon student. You must attend the first 31 days of class during the semester you enroll.
- The spouses/domestic partners or dependent children of eligible participants. Students in a domestic partnership can elect benefits for partners by completing domestic partner registration.
Individuals with access to staff benefits, adjunct professors, visiting scholars/researchers and university consultants may not enroll in the student insurance plans. CMU employees enrolled in a degree-seeking program and taking coursework will see a health insurance charge on their SIO account, but are not eligible to enroll in CMU SHIP, nor are they required to submit a waiver application; the insurance charge will be removed from their SIO once Human Resources processes tuition remission.
University Student Health Insurance Requirements
In order to waive CMU's Student Health Insurance Plan (SHIP), all full-time students who are physically located in the U.S. must have health insurance that meets the following requirements:
- is provided by a company licensed to do business in the United States, with a U.S. claims payment office and a U.S. phone number;
- has unlimited annual and lifetime benefits (i.e., no policy maximum);
- will be in force for the duration of your time as a student for the academic year/semester (whichever applies);
- has a maximum deductible of $2,500 individual/$5,000 family. If the student’s deductible is greater than $2,500/$5,000, the student must have a Healthcare Savings Account (HSA) that will allow the student to seek needed medical and mental health care that covers all deductible expenses over $2,500/$5,000;
- covers all of the following (a policy that covers only emergency or urgent care does not meet this requirement):
- Routine, urgent and emergent care for both inpatient & outpatient medical care;
- Mental health treatment;
- Alcohol & substance abuse treatment;
6. Health Maintenance Organization (HMO) plans are acceptable only when the student is physically located in the provider network service area or has an “away from home” rider or guest membership; Not Acceptable are: catastrophic ("young invincible") plans; Children’s Health Insurance Plans; and Kaiser Permanente plans (except for Silicon Valley campus students).
7. Medicaid plans are acceptable only when the student is physically located in the same state that provides the Medicaid Coverage. (Examples: Acceptable: Student residing in FL and has FL Medicaid. Not Acceptable: Student residing in PA and has FL Medicaid); and
8. provides coverage for pre-existing conditions with no waiting period or limitations.
Important Waiver Information
All waivers are reviewed and subject to audit. If a waiver fails to meet the waiver requirements, the student will be enrolled in CMU SHIP.
With an approved waiver, the student is accepting full financial liability for any medical costs incurred.