Carnegie Mellon University

Students who wish to enroll in the CMU SHIP due to a qualifying event or who need to make a change to their SHIP enrollment should email shinsure@andrew.cmu.edu for assistance.

Student Health Insurance Plans

Highmark Blue Cross Blue Shield is our student health insurance provider; plans are available for Carnegie Mellon University undergraduate and graduate students and their eligible dependents. Medical (SHIP), dental and vision plans are available.

get answers to common student insurance Questions

About the CMU Highmark Student Health Insurance Plans

Spring 2024 Premium Rates 

Coverage January 1 - July 31, 2024

Medical Student Health Insurance Plan (SHIP)

          Dental Plan           (optional)

         Vision Plan          (optional)

Student Only $1,522 $122.72 $35.97

Student and:           Partner OR Child

$2,992 $204.97 $69.01
Student and:           Partner AND Child $4,469 $306.47 $101.98
Student and Children $4,469 $306.47 $101.98
Student and:           Partner AND Children $5,946 $306.47 $101.98

 

2023-2024 Premium Rates 

Coverage August 1, 2023 - July 31, 2024

Medical Student Health Insurance Plan (SHIP)

          Dental Plan           (optional)

         Vision Plan          (optional)

Student Only $2,577.00 $207.52 $59.52

Student and:           Partner OR Child

$5,097.00 $348.52 $116.16
Student and:           Partner AND Child $7,629.00 $522.52 $172.68
Student and Children $7,629.00 $522.52 $172.68
Student and:           Partner AND Children $10,161.00 $522.52 $172.68

Using Your SHIP Benefits

Find participating in-network health care providers

Search for in-network health care providers in any U.S. location.

  • Medical Services: search the BCBS PPO network
  • Dental Services: search the Elite Plus network

Highmark BCBS Find a Doctor

Search for covered medications

The CMU SHIP uses the Highmark Comprehensive Formulary, which is a full list of prescription drugs that are covered by the plan. Prescription drug copays are listed on the SHIP Summary of Benefits

Highmark Comprehensive Formulary

Mental Health Resources

The CMU SHIP offers a variety of mental health benefits for members. 

Highmark Member Services

Use your insurance member ID to register an online Highmark account at https://www.highmarkbcbs.com/home/, where you can access all of your insurance details, including benefits and claims, as well as digital insurance cards.

Accessing Your highmark member portal

Highmark member services phone: 1-800-241-5704

CMU SHIP Coverage While Traveling or Living Abroad

CMU SHIP (medical plan) members have access to a global network of healthcare providers through the Blue Cross Blue Shield Global Core program, should you need care while traveling or living abroad.

Global Core details [pdf]

CMU SHIP Emergency Travel Assistance

Members of CMU SHIP (medical plan) can access 24-hour emergency medical and travel assistance while traveling, through the AXA Travel Assistance Program.

Travel Assistance details [pdf]

Telemedicine through Amwell

Members of the CMU SHIP (medical plan) have access to telemedicine services through Amwell. Students can access Amwell services through the Highmark portal. Students must register an account with their insurance member ID at highmarkbcbs.com and can then access a direct link to well360virtualhealth (powered by Amwell) from within the portal. 

Learn more

Highmark Member Discounts

CMU SHIP (medical plan) members have access to a wide variety of health and wellness discounts.

video: Accessing Highmark member discounts

Enroll, Waive, Change or Cancel

Students must enroll in the CMU SHIP or apply for a waiver during their Open Enrollment period. This is a requirement each academic year; enrollments and waivers do not carry over each academic year.

Spring 2024 Open Enrollment Period

New spring semester students: December 18, 2023 - January 31, 2024

The open enrollment period for medical insurance corresponds with a student's first active semester at CMU each academic year. Each academic year, students must either enroll in the CMU SHIP or apply to waive it (if they have insurance that meets university requirements) during their open enrollment period. 

By default, the medical CMU SHIP premium fee is posted on student accounts; the fee is reversed for students who apply for and receive an approved waiver during open enrollment. 

Monthly Payment Option - Fall Open Enrollment Only

Nelnet Campus Commerce allows you to pay your insurance premium in nine monthly payments (September through May). If you already use Nelnet Campus Commerce to pay your tuition and fees, you can add your health insurance premiums to that plan. For details or to enroll in a health insurance payment plan, visit www.cmu.afford.com.

If you are paying for medical, dental and/or vision premiums with a Nelnet payment plan, please first enroll in these plans as instructed above in the Open Enrollment procedure. The monthly payment option is only available during Fall Open Enrollment.

For more information, call 1-800-722-4867 to speak with an Education Payment Counselor.

Apply for a Waiver

To qualify for a waiver, students must verify that they have active medical insurance that meets the university’s requirements. Students (and families where applicable) are responsible for reviewing the university requirements and verifying that their medical insurance meets these requirements.

Waiver applications must be submitted prior to the Open Enrollment deadline. If approved, the student insurance charge will be reversed on the student's account. With an approved waiver, a student accepts full financial liability for any medical costs incurred. If a waiver is not approved (because the plan does not meet university requirements), the student must enroll in the CMU student medical insurance plan. 

After Open Enrollments ends, late waiver applications will only be accepted for two weeks following the deadline and are subject to a late fee.

Students who have extenuating circumstances and wish to request a waiver beyond the two-week late period must submit a formal appeal. Submitting an appeal does not guarantee that a waiver will be approved, but does allow a student's circumstances to be considered. If an appeal is granted and the waiver is approved, the student will be responsible for paying for the student medical plan premium for the months of enrollment. Waiver appeals are not accepted after 90 days from a student's Open Enrollment deadline. Late waiver requests and appeals should be directed to shinsure@andrew.cmu.edu

Change or Cancel SHIP Enrollments

If you've enrolled in the medical SHIP:

  • You can update your personal information and/or add eligible dependents to your plan during your Open Enrollment period.
  • Outside of your Open Enrollment period, you can update your personal information, but can only add eligible dependents if they've had a qualifying life event.
  • Qualifying events are not required for removing a dependent from your plan. Dependents cannot be removed after March 31 of the coverage year.

To make changes to your SHIP enrollment, please email us at shinsure@andrew.cmu.edu for assistance.

Please allow a several business days for processing. If you're enrolling a dependent outside of Open Enrollment, HUB International (the company processing CMU student insurance enrollments) will reach out to you to request documentation (i.e. birth/adoption certificate, marriage certificate or domestic partner registration form) to complete your enrollment. You have 31 days from the qualifying event date to add your dependent to your plan.

Cancellations of the SHIP are only permitted in certain circumstances. Eligible students should email us at shinsure@andrew.cmu.edu when their university enrollment status has been updated to reflect an approved status (or have been approved for Medicaid) and we can assist. Students who cancel may be eligible to receive a pro-rated refund for the remaining months' premiums.  The final deadline to submit a cancellation request form is March 31 and the insurance plan cannot be cancelled after April 1 (May, June & July cancellations are not permitted). 

The option to join a new plan does not make a student eligible to cancel their current insurance enrollment.