Carnegie Mellon University

Student Health Insurance Plans

Highmark Blue Cross Blue Shield will be our 2021-2022 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 enrollment and waiver Questions

About the 2021-2022 Highmark Student Insurance Plans

Annual Premium Rates & Plan Documents (New fall students)

Coverage August 1, 2021 - July 31, 2022

Student Health Insurance Plan (SHIP Medical)

          Dental Plan           (optional)

         Vision Plan          (optional)

Student Only $2,260.64 $226.00 $70.56
Student +1 $4,486.28 $379.84 $138.36
Student +2 $6,711.92 $569.56 $205.92
Student +3 or more $8,937.56 $569.56 $205.92
Plan Documents [pdf]

       Medical Plan Coverage           SHIP Summary of Benefits

Medical Plan Book

Dental Plan Coverage

Vision Plan Coverage

Coverage January 1 - July 31, 2022

Student Health Insurance Plan (SHIP Medical)

          Dental Plan           (optional)

         Vision Plan          (optional)

Student Only $1,333.29 $226.00 $70.56
Student +1 $2,631.58 $379.84 $138.36
Student +2 $3,929.87 $569.56 $205.92
Student +3 or more $5,228.16 $569.56 $205.92
Coverage May 1 - July 31, 2022

Student Health Insurance Plan (SHIP Medical;         Dental & Vision not available)

Student Only $591.41
Student +1 $1,147.82
Student +2 $1,704.23
Student +3 or more $2,260.64

Additional Benefits for SHIP (medical plan) Members

Blue Cross Blue Shield Global Core

CMU SHIP (medical plan) members have access to a global network of healthcare providers, should they need care while traveling or living abroad.

How to use Global Core [pdf]

AXA Travel Assistance Program

Members of CMU SHIP (medical plan) can access 24-hour emergency medical and travel assistance while traveling.

About AXA Travel Assistance [pdf]

Telemedicine through Amwell

Members of the CMU SHIP (medical plan) have access to telemedicine services through Amwell. 

Video: About Amwell virtual medicine

How to use Amwell virtual medicine [pdf]

 

 

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 CMU SHIP or apply for a waiver during their Open Enrollment period. Open Enrollment for new summer semester students will be May 1 - May 30, 2022.

By default, the Student Health Insurance Plan 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. Full-time students who do not submit an enrollment form or receive an approved waiver before the end of Open Enrollment will be enrolled in the student medical plan. 

Open Enrollment

Summer 2022 Open Enrollment will be May 1 - May 30, 2022. 

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

Beginning May 1, new summer students can fulfill this requirement by:

  • Logging into SIO, selecting Campus Life, then Health Insurance
  • Clicking the Highmark link
  • Selecting the option to enroll in CMU SHIP or apply for a waiver 
  • Submit a completed application form and provide all required documentation

Enrollment for vision and dental plans is only available during fall and spring open enrollment. Both timeframes are open to all eligible participants.

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 already have medical insurance that meets the university’s requirements. Waiver applications are only accepted during Open Enrollment.

Waiver applications submitted before the end of Open Enrollment will be processed as on-time waivers. If approved, the student insurance charge will be removed from the account; if a waiver is not approved (because the plan does not meet university requirements), the student will be enrolled in the student medical insurance plan. 

With an approved waiver, the student is accepting full financial liability for any medical costs incurred.

2020-2021 Student Health Plan Guides

Students who were on last year's Aetna Student Health Insurance Plan (coverage through July 31, 2021) who need plan information can contact shinsure@andrew.cmu.edu with questions.