Carnegie Mellon University

Open Enrollment Period

The Student Health Insurance Program (SHIP) fall open enrollment period closed on September 15. Full-time students who did not submit an enrollment form or apply for a waiver before September 15 will now be auto-enrolled in the student medical insurance plan. 

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.

You are eligible to enroll in the Carnegie Mellon health plans if you are: 

  • A full- or part-time matriculating 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 and university consultants may not enroll in the student insurance plans.

About the 2021-2022 Highmark Student Insurance Plans

Annual Premiums & Plan Documents

For coverage August 1, 2021 - July 31, 2022

Student Health Insurance Plan (SHIP)

          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

Dental Plan Coverage

Vision Plan Coverage

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

Eligible participants must enroll in CMU's health plan(s) or apply for waivers during the Open Enrollment period. Fall 2021 Open Enrollment will begin July 19 and remain open until September 15, 2021. Please note that, 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. Full-time students who do not submit an enrollment form or waive the CMU SHIP before the end of Open Enrollment will be automatically enrolled in the student medical plan. 

Open Enrollment

The Fall 2021 Open Enrollment period will be July 19 - September 15, 2021.

The open enrollment period for medical insurance corresponds to an individual's first active semester on campus each academic year. Participants must make their medical insurance decision during this period, and can also enroll their spouse or domestic partner and/or dependent children in their chosen plan.

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

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

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 will be accepted during Open Enrollment, until September 15.

Waiver applications submitted before the September 15 deadline will be processed as on-time waivers. Any student with a waiver that is under review or awaiting documentation does not need to pay the student insurance charge portion of their invoice (nor will the charge accrue interest) while the waiver is still pending approval. If approved, the student insurance charge will be removed from the account; if a waiver is not approved because the student's insurance does not meet university requirements, the student will then 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 with questions.