Carnegie Mellon University

2019-2020 University Student Health Insurance Requirements

All full-time registered students must have health insurance that:

  1. 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
  2. has unlimited annual and lifetime benefits (i.e., no policy maximum)
  3. will be in force for the duration of the academic year, or until their program ends
  4. has a maximum deductible of $2,500 individual/$5,000 family
    1. 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.

 5. covers all of the following in the city where the student is attending CMU classes (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, and
- Alcohol & substance abuse treatment

 6. is NOT:

- a Health Maintenance Organization (HMO) plan without an “away from home” rider
- an out-of-state Medicaid plan (only PA Medicaid for Pittsburgh Campus, CA Medicaid for Silicon   Valley Campus, NY Medicaid for NYC Campus accepted for waivers)
- a catastrophic ("young invincible") plan
- Children’s Health Insurance Plans
- Kaiser Permanente

7. provides coverage for pre-existing conditions with no waiting period or limitations.

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

All waivers are reviewed by University Health Services. If a waiver fails to meet the waiver criteria, the student will be enrolled in the Carnegie Mellon University Student Health Insurance Plan (CMU SHIP).