Beginning fall 2018, USC-Columbia students will be required to have health insurance.
This requirement applies to: undergraduates taking six hours or more and paying the student health fee, graduate students taking six hours or more and all international students.
The Waiver Process
Complete the online waiver online process before the deadline to have the health insurance
fee removed from your tuition. You'll need to have your proof of insurance ready.
The 2018-2019 waiver site will open June 18. Check back soon for more information.
Waivers are only accepted online and no waivers will be accepted after the deadline.
You must waive out each semester. If you don't waive out for a semester, you will automatically be enrolled in the student
insurance plan and billed by the Bursar's Office.
Who Can Waive Out
If you have a comparable health insurance plan that meets university requirements, you can waive out before the waiver deadline.
Otherwise you must purchase the Student Health Insurance Plan.
University Insurance Requirements
To waive out of the university-sponsored Student Health Insurance Plan, your health insurance coverage must:
- Be effective as of August 1 for the fall term or January 6 for the spring term.
- Extend through the semester you've waived out for, including breaks and holidays.
- Allow you to receive services in South Carolina.
- Give you unlimited aggregate maximum benefit per policy year per covered person.
- Not have a pre-existing condition limitation.
- Have an out-of-pocket limit per policy year that does not exceed $6,350 per individual and $15,000 per family.
Plan Coverage Criteria 2017 - 2018
Required for all plans according to the Patient Protection Affordable Care Act.
- Ambulatory Patient Services
- Chronic Disease Management
- Emergency Services
- Laboratory Services
- Maternity and Newborn Care
- Mental Health and Substance Use Disorder Treatments (including behavioral health treatment)
- Prescription Drugs
- Preventive and Wellness services (including dental and vision)
- Rehabilitative and Habilitative Services and Devices
International Student Requirements
If you have your own insurance plan and want to waive out, your plan must meet the insurance requirements for all students plus have a combined benefit of $100,000 for medical evacuation and repatriation of remains.
J-1 Exchange Students and J-2 Dependents...
Your plan must also meet one or more of the following criteria:
- Part of a group benefits program offered to enrolled students by a designated sponsor.
- A health maintenance organization (HMO) that is federally qualified as determined by the Health Care Financing Administration (HFCA) of the U.S. Department of Health and Human Services.
- A Competitive Medical Plan (CMP) as determined by the Health Care Financing Administration (HFCA) of the U.S. Department of Health and Human Services.
- Underwritten by an insurance company that has an AM Best Company rating, a Insurance Solvency International LTD (ISI) rating, or a Standard and Poor's Claims Paying Ability rating of A- or above.
- Underwritten by an insurance company that has a Weiss Research, Inc. rating of B+ or above.