If you have health insurance through an individual plan or covered as a dependent
on your parent, spouse, partner or guardian’s health insurance plan, you can waive
the Student Health Insurance Plan at sc.myahpcare.com
Required Health Insurance
ALL USC COLUMBIA STUDENTS MUST HAVE HEALTH INSURANCE, including: undergraduates taking six hours or more and paying the student health
fee; graduate students taking six hours or more; graduate students with assistantships;
USC School of Medicine students enrolled in 1 or more hours and all international
Fall 2023 waiver opens June 1, 2023 and closes on Friday, September 8, 2023. Spring 2024 waiver opens on November 2, 2023 and closes on Friday, February 2, 2024.
Waivers cannot be accepted after this deadline. Please have your health insurance
information available and go to: sc.myahpcare.com and enter your information. Be sure to complete all sections of the waiver.
The Waiver Process
You will receive an email confirming your waiver once your health insurance information
has been verified. You may also receive an email requesting more information.
Please note that your payment for your tuition bill is due in full by the payment
deadline. To avoid paying for your health insurance and waiting for reimbursement,
please submit your waiver 10 days before the tuition payment date.
Students that do not have comparable health insurance or show proof of health insurance
will automatically be enrolled in and charged for the Student Health Plan by the waiver
Comparable Insurance Requirements
To waive out of the Student Health Insurance Plan, your comparable health insurance
coverage must meet the following requirements.
Effective as of August 1 for the fall term or January 1 for the spring term and have
Your plan must allow you to receive health care services in South Carolina and include
at a minimum:
Ambulatory Patient Services
Chronic Disease Management
Maternity and Newborn Care
Mental Health and Substance Use Disorder Treatments (including behavioral health treatment)
Preventive and Wellness services
Rehabilitative and Habilitative Services and Devices
Provide unlimited aggregate maximum benefit per policy year per covered person.
Does not have a pre-existing condition limitation.
Out-of-pocket limit per policy year that does not exceed $7500 per individual and
$15,000 per family.
Travel policies will not be accepted.
Plan Benefits must also include:
A minimum benefit of $50,000 for medical evacuation and $25,000 for repatriation of
Coverage must allow the insured student to receive services in South Carolina, cover
the student while in school in the U.S. or on USC-related educational travel and all
minimum benefits listed above.
J-1 Exchange Students and J-2 Dependents
Plan Benefits 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+
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