MSU student health insurance waiver

Waiver Requirements/Process

MSU students who are automatically enrolled in the student health insurance coverage have the option of waiving the MSU Student Insurance Plan and purchasing other coverage. Currently, students who are required to have health insurance coverage include medical students, veterinary students and international students.

If you are a Medical, Veterinary or International Student:

The charge for the MSU Student Health Insurance Plan will automatically be added to your tuition bill. However, if you can demonstrate that you have other coverage that meets the waiver criteria, you may apply for a waiver. If your waiver is accepted, the insurance charge will be removed from your tuition bill for the period requested. If you do not apply to waive coverage by the deadline, the insurance charge will remain on your tuition bill and you will automatically be enrolled in the insurance plan for fall or spring semester. You may apply for a waiver under your StuInfo account.

Waiver Criteria

In order to waive the MSU Student Health Insurance Plan, your coverage must meet minimum criteria to receive approval. The waiver criteria are different depending upon the student type.

International Student Waiver Criteria

  • Does your plan cover at least a minimum of $500,000 per condition without time limitation?
  • Does your plan have a policy year deductible of $500 or less per individual?
  • Does your plan cover inpatient and outpatient medical services (including labs and x-rays)?
  • Does your plan cover inpatient and outpatient mental health services?
  • Does your plan cover prescriptions up to a minimum of $500,000?
  • Does your plan have a maximum out of pocket limit of $2000 per individual and $4000 per family?
  • Does your plan provide coverage worldwide?
  • Does your plan have $50,000 or more provision for medical evacuation to your home country?
  • Does your plan have $25,000 or more provision for repatriation (removal of remains after death) to your home country?
  • Does your plan have coverage for HIV infection, including Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex, and a positive HIV test? (Not applicable if you are not an international medical student.)
  • Does your plan provide coverage for the waiver period requested?

Medical Student Waiver Criteria  (Human Medicine/Osteopathic Medicine/Vet Medicine)

  • Does your plan cover at least a minimum of $500,000 per condition?
  • Does your plan cover inpatient and outpatient coverage per condition?
  • Does your plan cover inpatient and outpatient coverage for mental and/or nervous disorders?
  • Does your plan provide coverage worldwide?
  • Does your plan have coverage for HIV infection, including Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex, and a positive HIV test? (Not applicable if you are not a medical student.)
  • Does your plan provide coverage for the waiver period requested?

Waiver Periods and Deadlines:

  • Fall/Annual: July 3 – September 30
  • Spring I: October 12 – February 15
  • Spring II: October 12 – February 15
  • Spring III: March 14 – June 30

You can only waive coverage for Spring III if you are a new student. For all other enrollment periods, if you do not complete a waiver prior to the deadline, you will have to wait until the next waiver period to waive coverage.

Additional information regarding other health plan options.

If you have questions regarding the waiver criteria or process, please contact MSU Human Resources at 800-353-4434 or SolutionsCenter@hr.msu.edu.