Student Health Insurance

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Student Health Insurance Plan

Spring/Summer 2025 Waiver/Enrollment Period

Open 12/1/24-12/31/24

MUSC’s school sponsored health insurance administered by Academic HealthPlans (AHP)
and underwritten by Blue Cross Blue Shield of South Carolina insurance will be open 12/1-12/31.

MUSC requires all students to maintain health insurance as a condition of enrollment.

You are encouraged to choose an insurance plan that best meets your needs.

Your tuition account will be automatically charged each semester for the new school-sponsored student health insurance plan through BlueCross BlueShield.

The premium for the Spring/Summer term is $1,849.71.

If you already have health care coverage through other sources, you must complete the online waiver process by December 31st to remove the insurance charge from your bill.

All students need to access the student health insurance system through AHP and follow the “opt-out” or “enroll” links.

Spring/Summer coverage period: January 1, 2025 –July 31, 2025

Spring/Summer premium: $1,849.71 ($264 per month)

Final deadline to waive: December 31, 2024

Please note, if you neither waive nor enroll in the student health plan, you will automatically be enrolled after the posted deadline. The Spring/Summer deadline to waive is December 31, 2024. The insurance premium is non-refundable after this deadline.

What does the student health insurance plan include? (Medical, Dental, Vision)

Insurance cards

Please be sure to carry your insurance card with you at all times. You can obtain an electronic ID card in the My Health ToolKit or the mobile app.

Enrollment for spouses and dependents

Students who are enrolled in the school-sponsored plan may also enroll spouses and dependents under the plan by paying AHP directly.

https://musc.myahpcare.com/enrollment

Academic Health Plans/Blue Cross Blue Shield

AHP Customer Service: 855-850-4302

https://help.ahpcare.com

MUSC Student Health Insurance Contact Information

Insurance email: studenthealthins@musc.edu

Find answers to your frequently asked questions here.

INSTRUCTIONS

To Waive Out of Student Insurance/Provide Proof of Insurance

The waiver process must be completed each semester to remain effective. Before you begin, please make sure you have your current insurance card and nine-digit Student ID number available (also known as “PVID” number which starts with 900XXXXXX or 910 XXXXXX). Your PVID may be found 24/7 through the MUSC Student Portal.

  • Have an electronic copy of your current insurance card
  • Go to: https://musc.myahpcare.com/waiver
  • Select the waive or enroll link.
  • Login to the system by using the following:
    • Student ID – 9-digit MUSC PVID (Ex: 900XXXXXX)
    • Password – Date of Birth in MMDDYYYY format (Ex: 01011990). Please change your password after initial login.
  • Select the ‘Sign In’ button.
  • On the home page, select the red “WAIVE” button from the "I Already Have Health Insurance” section.
  • Enter your insurance information and attach your required documentation.
  • Select the ‘Submit Waiver’ button at the bottom of the waiver form.
  • You will receive a confirmation email when your waiver has successfully been submitted. Please keep this for your records.
  • You will receive additional emails pertaining to the status of your waiver request.
  • For questions, please visit help.ahpcare.com

Requirements for waiver approval:

  • Plan must be fully compliant with the Affordable Care Act (ACA):
  • Provide the Essential Minimum Benefits required by the ACA with no annual limits. A list of the Essential Minimum Benefits
  • Contain no exclusions for pre-existing conditions.
  • Covers 100% of Preventive Care as defined by the ACA. List of Prevenatative Services
  • Coverage must be effective on or before January 1, 2025.
  • Coverage must extend through the semester including breaks and holidays.
  • Plan must provide full benefit coverage in the state of South Carolina. Plans with emergency coverage only will be denied.
  • International Students: Proof of Repatriation and medical evacuation expenses in the combined amount of no less than $50,000. If the health plan does not include medical evacuation and repatriation, a rider must be purchased providing coverage at equal limits to the SHIP.

NOTE: The following plan(s) will NOT be acceptable for waiver approval:

  • Healthcare Sharing Plans are not accepted.
  • Short-term coverage plans are not accepted.
  • Financial Assistance plans are not accepted.
  • Travel plans or plans that require you to pay for treatment yourself and then apply for reimbursement are not accepted.

To Purchase and Enroll in the Student Health Insurance Plan

Students taking 6 or more credit hours AND enrolled in a degree seeking program are eligible to purchase student insurance. Before you begin, please make sure you have your current insurance card and nine-digit Student ID number available (also known as “PVID” number which starts with 900XXXXXX). Your PVID may be found 24/7 through the MUSC Student Portal.

  • Go to MUSC My AHP Care for enrollment
  • Select the ‘Click here to waive or enroll’ link.
  • Login to the system by using the following:
    • Student ID – 9-digit MUSC PVID (Ex: 900XXXXXX)
    • Password - Date of Birth in MMDDYYYY format (Ex: 01011990). Please change your password after initial login.
  • Select the ‘Sign In’ button.
  • On the home page, click the "ENROLL" button under the “I Need Health Insurance” section.
  • Read the Terms and Conditions.
  • If you accept them, enter your initials in the box and select the ‘OK button’.
  • For questions, please visit Get Help AHP Care

Enrollment for Spouses and Dependents:

Students who are enrolled in the school-sponsored plan may also enroll spouses and dependents under the plan by paying Academic Health Plans directly during open enrollment or due to a qualifying event.

To access your PVID in the Student Life Portal

screenshot of PVID in Student Life Portal

Frequently Asked Questions

AHP Video Library

Video tutorial quick tips for getting the most out of your health insurance