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Appeals Process/ Form

When the Annual Waiver process ends, the waiver site via OPUS will close. This date for the Fall Semester is in late August, for the Spring Semester it is January 19th, and for the Summer Semester it is May 19th. 

If you wish to waive the Emory University Student Health Insurance Plan but you missed the waiver deadline or your insurance does not meet the health insurance requirements (listed below), you can submit an appeal for additional review and reconsideration.  Click here for the appeals process form

Upon further review, a decision will be rendered on or before the September 15th (Fall), February 8th (Spring) and June 18th (Summer) appeals deadlines. If your appeal is approved, a waiver will be generated on your behalf, at which time, the health insurance charge will reverse systematically within 1-2 days of completion. If your plan is denied, you will be required to enroll in the student health insurance plan for the academic year in which you are enrolled.

 Health Insurance waiver criteria includes:

  • The plan deductible is no more than $2,500 per insured per year or $500 per illness.
  • The plan provides unlimited annual and lifetime benefits (i.e., no policy maximum).
  • Cannot exclude or limit coverage for pre-existing conditions.
  • The plan provides prescription drug coverage.
  • The plan must have 100% coverage for preventive care, including vaccinations, in Atlanta, GA and surrounding areas.
  • My plan provides coverage for both emergency and non-emergency inpatient and outpatient medical (laboratory, diagnostic services, primary and specialty care, and physical therapy included) and mental health care in Atlanta, GA or the surrounding areas.
  • Medicaid products do not meet this waiver criteria especially if they are out of state plans. If you have questions or concerns about your specific plan, please contact our Insurance Department at or 404-727-7560 or 404-778-6692 for assistance with navigating the waiver process. 
  • The insurance plan must cover at least 75% of usual and customary charges in Atlanta, GA and surrounding areas. The plan may not contain specific limitations for the treatment of medical conditions relative to standard hospital or outpatient care. For example, an insurance plan that has limited coverage of hospital room and board to $500 or limited coverage of ambulance costs to $350 would not be acceptable.
  • The insurance coverage is not through a medical cost sharing or co-op type program.
  • The plan has a U.S. based claim administrator, a U.S. telephone number and address for submission of claims, and the policy is issued in the U.S.
  • Oral contraceptives must be covered at 100% of usual and customary charges in the Atlanta, GA. area.
  • The insurance plan must cover both inpatient and outpatient mental health treatment and must cover treatment for substance abuse (both alcohol and drug abuse).
  • The plan must have a “medical evacuation to home country” benefit of at least $50,000 and a “repatriation of remains” benefit of at least $25,000.
  • Your insurance plan has an A.M. Best rating of A- or better.
  • The plan is currently active, and I agree to maintain health insurance throughout the policy year, i.e. through the end of this year’s enrollment term at Emory. If I lose coverage, I will notify Emory immediately.

If you have questions about the online student health insurance waiver process, or questions related to the Emory University Student Health Insurance Plan (EUSHIP),  please contact our Student Health Insurance Plan Office at or by phone at 404-727-7560.

revised 10/31/2019