In 2018, Emory University successfully became a self-insured (self-funded) student health insurance plan. As a self-insured plan, Emory operates its own student health plan with Aetna Student Health as the plan administrator. And with the uncertainty of available healthcare options, this is the perfect time to consider the Emory University Student Health Insurance Plan (EUSHIP). For additional plan information, please visit the Aetna Student Health website at


Waiver Process


Follow these steps to complete the waiver process:

  1. Go to
  2. Enter using your Emory Network ID and Password
  3. Complete the Emergency Alert Notification Information page
  4. Select the “Health” tile on the Applicant Homepage or Student Homepage.  Then complete the “Health Insurance Waiver” and follow the four steps to complete the process.

Email notification will be stored in the Communication Center located in OPUS under the Student Center.

In order for an insurance plan to meet the Emory University mandatory insurance waiver criteria, the insurance plan must feature all of the following:

  • The individual plan deductible is no more than $2,500 per insured per year or $500 per illness. If my plan exceeds the $2,500 deductible maximum, I can provide proof of a Health Savings Account (HSA) if required, that will allow me to seek needed medical and mental health care when recommended by a healthcare provider and will cover all deductible expenses over $2,500. The plan provides unlimited annual and lifetime benefits (i.e., no policy maximum)
  • The plan provides prescription drug coverage
  • Cannot exclude or limit coverage for pre-existing conditions
  • 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.
  • 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 is currently active, and you agree to maintain health insurance throughout the policy year, i.e. through the end of this year’s enrollment term at Emory.  If you lose coverage, you must notify Emory immediately.

For information about the Aetna health insurance plan offered for Emory students click here, or go to (click on Find Your School and choose Emory University). There is also information about insurance, EUSHS fees and billing practices on our web site click here.

Your waiver is subject to verification. You will be notified via email by Aetna Student Health, once a decision has been made. Please allow 3-5 days for verification.

International Students that will be studying online and will not be in the U.S. to study in-person, the health insurance requirements will not apply, although it is encouraged that you maintain coverage even while studying abroad. If you are requesting to waive the Emory University Student Health Insurance Plan for the fall semester, please contact the Insurance Office at Your waiver will remain in place for the entire academic year unless or until you return to campus. If you choose to enroll in the Emory student health insurance plan upon your return to campus in the spring, please contact the Insurance Office to help facilitate the enrollment.

Because this is a manual process, please allow the time needed for the waiver to be generated on your behalf. Your waiver should be entered by the Sept 15th deadline at which time, the health insurance charge will reverse systematically within 24-48 hours. For additional questions regarding the payment of this fee, please contact Student Financial Services are 404-727-6095 or

Student Health Services

Emory University Student Health Services (EUSHS) provides outpatient care for enrolled Emory students with a valid Emory ID card. International student's spouses, Domestic Partners and unmarried children over 18 years of age are also eligible for primary medical care if they are currently enrolled in the Emory/Aetna Student Health Insurance Plan.

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