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.
  5. Upload your insurance ID card on your Patient Portal

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.

If you are an international student or an online student for Fall 2021 and will not be on campus to study in-person, you are urged to complete the health insurance waiver process even while studying abroad or online, to avoid being charged and enrolled in the student health insurance.

If you requested a waiver for the fall semester and will NOT be returning to campus in the spring, your waiver will remain in place for the remainder of the academic year. No further action is needed at this time.

If you waive in the fall but WILL return to campus in the spring and wish to enroll in the Emory student health insurance plan upon your return, please contact the Insurance Office at or 404-727-8959 to help facilitate your enrollment. You will not be enrolled automatically.

Because this is a manual process for both enrollment and waiver requests, please allow the time needed to make the necessary adjustments on your behalf. For additional questions regarding the payment of this fee, please contact Student Financial Services are 404-727-6095 or

If you are enrolled in an out of state Medicaid insurance plan, please be aware that coverage may not transfer out of your home state. At most, emergency care may be available however, emergency care only does not satisfy the university’s health insurance requirement. If coverage does not transfer to Georgia,  students can be left underinsured or entirely uninsured while at school, possibly affecting a student’s academic career long term if anything were to happen. Please contact your individual state plan to verify your eligible benefits in Georgia.

The university continues to work through this important issue in hopes to mitigate the financial strain on our students and families.

Recommendations for coverage include the following:

(1) Enroll in the Emory University student health insurance plan (EUSHIP) for the fall semester only; enroll in an accepted alternative plan for the spring term (the fall charge will then adjust to a fall only premium, being less than the initial insurance charge billed);

(2) Enroll in Georgia Medicaid or a partner plan or;

(3) Enroll through the ACA marketplace.  


Financial advice and assistance are available through the offices below, including payment options through the Emory Payment Plan (EPP).


Student Financial Services


Office of Financial Aid


Registrar’s office



Accepted plan options to waive the Emory University Student Health Insurance Plan:

Georgia Medicaid at

Amerigroup Medicaid

ACA market place plans at 

(Depending on personal income and other criteria, allowable subsidies and/or additional credits may be available)

United Healthcare -


Cigna -

In fall 2006, Emory University instituted a mandatory health insurance requirement for all degree-seeking and all international students. Updates to the waiver and refund processes associated with the insurance requirement are outlined below.

In addition, the Student Health Services (SHS) website features extensive information on the waiver process (

  • Students who have other insurance plans (i.e., parent’s plan, employer, individual, etc.) that satisfy Emory’s requirements and wish to waive the Emory University Student Health Insurance Plan (EUSHIP) must do so every new academic year. The waiver process is an annual process, which must be completed every year by every student. 
  • Emory has designated official university email as the preferred mode of communication with students, faculty, and staff. Students are expected to read all official Emory emails, as are faculty and staff.  
  • Students and parents were surveyed – more than 1,200 students responded – about their preferred method for receiving information about the insurance requirement; an overwhelming majority chose email.
  • New and returning students each received three or four emails throughout the summer (including parents of undergraduates) about the insurance requirement and the waiver process. All email communications are stored in the student’s Communication Center via OPUS, Emory’s student portal, which reflects read or unread status.
  • Emails about the insurance requirement and deadlines are sent to parents of continuing students as a reminder of this process. Because OPUS may not have current email addresses for all parents, SHS’ insurance-related decisions are not solely based on email communications to parents. However, emails are sent to all students new and returning, which they are expected to read as official Emory communications.
  • Approximately 10,000 students successfully complete a waiver each new academic year before the waiver deadline; nearly 6,500 are continuing students.
  • The deadline for student health insurance waivers is September 15 of each academic year. After that date, beginning fall 2020, there is no waiver appeals process. The Emory University Student Health Insurance Plan is an annual policy; therefore, students are expected to maintain enrollment in the plan for the entire academic year. Previously, as a courtesy, students who missed the fall waiver deadline were permitted to submit an appeal for reconsideration in the fall and again in the spring. This is no longer the case.
  • The health insurance charge systematically posts to each student’s account (until they receive a waiver) as early as possible for the pre-term bill in July. The second installment for spring will post as early as November.
  • Emory and Aetna Student Health will reconcile enrollment and payment in September on behalf of all students enrolled in the plan (5,000+ each year).
  • Once the enrollment and payment of the plan are reconciled, no further financial adjustments (e.g., student refunds of the health insurance charge can be made. In cooperation with Student Financial Services, financial refunds or adjustments are not to extend beyond one prior semester.
  • Requests for an insurance appeal or charge reversal due to a student’s failure to meet the university’s waiver requirements and deadlines will be reviewed by the EUSHIP leadership team and considered on a case-by-case basis with no guarantee of approval. Financial and situational circumstances may be taken into account. When an appeal and refund are requested, a log of the emails sent to the parent and student are gathered to ensure that emails were sent to all parties involved. Previous waiver dates are also reviewed to determine awareness of the established process.
  • In the event a request is not granted for the reasons stated above, the student’s insurance coverage will remain active for the academic year for which they are enrolled. The EUSHIP offers both domestic and international coverage with Emory Care and Aetna participating provider networks. For a complete review of the plan design, including a complete list of Covid-19 coverage provisions, visit the Aetna Student Health website or the Student Health Services website at

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.

Phone Number


Contact Us


1525 Clifton Road
Atlanta, Georgia 30322

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Patient Portal

Schedule appointments, request prescription refills, send secure emails and more.