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Secure Insurance

All international students are required to have health insurance at USC. You will automatically be enrolled in the AIG insurance plan that USC offers. However, if you have a different health insurance plan that you would prefer to use, you will need to "waive out" of USC's insurance.

What you should know about USC's insurance plan

  • Basic information about USC's insurance can be found through Student Health Services.
  • Coverage for the 2016-2017 academic year begins August 15, 2016 and terminates on August 14, 2017.
  • Health Insurance at USC is not free. The charge for USC's insurance will appear on your tuition and fee bill every semester. For Fall 2016, USC's plan cost $1,105; for Spring & Summer 2017, the cost is $1,442.
  • Some graduate assistantships will offer an insurance subsidy to reduce the cost of insurance. Ask your academic department for further details.
  • You are responsible for being aware of all of the benefits and restrictions for your insurance plan. All information regarding USC's insurance plan can be found on the Student Insurance AIG website.
  • To receive your insurance card, you will need to enroll online and submit your information to AIG. If you do not have a U.S. address yet, you may list the International Student Services address for the purposes of receiving your card. You may also download your insurance card from the AIG website.

What you should do if you will not be using USC's insurance plan

If you do not plan to USC the AIG insurance provided by USC, you will need to take steps every semester to "waive out" of USC's plan. Step by step instructions for waiving out are available. If you fail to waive out of USC's insurance, you will be charged for the university provided health insurance, even if you have an alternative plan. You must waive out every Fall and Spring. Past waivers will not be vaild.

You can only waive out of USC's insurance if you have a health insurance plan that meets all of the waiver requirements set by USC. The waiver requirements are can be found on the Student Health Services website. Waiver requirements are also listed below.

2016-17 Comparable Plan Coverage Criteria

  • Coverage must be effective on or before August 1 (Fall term) or January 6 (Spring term) and extend through the semester, including breaks and holidays
  • Coverage must allow the insured student to receive services in South Carolina (note – these are requirements for all plans according to the Patient Protection Affordable Care Act):
    • Ambulatory patient services
    • Emergency services
    • Hospitalization
    • Maternity and newborn care
    • Mental health and substance use disorder services (including behavioral health treatment)
    • Prescription drugs
    • Rehabilitative and habilitative services and devices
    • Laboratory services
    • Preventive and wellness services (to include Dental and Vision)
    • Chronic disease management
    • Pediatric services including oral and vision care 
  • Unlimited aggregate maximum benefit per policy year per covered person
  • No pre-existing condition limitation
  • Out-of-pocket limit per policy year not to exceed $6,350/individual and $15,000/family
  • A combined benefit of $100,000 for medical evacuation and repatriation of remains.

For J-1 exchange visitors and their J-2 dependents, the U.S. Department of State regulations require that the health insurance plan must also meet one or more of the following criteria (the University plan meets these criteria): 

  • Part of a group benefits program offered to enrolled students by a designated sponsor, or
  • A health maintenance organization (HMO) that is federally-qualified as determined by the Health Care Financing Administration (HFCA) of the U.S. Department of Health and Human Services, or
  • A Competitive Medical Plan (CMP) as determined by the Health Care Financing Administration (HFCA) of the U.S. Department of Health and Human Services, or
  • Underwritten by an insurance company that has an AM Best Company rating of "A-" or above, an Insurance Solvency International, LTD. (ISI) rating of "A-" or above, a Standard and Poor's Claims Paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of "B+" or above.