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Waiver Instructions

All International students are subject to the mandatory health insurance requirement. Only students who choose to have insurance other than USC’s insurance are required to fill out an insurance waiver. If you need to waive USC’s insurance, you must fill out a waiver every Fall and Spring semester. Past waivers will not be valid. When submitting the waiver, you will need your USC student ID number, VIP ID number, and your local address. Do not use your social security number when filling out the waiver. The Fall 2017 insurance waiver period began on June 9, 2017 and will end on September 15, 2017.

Insurance waivers will not be accepted after September 15, 2017. Please waive as early as possible to avoid issues with paying tuition, waiting for refunds, or having your classes dropped.

Step by step waiver submission instructions

To submit the waiver, please go to the Student Insurance AIG website and follow these instructions (if you have an AIG account already, you will need to log in and waive from there):

  • Under "Find your school": Type and click “University of South Carolina – USC”
  • In the “Enroll/Waive” box in the bottom left:
    • Returning students:
      • Click “USC – Columbia Returning Students (Med, Grad & Intl)
      • Log into your account
      • Provide all the requested information and complete the waiver
    • New students:
      • Click “New Waive (Medical, Graduate, & International”
      • Check the box that says “I understand that I will be required to waive out of this plan each semester, Fall and Spring/Summer semester.”
      • Click the “Waive” button
      • Provide all the requested information and complete the waiver

After submitting the waiver, you should receive an instant computer screen message informing you that you have successfully submitted the insurance waiver and should have a pending waiver and a confirmation number. Save the confirmation number for future reference. After your insurance information has been verified, you will receive an email from AIG/Educational Markets informing you that you have an approved waiver or a declined waiver. Please read these emails closely. Sometimes they will ask you to send more information like a copy of your insurance card or benefit summary. If you receive a declined waiver, you will have an explanation as to why the waiver was declined. You will then be able to update your waiver information on the website screen and resubmit.

If you do not receive any of these messages after submitting your waiver, you need contact the USC Student Health Center before the waiver deadline for assistance.

Waiver Frequently Asked Questions

What does it mean to waive out?

Waiving out means that a student shows they are already covered by a health insurance plan that meets minimum requirements and does not need the student health insurance coverage. The premium fee will be removed from the student’s tuition bill.

What health insurance coverage is required to waive out of the Student Health Insurance Plan?

Coverage must allow the insured student to receive services in South Carolina and have coverage for the following services:

  • Out-of-pocket limit per policy year not to exceed $6,350/individual and $12,700/family.
  • Ambulatory patient services
  • Emergency services
  • Hospitalization
  • Maternity and newborn care
  • Mental health and substance use disorders (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
  • Unlimited maximum benefit per policy year per covered person
  • No pre-existing condition limitation
    Note – Medicare, Medicaid and Tricare plans are accepted as proof of adequate health insurance coverage.
How will I know if my personal health insurance qualifies and I have successfully waived out?

Students will receive an email typically within 48 hours of entering their health insurance information on the secure web-site from Consolidated Health Plans, the Student Health Insurance provider, confirming that their waiver has been accepted. Please remember to check your spam email account.

When will the Student Health Insurance Plan fee be waived?

Students who waive out by July 18, 2017 will not see the health insurance premium fee on their tuition bill. Students who successfully waive out after July 18, 2017 should see the fee removed within two business days. The Student Health Insurance Plan fee will automatically be removed from a student’s tuition bill after the waiver has been accepted.

What is the deadline to waive out of the Student Health Insurance Plan?

The deadline is September 15, 2017. Please keep in mind if you purchase another policy, coverage must be effective on or before August 1, 2017 (fall term) or January 2, 2018 (spring term) and extend through the entire year (and/or semester), including breaks and holidays.

If my waiver application is denied, how will I be notified?

You will receive email notification if your waiver application has been denied, usually within 48 hours of submitting the information. Please remember to check your spam email account. If you have questions about why the health insurance waiver was denied please contact Consolidated Health Plans, at 877-657-5030. You may also contact SHS’s Health Insurance Assistance office by email sahiao@mailbox.sc.edu or at 803-777-3175, option 3.

What if I miss the deadline and get charged for the Student Health Insurance Plan?

You can submit an appeal if your waiver is denied. These appeals must be submitted to Student Health Services’ Health Insurance Assistance Office either by email or by phone. Each appeal will be carefully reviewed. If you have questions about the proof of insurance requirement, contact the Health Insurance Assistance Office at 803-777-3175, option 3 or sahiao@mailbox.sc.edu.

What if I waive out of the Student Health Insurance Plan and later lose my health insurance coverage?

If you experience a qualifying event, you are allowed to purchase the Student Health Insurance Plan within 31 days of the qualifying event. A qualifying event means that your situation has changed and resulted in a loss of health insurance coverage.

Who can I contact if I have questions about my waiver?

Contact Consolidated Health Plans, the Student Health Insurance Plan provider, by calling 877-657-5030.