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Student Health Services

Waiving Out

If you have proof of insurance because you already have a policy or you're under your parents' plan, you can waive the university-sponsored Student Health Insurance Plan. 

Beginning fall 2018, USC-Columbia students will be required to have health insurance.

This requirement applies to: undergraduates taking six hours or more and paying the student health fee, graduate students taking six hours or more, graduate students with assistantships and all international students.


The Waiver Process

Complete the online waiver online process before the deadline to have the health insurance fee removed from your tuition. You'll need to have your proof of insurance ready.
The 2018-2019 waiver site is available:

Waivers are only accepted online and no waivers will be accepted after the deadline.

You must waive out each semester. If you don't waive out for a semester, you will automatically be enrolled in the student insurance plan and billed by the Bursar's Office. 

Who Can Waive Out

If you have a comparable health insurance plan that meets university requirements, you can waive out before the waiver deadline.

Otherwise you must purchase the Student Health Insurance Plan.


University Insurance Requirements

To waive out of the university-sponsored Student Health Insurance Plan, your health insurance coverage must:

  • Be effective as of August 1 for the fall term or January 1 for the spring term.
  • Extend through the semester you've waived out for, including breaks and holidays.
  • Allow you to receive services in South Carolina. 
  • Give you unlimited aggregate maximum benefit per policy year per covered person.
  • Not have a pre-existing condition limitation.
  • Have an out-of-pocket limit per policy year that does not exceed $6,350 per individual and $15,000 per family.

Required for all plans. 

  • Ambulatory Patient Services
  • Chronic Disease Management
  • Emergency Services
  • Hospitalization
  • Laboratory Services
  • Maternity and Newborn Care
  • Mental Health and Substance Use Disorder Treatments (including behavioral health treatment)
  • Prescription Drugs
  • Preventive and Wellness services (including dental and vision)
  • Rehabilitative and Habilitative Services and Devices

International Students
If you have your own insurance plan and want to waive out, your plan must meet the insurance requirements for all students plus have a minimum benefit of $50,000 for medical evacuation and $25,000 for repatriation of remains.

J-1 Exchange Students and J-2 Dependents
Your plan must also meet one or more of the following criteria:

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

International Coverage Requirements
Coverage must allow the insured student to receive services in South Carolina, cover the student while in school in the U.S. or on USC-related educational travel and have coverage for the following services:

  • Out-of-pocket limit per policy year not to exceed $6,350/individual and $12,700/family
  • Unlimited maximum benefit per policy year per covered person
  • No pre-existing condition limitation
  • Ambulatory patient services
  • Emergency services
  • Hospitalization
  • Maternity and newborn care
  • Mental health and substance use disorders (including behavioral health treatment): No mental health exclusions
  • Prescription drugs
  • Rehabilitative and habilitative services and devices
  • Laboratory services
  • Chronic disease management