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Insurance and Billing

A student health insurance plan is available to eligible students, legal spouses and dependents of students at competitive premiums. Read the information below and visit the CHP Student Health website for information on plan benefits, enrollment and waiver procedures.


Plan Information


The Student Insurance Office is located in rooms G-22 and G-23 downstairs in Redfern Health Center. To contact the Student Insurance Office, call 864-656-3561 or email Redfern@clemson.edu.


  • Open Enrollment for annual coverage ends August 31.
  • Open Enrollment/Submit Request for Waiver for fall coverage ends August 31.
  • Open Enrollment/Submit Request for Waiver for spring/summer coverage ends January 31.

During Open Enrollment, students NOT charged for the Student Health Insurance Plan with tuition and fees may Enroll as Voluntary and pay the premium directly to CHP Student Health with Visa or MasterCard. Monthly bank drafts are an option (see how to complete enrollment below).


Students may enroll and pay for coverage for legal spouse and dependents through Hard Waiver or Voluntary enrollment. Open Enrollment periods apply.


*See Students Required to Have Health Insurance below

Health insurance is required for the following students who are considered Mandatory or Hard Waiver Enrollees:

  1. Graduate students enrolled in nine credit hours or more on the main campus in Clemson
  2. Graduate students classified as graduate assistants at all campus locations
  3. International students (graduate and undergraduate)

Mandatory or Hard Waiver Enrollees will be charged for the Clemson University Student Health Insurance Plan on the University tuition and fees bill.


If you are a graduate or international student, please check your bill in iROAR at the beginning of the semester and after any changes to your schedule. Changes to your schedule can cause the insurance charge to drop off your account.


Students who HAVE been charged for the Student Health Insurance Plan with tuition and fees and have other insurance that meets University Requirements may submit a request for waiver (see how to submit a waiver below). Deadline to submit a request for waiver is Aug. 31.


*Students NOT charged for the Student Health Insurance Plan with tuition and fees may enroll as Voluntary during Open Enrollment and pay the premium directly to CHP Student Health. See how to complete enrollment below.


LEARN MORE:

Graduate and international students who are charged for the SHIP on their University bill: you are considered a Mandatory Enrollee or Hard Waiver Enrollee. To accept/complete enrollment or submit a waiver request for the Clemson University Student Health Insurance Plan, you must set up a new account or sign in to your current account on the Student Insurance website. You must then follow the instructions under Enroll/Waive to complete enrollment (click Hard Waiver Enrollment or Enroll–Voluntary) or submit a waiver request (click Waive (show proof of other insurance)). The information submitted for waiver will be verified before the waiver is approved. 


Deadline to enroll or submit a request for waiver is Aug. 31.


LEARN MORE:


Students who are NOT charged for the SHIP on their University bill but who want to enroll in the SHIP: you are considered a Voluntary Enrollee. To enroll in the SHIP, visit the CHP Open Enrollment Web page during open enrollment. Click on Enroll–Voluntary under Enroll/Waive to complete enrollment.  


Deadline to enroll is Aug. 31.



LEARN MORE: Voluntary Enrollment

Health care is incredibly expensive. While Student Health Services provides economical primary care, students sometimes require hospitalization, surgery or other specialty care. The resulting medical bills can be overwhelming for students on a budge. Having and maintaining adequate health insurance will allow students to receive needed health care. All individuals, including college students, need health insurance. Additionally, the Affordable Care Act legislation requires everyone to have health insurance that meets certain standards of care to avoid the tax penalty. The Clemson University Student Health Plan meets that requirement.

The Patient Protection and Affordable Care Act, commonly referred to as the Affordable Care Act (ACA), affects health insurance and federal income taxes by requiring everyone have health insurance that meets certain standards of care. The Affordable Care Act requires insurance plans to cover preventive services and to provide coverage for pre-existing conditions. The Clemson University Student Health Plan meets all ACA requirements. View a List of Preventive Services Covered by the ACA


Clemson University requires all international students have health insurance that meets ACA and University requirements. The charge for the Student Health Plan will be included with tuition and fees in fall and spring semesters and in the summer for new international students starting their program of study in the summer. International students who have alternate insurance that meets ACA and University requirements may submit a request for waiver. If the alternate insurance meets requirements and is accepted for waiver, the insurance charge will be removed from the student account.

Student Health Plan (SHP) rates can be found on the student insurance website in the Plan Brochure. The effective dates of coverage for fall semester are August 1 – December 31. The effective dates for spring/summer are January 1 – July 31. Spouse premium (cost) and Child(ren) premium is in addition to the student premium.There is a per child premium up to three children.


Clemson University pays $963 of the SHP charge for graduate assistants for the Student Insurance in the form of the Graduate Assistant Student Insurance subsidy.

Open Enrollment is approximately 30 days before and after classes start. Open Enrollment for fall semester ends August 31, and Open Enrollment for spring/summer ends January 31.

Enrollment in the Clemson University Student Health Plan (SHP) is either Mandatory or Voluntary. See sections below for Mandatory and Voluntary criteria.


Mandatory Enrollment

Categories of students for which health insurance is required by Clemson University as a condition of enrollment are listed below. Students who are mandated by Clemson University to have health insurance will be charged for the Student Insurance with tuition and fees. Students in the following categories are required to have health insurance as a condition of enrollment at Clemson University:

  • Graduate students enrolled in nine or more credit hours on the main University campus

  • Graduate Assistants at any location

  • International students (undergraduate and graduate)

Student Insurance Subsidy for Graduate Assistants: Clemson University pays $963 of the billed insurance charge in fall and spring semesters for the Student Insurance for eligible graduate assistants in the form of the Student Insurance Subsidy. Students who are GAs should check their student account in iROAR to make sure the subsidy has been applied. Call the Student Health Services Insurance Office or email redfern@clemson.edu with questions or concerns.


Mandatory enrollees pay Clemson University for the health insurance but are encouraged to set up a new account on the Student Insurance website. Once on the website, click on Account Login on the right side of the page. On the next page, click Set up new account.


Once you have your account set up, you will login with your Clemson University email address and the password you create for this account. Login to the account, and from the Student Options tab on your account page, you can print/request an insurance card, have your insurance card emailed to you, complete required Accident Forms or view EOBs (Explanation of Benefits). Enrollment and payment for health insurance for spouse and/or children must be done on the student insurance website. The rate for the spouse and per child (up to 3 children) is the same as the student.


Voluntary Enrollment

Not all graduate students are Mandatory for health insurance. Check tuition and fees in iROAR to determine if the charge for Student Insurance has been included. Graduate students who are not in a mandatory category and undergraduate students cannot have the charge for Student Insurance included with tuition and fees. Students who do not have the charge for Student Insurance included with tuition and fees and want the Student Insurance must enroll as Voluntary and pay the student insurance company online for the insurance. Voluntary enrollment is only allowed during Open Enrollment which is approximately 30 days before and after the beginning of fall and spring semesters. Undergraduates must be enrolled in a minimum of six credit hours to be eligible to purchase the Student Insurance. Graduate students must be enrolled in a minimum of one credit hour.


Voluntary enrollees login to the Student Insurance website to enroll and pay for the insurance for themselves and family.

Waivers can only be processed online. To submit a request for waiver, go to the Student Insurance website and click Waive. After submitting the initial waiver request, you should receive an email from the insurance company informing you that the waiver request has been received. Waivers will be processed in real time. You may receive a second email requesting more information in order to verify your coverage if your waiver can not be processed. You will need the following information to complete the waiver:

  1. Name and address of your insurance company

  2. Policyholder's name and identification

  3. Policy number

  4. Your insurance company's customer service telephone number (for verification of coverage)

  5. For international plans, your documentation will need to show start and end dates of coverage. Also, many international plans must be scanned and emailed to the insurance company for verification of benefits. You will get an email from the insurance company requesting this information, or you may check status of the waiver on the Student Insurance website (login to your account and check under the Communications tab). Failure to submit the requested documentation by the deadline will result in denial of waiver request.

  • You will need to look for the email informing you if your request for waiver has been accepted or denied.

  • If your waiver is accepted, the student insurance company will send the approved waiver to Student Health Services. We will then communicate that to Student Financial Services, and the student insurance charge will be removed.

  • If you get an email stating that the waiver has been denied and you feel this is in error, please contact the Student Insurance Office at 864-656-3568.

Please note that it may take a few days from the time you receive notification that your waiver has been approved for the charge to be removed from your student account.


It is the student's responsibility to follow up with any requests from the company in order to get the waiver approved. Failure to follow up with requested information could result in denial of waiver.


If you feel your waiver has been denied in error, please contact the Student Insurance Office at 864-656-3568 or email the Student Insurance Office Manager at redfern@clemson.edu.

It may take a few days from the time you get the email notifying you that your waiver request has been Approved until the charge is actually removed from your student account. If the charge has not been removed after five days of receiving the notification that your waiver has been Approved, contact the Student Insurance Office. It is the student's responsibility to check the student account to make sure the fee for the Student Insurance Plan has been waived.

Students who are mandated to have health insurance as a condition of enrollment at Clemson University will be charged for the Student Insurance with tuition and fees. Students who are covered by alternate insurance must submit an online request for waiver. This is called a "hard waiver requirement." The request for waiver will be reviewed by an outside company to make sure that the health insurance submitted complies with Affordable Care Act and Clemson University health insurance requirements. Once approved, notification will be sent to the student and to the University to have the charge for the Student Insurance removed from the student's iROAR account.


Alternate health insurance must meet the following minimum requirements in order to qualify for a waiver:


  1. Coverage must be effective on or before January 1 (spring) or August 1 (fall) and extend through the semester including breaks and holidays.
  2. Plan must be fully compliant with the Affordable Care Act and provide coverage for
    • 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;
    • radiology and laboratory services;
    • Unlimited Aggregate Maximum Benefit per Accident and Sickness;
    • deductible no more than $5,000 USD per policy year;
    • preventive and wellness services and chronic disease management;
    • no pre-existing condition waiting period;
    • pediatric services, including oral and vision care;
    • Medical Evacuation and Repatriation $50,000 USD combined benefit (for international students);
    • Fulbright Scholars.

To submit a request for waiver, click Waive on the Student Insurance website.


Online waiver must be submitted by August 31 for fall enrollment and January 31 for spring enrollment. Waivers will not be accepted after these dates.

Graduate students who are not in a Mandatory category and domestic undergraduate students cannot have the charge for Student Insurance included with tuition and fees. Students who do not have the charge for Student Insurance included with tuition and fees and want the Student Insurance must enroll as Voluntary on the Student Insurance website and pay the student insurance company online for the insurance. Voluntary enrollment is only allowed during Open Enrollment which is approximately 30 days before and after the beginning of fall and spring semesters. Undergraduates must be enrolled in a minimum of six credit hours to be eligible to purchase the Student Insurance. Graduate students must be enrolled in a minimum of one credit hour.

The Student Insurance is a major medical health insurance plan that provides health insurance benefits anywhere in the world. The Student Insurance pays a higher percentage of costs at Redfern Health Center (RHC):

  • Eligible lab and radiology is paid 100% at RHC, 80% of Allowable Costs outside RHC (after deductible and co-pays) at in-network facilities and 70% of Reasonable and Customary charges if student uses an out-of-network provider.

  • The Student Insurance pays 100% of preventive services such as immunizations, physical exams (including women's annual and pap smear) and screenings when services are provided at RHC. Preventive immunizations are covered 100% at any location.

  • The Student Insurance provides preventive and basic dental and preventive vision benefits as well.

If your program is located off campus, you would still be able to use Student Insurance. Since some of you would not be using Redfern Health Center (RHC), you would look on the website to find in-network providers in your area. Deductibles and co-pays would apply to visits. You would be able to use your insurance card as a pharmacy card for prescriptions, subject to deductibles and co-pays. Referrals would not be required for treatment if you are more than 30 miles from RHC. Students located in Greenville, Charleston or other locations may use RHC or find local providers from the Find Doctor/Hospital link on the Student Insurance website. Deductibles and copays would apply to these visits.

University policy requires all students registered for six or more credit hours (three hours during each summer session) to pay the University health fee


See What the Health Fee Covers

Students enrolled in the Student Health Plan may enroll any eligible dependents during Open Enrollment periods. Additional premium payment required.


The only exception to enrolling outside the Open Enrollment period would be a Qualifying Event (with appropriate documentation) such as

  • adding a newborn (must be enrolled within 31 days of birth);

  • adding a newly adopted child (must be enrolled within 31 days of formal adoption);

  • marriage (must enroll within 31 days of marriage date);

  • international dependent arriving after Open Enrollment must enroll within 31 days of arrival in the U.S. (must have copy of passport showing date of arrival in U.S.);

  • within the first 31 days of losing coverage under other Creditable Coverage. 


Learn More About Qualifying Events


Enrollment of student and/or family members requires payment of premium due for that enrollment period.


Premiums are not pro-rated when enrollment is done outside of Open Enrollment.

Mandatory Enrollees

Once the charge for student insurance appears in your tuition and fees, go to the Student Insurance website. On the right side of the page, click Account Login. On the next page, choose Set up new account. After your account is set up, go back to the main page and click Account Login again and login with the email address and password that was set up for this account. Under the Student Options tab, you can print or request an insurance card be mailed. You may also choose to email the card to yourself.


Voluntary Enrollees

Once you have completed enrollment, logout and then go back to the Student Insurance website. Click Account Login on the right of the page. Login with the email address and password you used to enroll. Under the Student Options tab on your account page, you can print or request an insurance card be mailed. You may also choose to email the card to yourself.

Students and spouses covered by the Student Health Plan must use Redfern Health Center as their primary care facility. To use the insurance outside of Redfern, it must be

  • a referral by a Student Health Services provider to another doctor or facility;

  • medical emergency;

  • more than 30 miles from Redfern Health Center and requires immediate medical attention.

Deductibles and co-pays apply for any visits outside of Redfern Health Center.


If you have an emergency visit and are referred to another provider by the emergency room or urgent-care physician, please contact the Student Insurance Office for a referral or to see if follow-up care can be done at Redfern Health Center.

Spring enrollment in the Student Insurance includes summer coverage, January 1 – July 31.

The fall premium covers the fall semester only, August through December, a coverage period of five months. The spring premium includes the premium for summer so the student does not have any lapse in coverage and covers from January through July, a period of seven months. This is to ensure the student has year-round coverage.

No. If you pay for spring/summer coverage, you are covered until July 31 even if you graduate in May. Students covered by the Student Insurance may continue to use Student Health Services after graduation for the remainder of the coverage period. Students will have a $20 co-pay for office visits at Redfern Health Center after the graduation date. All other benefits remain the same.

  • Annual Maximum for illness and injury: Unlimited

  • In-Network Deductible: $750

  • Out-of-Network Deductible: $1,500

  • In-Network Out-of-Pocket Maximum: $6,350

  • Out-of-Network Out-of-Pocket Maximum: $15,000

Preventive services as specified by the Patient Protection and Affordable Care Act (PPACA) are covered at 100% of Reasonable and Customary charges, not subject to deductible, copayment or coinsurance. To view a list of covered preventive services, log onto healthcare.gov.

There are exclusions in the insurance plan. Not every medical condition is covered by the insurance. Please review the exclusions in the insurance plan so that you will be aware of non-covered services or benefits. To see the exclusions, go to the Student Insurance website and view the exclusions in the Plan Brochure, Plan Exclusions and Limitations.

Student Health Services (SHS) files claims to the Student Health Plan only. Students may request an itemized bill/receipt in the Pharmacy to self-file. The SHS Pharmacy can process prescriptions electronically for most private insurance plans. If you would like for the SHS Pharmacy to electronically file your prescription claims, please complete and submit via drop off, fax or mail the Pharmacy Prescription Card Information. Please note that the SHS Pharmacy cannot file electronic prescription claims for international plans unless the insurance information provides a "Bin Number" and a "Group Processing Number" for electronic prescription claims processing.

Payment for services not covered by the University health fee is expected at the time of service. Cash, personal check, Tiger Stripe, MasterCard, Visa and Discover are accepted. Students not paying the University health fee are charged for office visits. Outstanding balances may be paid online through the MyHealth-e web portal, and students may use the itemized receipt to self-file for medical services.


Student Health Services is working toward courtesy filing medical services as an out-of-network provider for many insurance plans.


Student Health Services accepts private insurance for pharmacy only at this time. If you would like to submit your pharmacy insurance information to the pharmacy now, fill out the Pharmacy Prescription Card Information Form and fax or drop it off at the pharmacy in Redfern Health Center. Unpaid balances will be transferred to the student’s University tuition and fees bill at the end of each semester.


Pay for Outstanding Redfern Charges (CU Marketplace)

University policy requires all students registered for six or more credit hours (three hours during each summer term) to pay the University health fee.


Learn More About the Health Fee

View Health and Wellness Information for International Students

International Student Insurance. (n.d). Overview of the US Healthcare System for International Students. Retrieved from URL