Student Health Insurance Plan

Undergraduate domestic students are not required to have health insurance. If you want to enroll in the SHIP, please follow the instructions for Voluntary Student on the SHIP website: Clemson University My AHP Care

If you are an undergraduate international student, please view the drop-down box below.

Health insurance is  REQUIRED for the following students who are considered  Mandatory Students:

1. Graduate students enrolled in nine or more credit hours in on-campus programs at all campus locations

2. Graduate students classified as graduate assistants (GAs) at all campus locations (GAs receive a per-semester student insurance subsidy when enrolled in the SHIP).

3. All F-1, F-2, J-1 and J-2 international students

If you fall into one of these categories, you are charged for the SHIP on your bill in iROAR.  Please follow the steps found in the "Activate Enrollment" drop-down box below. You may  submit a waiver  if you have alternate insurance coverage that meets University requirements.

If you do  not fall into one of these categories and are  not charged for the SHIP on your bill in iROAR, you can still  enroll in the SHIP as a  Voluntary Student .

Please note: 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 or be added your account.

If you are considered to be a Mandatory Student (students required to have health insurance and are charged for the SHIP on their bill in iROAR) and you do not submit a waiver, you must complete the steps below to activate your enrollment. This can only be done during the open enrollment period. 

1. Register for classes and wait 48 hours.

2. When it’s been 48 hours since you registered for classes, visit Clemson University My AHP Care.

3. Click on the link for "Mandatory Students" and follow the steps.

You are either an international student or a graduate student meeting certain requirements to be considered mandatory.

You are mandatory if you are a graduate student enrolled in nine or more credit hours in an on-campus degree program, have a graduate assistantship or you are an international student.

You are considered a voluntary student because you do not meet the above requirements.

Yes, you can purchase the student health insurance as voluntary at a higher premium. You have the option to setup a payment arrangement with AHP if you are unable to pay the full premium at the time of enrollment.

We have open enrollment periods before the start of each semester. You will find the open enrollment dates on the Clemson My AHP Care website.

You can waive out of the student insurance with a qualifying health insurance plan.

Please note that submitting a waiver does not mean the charge is removed. The waiver must be approved or verified before an exemption is placed on your tuition bill.

The student insurance charge will remain on your tuition bill, but they will place a student insurance exemption credit on your tuition bill to offset the charge.

Yes, you can waive the insurance, but with a graduate assistantship, you are provided a subsidy to offset the cost of student insurance. If you choose to waive and the waiver is approved, you will receive a student insurance exemption and the insurance subsidy will be removed.

For students starting in the summer, the Graduate School does not provide subsidies. You will have to pay the full insurance charge, but once fall semester starts, you will begin to see the subsidy as long as you have the GA position.

Yes, you can enroll in the student insurance as a qualifying life event. Be sure that if you are voluntary, you click on QLE voluntary, and if you are mandatory, you click on QLE mandatory. These will be sent to the student insurance coordinator to confirm your student status. Charge is not applied to your tuition bill; you will be expected to pay at time of enrollment.

No. If you choose to waive out of the student insurance initially, you will lose the subsidy and will have to pay out of pocket at the time of enrollment. It is best to enroll during the open enrollment period so that you keep your subsidy.

Yes, you can contact Academic Health Plan at 855-856-2384 or reach out to the student insurance coordinator and let them know you would like to enroll in insurance and remove the waiver on file.

If you missed the open enrollment period, you must wait until the next open enrollment to purchase the student insurance. The only way to purchase student insurance during the semester is through an approved qualifying life event.

A qualifying life event is a major life change that affects your health insurance needs. For more information on what meets the requirements, please go to the AHP website.

Once you have activated your insurance coverage, you will be able to enroll your spouse and/or dependents in the student insurance. Please note your tuition bill will only reflect your charge for the student insurance. You will be expected to pay out of pocket for your spouse and/or dependents.

The premium paid by the student is the same for spouse or dependents. GA subsidies do not apply to spouse or dependents.

Once you miss the deadline for the waiver, there is no extension. You may contact the student health insurance coordinator with any questions about this.

Please note: The only way an exception can be made is if your charge was placed on the deadline or after.

You can begin to use your insurance starting August 1 for the Fall semester, January 1 for the Spring semester and May 1 for the Summer semester.

Your insurance card is mailed to the address on file with AHP. If you are an international student, the insurance card will possibly come to Redfern, but you can submit a ticket to change your address.

You can also download the My Health Toolkit app for BCBS and use the member ID to setup an account.

You can contact the student insurance coordinator or login to the AHP portal to retrieve your member ID.

You can submit a ticket on the AHP Submit a Request webpage.

You will be enrolled through GBG plan, and this will be emailed directly to you. There is no action required on your part.

Waivers are not allowed under this plan. If you have questions about this, please reach out to the International Office.