University-sponsored Student Health Insurance Plan through AIG
Providing a more affordable option
All graduate students enrolled in nine or more credit hours, graduate assistants, and international students are required by the University to have health insurance and must either:
Purchase the University-sponsored Student Health Insurance Plan through AIG
- Waive out by providing documentation of enrollment in a comparable health insurance plan that meets the waive out requirements detailed below.
Waive out by submitting the online waiver certifying they have and will maintain adequate and acceptable insurance coverage during the current academic year.
How do I waive out?
To "waive out" or to "complete the waiver process" means to turn down the University-sponsored Student Health Insurance Plan through AIG. If you are a graduate or international student and have comparable health insurance coverage, you must complete the waiver process online during the appropriate waive out period so the health insurance fee will be removed from your tuition bill.
You must waive out for both the fall and spring semesters, or you will automatically be enrolled in the Student Health Insurance Plan and will be billed by the Bursar's Office.
Students who waive out online are required to enter both the VIPID and the USCID.
· To find the USCID and VIPID, click on the Self Service Carolina (SSC) link from https://my.sc.edu
· Log into the SC Authentication Service page
· Click on STUDENT
· Click on REGISTRATION
· Click on any of the links under Registration, and the USCID (ex: A12345678) will display on the upper-right hand corner of the screen.
Requirements to Waive Out
For your comparable health insurance plan to meet the waiver criteria, your health insurance plan must feature all of the following:
2014-15 Comparable Plan Coverage Criteria
- Coverage must be effective on or before January 6 (Spring term) or August 15 (Fall 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
- 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
- Coverage amount of $100,000 per policy year per illness/accident/injury
- Coverage amount of US $500,000 or greater aggregate per lifetime
- No pre-existing condition limitation
- A combined benefit of US $100,000 for medical evacuation and repatriation of remains (for international students)
- Yearly deductible not to exceed $5,000/individual and $10,000/family per policy year.
Additional Requirements for International Students
The University-sponsored Student Health Insurance Plan through AIG meets all additional insurance requirements for international students and dependents. In addition to the coverage requirements listed for graduate students, international students must have insurance that meets the following requirements:
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:
- 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.
Graduate Assistant Subsidy
The USC Graduate School has announced that graduate assistants may receive a subsidy of $275 during the 2014-15 academic year to help them pay for the University-sponsored Student Health Insurance Plan through AIG. As a result of this subsidy, graduate assistants will pay only the reduced portion of the semester premium.
Cost of the University-sponsored Student Health Insurance Plan through AIG
premium for an individual in 2014-2015
|Student Health Insurance Plan premium||With graduate assistant subsidy|
|Fall 2014 semester||$717||$592|
|Spring/Summer 2015 semesters||$985||$835|
Uninterrupted Prescription Coverage
To allow uninterrupted prescription coverage during breaks throughout the year (winter break, summer break, etc.), students with the AIG student health insurance plan can click here to renew their coverage. Once in the site, enter your email address and password, then click the "renewal" button for the upcoming semester.