Enrollment and waiver periods for automatically enrolled students and Graduate Assistants.

Note: Spring III only applies if you do not have a preceding Spring I/Spring II enrollment. You may not waive Spring III period of coverage if you are enrolled in Spring I/Spring II.

If you are voluntary, you will have the ability to purchase the coverage periods noted above or enroll with a quarterly rate.

Please review the appropriate rates for your coverage category.

Automatically enrolled students SHOULD NOT create their own voluntary account in Academic HealthPlans (AHP). Automatically enrolled students are sent to AHP by MSU. When a student's enrollment is added to AHP, they will receive an email from AHP/Care26 system to indicate enrollment. By clicking "take me there," a student may create their account credentials or login to an existing account.

Voluntarily enrolled students will register their own account with Academic HealthPlans (AHP) or login to existing account

To access your AHP member portal, please visit: Care26 Student

Log in using your school credentials or follow the prompts to create an account if you are a voluntary student. For step-by-step assistance on how to navigate the portal, please refer to the Student User Guide.

Students enrolled in the Student Health Insurance Plan (SHIP) are automatically enrolled in Academic Emergency Services (AES). Additionally, international students who waive SHIP are also enrolled in AES.

For more information, please visit:

• AES Flyer
• AES Case Opening Guide

Academic HealthPlans (AHP) offers text notifications. If you wish to opt-in, login to your AHP account. In the upper left hand corner, click the three bars noted by "Dashboard." Select your name to review your profile and navigate down your screen to "Contact Information." Click the toggle by " Allow Text Messages" to opt-in. If you do not have a primary phone number on record, add a secondary phone number and click the checkbox by "Include Secondary Phone." Click submit to save your change.

For assistance with enrollment, waiver submissions, billing, member portal access, plan materials, and customer care please contact Academic HealthPlans (AHP) at 1 (855) 904-1740. To submit an online ticket, please go to Academic HealthPlans.

Additional AHP contact information/resources, please visit https://msu.myahpcare.com/contact. 

There can be a few reasons why you can't access the AHP system.

• You forgot your username and password. Please contact AHP regarding issues with username and password. MSU doesn't manage their website.
• Your information has not been processed by AHP yet. Student insurance gets eligibility files daily from MSU. These files must be vetted, edited, and uploaded to AHP. Then, AHP must complete their processing of the files before your information is available on the website. AHP must have your information on file in order to process either your waiver or enrollment. This process can take a week to be completed.
• You recently registered for classes and your information has not been processed yet.
• You already have completed the process in the previous semester.
• The enrollment and waiver deadlines have passed.
• Your eligibility changed based on your enrollment status.

The SHIP plan will continue to provide robust and affordable health and prescription insurance benefits with access to a nationwide provider and pharmacy network. In addition, the new plan will include the following benefit changes/enhancements:

• Students will be able to choose their Primary Care Physician (PCP)
• No referral needed for specialty care services
• CVS Caremark prescription coverage with over 25 no-cost drugs
• No visit maximums for physical, occupational or speech therapies
• Holistic support for behavioral health

2025-2026 Plan design and Brochures coming soon

*2024-2025 Plan design and Brochures can be found under "2024-2025 SHIP Plan Information" down below.

Aetna does not mail physical ID cards. To access a digital copy of your medical ID card, please follow the steps below:

• Visit Michigan State University student health insurance plan
• Click Get your ID Card
• Enter the requested information
• Download a copy of your card

You may also register for an account at Aetna Student Health Member Portal to access your ID card and other plan information at any time.

As required under the Affordable Care Act, pediatric dental check-up and vision eye exam services are essential health benefits. The Student Health Insurance plan provides coverage for these services for children up through age 19. Please review and use the following guides to navigate the pediatric benefits with your dental and vision providers.

• Aetna Pediatric Dental Benefits
• Aetna Pediatric Vision Benefits

The Student Health Insurance plan allows students the flexibility to seek medical attention with the provider of their choice without the need for a referral.

However, the best place to seek non-emergency medical assistance is at the Olin Health Center on campus. If the student’s health condition requires additional services, the staff at Olin Health Center can assist them in locating a local in-network provider to keep their out-of-pocket cost as low as possible Locate a provider through the Aetna website.

The Student Health Insurance Plan covers prescription medicines. 

If seeking services with a outside of Olin Health Center, please ensure to confirm with the provider directly that they are in net-work with Aetna. 

The student health insurance plan meets the requirements to be considered qualified health coverage. Please review the Qualified Health Coverage (QHC) webpage to understand the impact of providing a QHC letter to your auto insurance.

To request a QHC letter from Aetna, please contact them  at MSU_ASH@cvshealth.com and include the following information:

• Name
• Student ID Number
• Date of Birth

For questions related to claims processing, plan coverage detail, or distribution of ID cards, please contact Aetna Customer Service at 800-859-8452.

Aetna was the health insurance carrier for the MSU SHIP plan for the 2024-2025 plan year. Academic HealthPlans (AHP) provided enrollment and waiver services.

Additional resources: 

• Locate a provider through the Aetna website.
• Benefit Highlight Sheet
• Summary of Benefits & Coverage (SBC)
• Plan Document & Benefits Summary

The GA Health Insurance Plan will continue to provide robust and affordable health and prescription insurance benefits with access to a nationwide provider and pharmacy network. In addition, the new plan will include the following benefit changes/enhancements:

• Students will be able to choose their Primary Care Physician (PCP)
• No referral needed for specialty care services
• CVS Caremark prescription coverage with over 25 no-cost drugs
• No visit maximums for physical, occupational or speech therapies
• Holistic support for behavioral health

2025-2026 Plan design and Brochures coming soon

*2024-2025 Plan design and Brochures can be found under "2024-2025 GA Health Plan Information" down below.

Aetna does not mail physical ID cards. To access a digital copy of your medical ID card, please follow the steps below:

• Visit Michigan State University - GA's student health insurance plan
• Click Get your ID Card
• Enter the requested information
• Download a copy of your card

You may also register for an account at Your Member Website to access your ID card and other plan information at any time.

As required under the Affordable Care Act, pediatric dental check-up and vision eye exam services are essential health benefits. The Student Health Insurance plan provides coverage for these services for children up through age 19. Please review and use the following guides to navigate the pediatric benefits with your dental and vision providers.

• Aetna Pediatric Dental Benefits
• Aetna Pediatric Vision Benefits

The Graduate Assistant Health Plan allows students the flexibility to seek medical attention with the provider of their choice without the need for a referral.

However, the best place to seek non-emergency medical assistance is at the Olin Health Center on campus. If the student’s health condition requires additional services, the staff at Olin Health Center can assist them in locating a local in-network provider to keep their out-of-pocket cost as low as possible Locate a provider through the Aetna website.

The Graduate Assistant Health Insurance Plan covers prescription medicines. 

If seeking services with a outside of Olin Health Center, please ensure to confirm with the provider directly that they are in- network with Aetna. 

The GA health insurance plan meets the requirements to be considered qualified health coverage. Please review the Qualified Health Coverage (QHC) webpage to understand the impact of providing a QHC letter to your auto insurance.

To request a QHC letter from Aetna, please contact them  at MSU_ASH@cvshealth.comand include the following information:

• Name
• Student ID Number
• Date of Birth

For questions related to claims processing, plan coverage detail, or distribution of ID cards, please contact Aetna Customer Service at 800-859-8452.

Aetna was the health insurance carrier for the MSU SHIP plan for the 2024-2025 plan year. Academic HealthPlans (AHP) provided enrollment and waiver services.

Additional resources:

• New Carrier Flyer
• Plan Design & Benefits Summary
• Summary of Benefits & Coverage (SBC)