MSU student health insurance waiver

MSU medical, veterinary and international students (including those international students enrolled in a fully online program) are enrolled automatically in the MSU Student Health Insurance Plan. If you can demonstrate that you have other coverage meeting the waiver criteria, you may apply for a waiver.
Note: International students will need to provide a copy of their insurance policy when applying for a waiver.

The charge for MSU's plan will be added automatically to your tuition bill. If your wavier application is accepted, the insurance charge will be removed from your tuition bill for the period requested. If you do not apply to waive coverage by the deadline, the insurance charge will remain on your tuition bill and you will automatically be enrolled in the insurance plan for fall or spring semester.

Apply for a waiver under your StuInfo account.

Waiver Criteria

To waive the MSU's coverage plan, your coverage plan must meet the following criteria (varies by student type):

International Student Waiver Criteria

  • Covers a minimum of $500,000 per condition without time limitation.
  • Has a policy year deductible of $500 or less per individual.
  • Covers inpatient and outpatient medical services (including labs and x-rays).
  • Covers inpatient and outpatient mental health services.
  • Covers prescriptions up to a minimum of $500,000.
  • Has a maximum out of pocket limit of $2000 per individual and $4000 per family.
  • Provides coverage worldwide.
  • Has $50,000 or more provision for medical evacuation to your home country.
  • Has $25,000 or more provision for repatriation (removal of remains after death) to your home country.
  • Has coverage for HIV infection, including AIDS, AIDS-related complex, and a positive HIV test.
  • Provides coverage for the waiver period requested.

Medical Student Waiver Criteria  (Human Medicine/Osteopathic Medicine/Vet Medicine)

  • Covers a minimum of $500,000 per condition.
  • Covers inpatient and outpatient coverage per condition.
  • Covers inpatient and outpatient coverage for mental and/or nervous disorders.
  • Provides coverage worldwide.
  • Has coverage for HIV infection, including AIDS, AIDS-related complex, and a positive HIV test.
  • Provides coverage for the waiver period requested.

Waiver Periods and Deadlines:

  • Fall/Annual: July 3 – September 30
  • Spring I: October 12 – February 15
  • Spring II: October 12 – February 15
  • Spring III: March 14 – June 30

You can only waive coverage for Spring III if you are a new student. For all other enrollment periods, if you do not complete a waiver prior to the deadline, you will have to wait until the next period to waive coverage.

Contact MSU Human Resources with questions at 800-353-4434 or SolutionsCenter@hr.msu.edu.