Alyssa Lane
Students at Mississippi State University can purchase health insurance through the university's Student Injury and Sickness Insurance plan. MSU supports health insurance for all students on campus and requires international students to purchase a plan. The MSU student health insurance plan (SHIP) offers health coverage for students and their eligible dependents through Aetna. Students can also explore other options such as staying on their parent's insurance plan, purchasing a school-sponsored plan, or enrolling in a student health plan.
| Characteristics | Values |
|---|---|
| University Name | Mississippi State University |
| Student Insurance Plan Name | Student Medicover |
| Insurance Carrier | Aetna |
| Plan Administrator | Academic HealthPlans (AHP) |
| Plan Details | Global care basic, Global care plus, Prime 500, Prime 100, Elite, Supreme |
| Coverage | Vaccines, prescription drugs, pediatric dental and vision care, pre-existing conditions |
| Cost | Starting at $2.36 per day |
| Waiver | Allowed for students with alternative insurance plans |
| Enrollment Period | Spring enrollment: December 2, 2024 - March 15, 2025 |
| Student Categories | Medical, veterinary, and international students |
| Parent's Insurance | Allowed until the age of 26 |
| School-Sponsored Plan | May not cover off-campus services or part-time students |
Explore related products
What You'll Learn
MSU student health insurance plan (SHIP)
Mississippi State University (MSU) supports health insurance for all students on campus and requires international students to purchase an insurance plan. MSU recommends that students who do not have appropriate coverage enrol in a health insurance plan. The MSU student health insurance plan (SHIP) offers health coverage for students and their eligible dependents through Aetna.
If you are a medical student (College of Osteopathic Medicine, College of Human Medicine, or College of Veterinary Medicine) or international student, you are enrolled automatically in the SHIP plan. If you are a student that does not fall into one of these groups, you are eligible to voluntarily enrol in the SHIP plan. Through the health plan, you have access to quality health care through hospitals, physicians, and affiliated health care professionals in the Aetna provider network. Graduate Assistants (GA) are automatically enrolled in the GA Health Insurance plan.
Students automatically enrolled in the MSU SHIP plan will have an account created with Academic HealthPlans (AHP) to apply to waive coverage and/or enrol eligible dependents. Students who wish to voluntarily enrol in the MSU SHIP plan will also enrol with AHP. Coverage details can be found with Aetna. If you are taking one or more credits for the enrolment period and are in one of these student categories, you are eligible to participate in the plan.
Eligible students include international, medical, and veterinary students who are automatically enrolled in the SHIP plan and charged on their MSU student account. A limited number of eligible international students who can demonstrate another form of US-based health insurance coverage that meets the applicable waiver criteria may apply for a waiver. Students must submit a waiver request to AHP each semester. A previously approved waiver does not guarantee future waiver approval.
Airline Travel Insurance: Medical Coverage Included?
You may want to see also
Explore related products
Student Medicover health insurance
Mississippi State University (MSU) supports health insurance for all students on campus and requires international students to purchase an insurance plan. MSU recommends that students who do not have appropriate coverage enrol in a health insurance plan. The MSU student health insurance plan (SHIP) offers health coverage for students and their eligible dependents through Aetna. Medical, veterinary and some international students can waive out of the SHIP plan through the waiver process. Students must submit a waiver request each semester, and a previously approved waiver does not guarantee future approval.
Students who are not automatically enrolled in the SHIP plan are eligible to voluntarily enrol. Graduate Assistants (GA) are automatically enrolled in the GA Health Insurance plan. Students can also purchase an individual and family health plan, which is a type of health insurance coverage that offers a range of benefits depending on the actual plan selected.
Students can also stay on their parent's insurance plan if they are full-time students. Since 2010, children have been allowed to stay on their parent's insurance plan until the age of 26, whether or not they are enrolled in school. However, if a student on their parent's insurance plan moves out of state, their coverage levels may not be as robust as they would be in their home state.
Medical Insurance Premiums: Can I Deduct My Wife's?
You may want to see also
Explore related products
Staying on a parent's plan
If you are a full-time student, you may be eligible to remain on your parent's insurance plan. This is a convenient option as your parents will handle the billing, and you will be covered all year, no matter where you go. However, if you attend college out of state, your coverage levels may not be as comprehensive as they would be in your home state. Additionally, your parent's insurance could be more expensive than other coverage options.
According to the Affordable Care Act (ACA), insurance plans must offer dependent coverage for children up to the age of 26, whether or not they are enrolled in school. However, certain states may have additional rules determining dependency eligibility, so it is important to check with the Mississippi State Department of Insurance or your parents' insurance carrier. While the ACA mandates that you can stay on your parent's plan until you reach the age of 26, that plan may not offer the coverage you need, especially if you are studying in a different state from your parents.
If you are a Mississippi resident attending a Mississippi school, your current coverage will likely remain valid while you are in school. However, if you are a resident of another state studying in Mississippi, your current insurance plan may not provide the same level of coverage. In this case, you may need to explore other options, such as a Mississippi Marketplace plan or a school plan.
Mississippi State University (MSU) only requires health insurance coverage for international students but does offer a Student Health Insurance Plan (SHIP) for students who want to enrol. If you are considering enrolling in the SHIP, it is important to note that it typically takes 7-10 working days for MSU to verify the waiver, and you will need to purchase alternative insurance plans online if you wish to waive the school insurance plan.
Florida Blue Medicaid: Understanding Your Coverage Options
You may want to see also
Explore related products
School-sponsored plans
Mississippi State University (MSU) offers health insurance for all students on campus and requires international students to purchase an insurance plan. MSU recommends that students who do not have appropriate coverage enrol in the MSU student health insurance plan (SHIP). This plan is offered in partnership with Aetna, and students enrolled in the College of Osteopathic Medicine, College of Human Medicine, or College of Veterinary Medicine are automatically enrolled in the SHIP plan. Graduate Assistants are also automatically enrolled in the GA Health Insurance plan.
Students who are not automatically enrolled are eligible to voluntarily enrol in the SHIP plan. Students who wish to do so must enrol with Academic HealthPlans (AHP), and they will have an account created with AHP to apply to waive coverage and/or enrol eligible dependents. The SHIP plan provides access to quality healthcare through hospitals, physicians, and affiliated healthcare professionals in the Aetna provider network.
The SHIP plan covers prescription drugs if enrolled in the Prime 500/Prime100/Elite/Supreme plan, but only if purchased from in-network pharmacies. The plan does not provide benefits for drugs purchased at out-of-network pharmacy stores. The 2024-2025 policy year plans also cover all pediatric dental and vision care except the Basic plan, as well as $200 vision coverage for the Supreme, Elite, and Prime 100 plans. The 2024-2025 policy year Supreme, Elite, Prime 100, and Prime 500 plans cover preventive care services rendered in in-network facilities, including most college-required vaccinations. These plans have no pre-existing conditions waiting period or exclusion.
Students who do not wish to enrol in the SHIP plan can submit a waiver request to AHP each semester. A limited number of eligible international students who can demonstrate another form of US-based health insurance coverage that meets the applicable waiver criteria may apply for a waiver. It generally takes 7-10 working days for MSU to verify the waiver, and after approval, the school will refund the insurance fee to the student's account.
Western Dental Insurance: What Medical Insurance Does Western Dental Accept?
You may want to see also
Explore related products
Mississippi State University health insurance requirements
Mississippi State University (MSU) requires international students to have health insurance and offers a Student Health Insurance Plan (SHIP) for students who want to enrol. The SHIP plan is offered through Aetna, with Academic HealthPlans (AHP) as the plan administrator. Medical, veterinary, and some international students can waive out of the SHIP plan if they have other US-based coverage that meets the waiver criteria. Students must submit a waiver request each semester, and approval is not guaranteed.
MSU supports health insurance for all students on campus and recommends that students without appropriate coverage enrol in a plan. The university provides information about its SHIP option, including coverage details, on its website. Students can also purchase an individual insurance plan or remain on their parent's plan, although out-of-state students should ensure their coverage extends to Mississippi.
Students at MSU can enrol in the Student Medicover Plan, which covers prescription drugs if purchased from in-network pharmacies, as well as dental and vision coverage for those over 18. The plan also covers HPV vaccines and most college-required vaccinations.
For students seeking low-cost options, the Affordable Care Act (ACA) requires insurance plans to offer dependent coverage for children up to age 26, and federal law allows children to stay on their parents' plans until age 26, regardless of their enrolment status. Additionally, students can explore low-cost or free coverage through the Health Insurance Marketplace or their state's Medicaid and Children's Health Insurance Program (CHIP).
Understanding Catastrophic Medical Insurance: What You Need to Know
You may want to see also
Frequently asked questions
Mississippi State University (MSU) offers the Student Health Insurance Plan (SHIP) through Aetna. Students enrolled in the College of Osteopathic Medicine, College of Human Medicine, or College of Veterinary Medicine are automatically enrolled in the SHIP plan. International students are also enrolled automatically but a limited number of them can apply for a waiver if they can demonstrate another form of US-based health insurance. All other students are eligible to voluntarily enroll in the SHIP plan.
The SHIP plan provides students with access to quality health care through hospitals, physicians, and affiliated health care professionals in the Aetna provider network. The plan covers preventive care services, prescription drugs, and pediatric dental and vision care.
Yes, Mississippi State students can also get medical insurance by purchasing the Student Medicover Plan. Students can also stay on their parent's insurance plan until the age of 26, regardless of whether they are enrolled in school or not.
The cost of medical insurance for Mississippi State students depends on the plan they choose. The SHIP plan is likely to have a premium cost, which is the annual cost to have insurance paid monthly. Student Medicover plans start at $2.36 per day.
