[2022 Latest] Insurance Waiver Guide for CMU

[2022 Latest] CMU Student Insurance Waiver Guide 

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“ Simply submit your waiver with us by 8/29/2022

save up to $1,100+ a year from your insurance cost! ”

1.What is an insurance waiver?

The university requires all international students to enroll in medical insurance while studying abroad in the United States. On your CMU tuition bill, you will see that Carnegie Mellon University has automatically enrolled you in the university’s Student Health Insurance Plan. 

However, international students can enroll in a surprisingly more affordable plan designed specifically for them. CMU’s insurance plan costs up to $2,263 a year. Alternatively, health coverage for international students can be as low as $1,153 a year.

An insurance waiver is an application to switch your plan that better fits your needs. Simply enroll in an insurance plan that meets the school’s waiver requirements and submit an insurance waiver on the school’s website.

每一年,弗吉尼亚理工学院暨州立大学 (Virginia Tech)会自动为学生注册一笔最高达到 $3,173/年 的学校保险费用,并包含在学年的学费当中。可是,高昂的费用背后,却没有更优质的赔付比例,也没有弗吉尼亚理工学院暨州立大学 (VT)的专属售后客服,在遇上紧急问题时,找不到可以寻求帮助的途径。

2.Why are alternative health insurance plans more affordable?

2.Why are alternative health insurance plans more affordable?

The insurance costs are calculated based on the risk factors, demographics factors are essential to the health insurance cost. University health plans are usually more expensive because the plans serve a broader range of the population, including international and domestic students.

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3.How to pick a health insurance plan?

A good insurance plan protects you from minor illnesses to serious injuries and diseases. When you’re looking for a plan, consider these factors:

  • The Cost

Some plans are much more cost-effective than others. But the cost is the only factor you need to take into consideration. A plan with limited coverage can lead to catastrophic financial loss.

  • Insurance benefits

Read the insurance policies carefully. A good insurance plan should have a low deductible, high coinsurance, low copays, and a low out-of-pocket maximum.

  • Provider network

The Provider network is a group of care providers partnering with the insurance company to provide you with pre-negotiated rates. A powerful network allows you to find trustworthy doctors and hospitals wherever you need them.

4.Student Medicover insurance plan vs. CMU Insurance plan

Waive university-sponsored insurance with Student Medicover

SAVE up to $1,100!

Waive university-sponsored insurance with Student Medicover

SAVE up to $1,100!

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Student Medicover provides the most cost-effective and comprehensive insurance plans for F1/J1 international students in the U.S.

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Reliable Coverage:

Student Medicover’s coverage features high coinsurances, low deductibles, low copays, and low out-of-pocket maximums. We offer substantial coverage for doctor visits, hospital stays emergency care, prescription drugs, and many other medical expenses found in the policy brochures. Covid-19 treatment and vaccination are also covered(refer to the policy certificate for detailed benefits).

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Find a trusted doctor anywhere in the country:

With Student Medicover, you can access accredited care providers in the nation’s leading network provided by UnitedHealthcare. You will enjoy lower costs for in-network medical services with discounted prices.

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Visit Student Health Center:

Student Medicover offers in-network benefits for treatments received by any student health center in the country, including CMU Student Health Center.

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24/7 Customer Service:
If you have any questions, you can always ask a customer service representative through email, phone, WhatsApp, Facebook, and online support center.

5.How to enroll and waive?


Enroll in an insurance plan

Visit smcovered.com, scroll down to "Enrollment"

- Choose your Birthday

- School: Choose Carnegie Mellon University

- Student Category: F1 International

- Coverage Period: 08/01/2022-07/31/2023




Download your ID Card

- Go to UHCSR.com

- Choose "CREATE MY ACCOUNT" at the bottom


- Enter your Name, Birthday, and your Registered account email to create account

- Choose "Certify No Insurance" when the system asks if you have other insurance

- Log in to "My Account", click "ID Card" so you can download and print it



Download Confirmation letter

- Go to smcovered.com to log in, and click My Enrollment to download the Confirmation Letter.


-Click PDF, and download confirmation letter


-Find Review Certificates/Flyers in the Enrollment.


-Download the certificate of the insurance plan you bought.



Waive school insurance

1. Log in to CMU SIO:
Click on Campus Life in the upper menu bar, select Health insurance


2. Click to select "Student Waiver Process"-Highmark


3. Select the second item



4. Upload and fill in the information letter as shown in the picture


5.Agreement, sign and submit.



The waiver will be reviewed and approved in 5-7 business days. Once approved, pending insurance charge will be removed from your student account balance. Any paid school insurance premium will be refunded to your student account if any.



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