Get Your Emory University Health Plan
In Minutes
Waiver 100% Approved by Emory University.
Maximum Waiver Saving: $4,135/year
$0 Deductible Options
90% Coinsurance Options
Waiver Deadline: Aug 14
School Health Center: Direct Bill
Why Emory Trusts Student Medicover
Trusted by over 1,500 Universities and High Schools.
Low OOPM
Stay protected with out-of-pocket maximums from $5,000.
Direct Payment
Many medical providers bill us directly. Only pay your portion after your visit.
24/7 Assistance
Questions about finding a doctor or filing a claim? Our team is here to help anytime.
In-network Doctors Near Emory
Disclaimer: The above data is based on the number of hospitals within 20 miles of the school’s main campus, data taken from May 2023, for reference only, specific information can be viewed by clicking the button below to enter the address yourself.
Affordable plan that covers everything
No confusing tiers. No exclusions for hereditary conditions. Just complete coverage.
What is covered?
Accidents & injuries
Illnesses & diseases
Emergency care
Surgery & hospitalization
Diagnostic tests
Prescription medications*
and more……
What is covered?
FREE
24×7 Customer Service
FREE
Online Doctor Visit
FREE
Claim Assistance
FREE
Mental Health Service
FREE
Vision Care*
and more……
*Benefit availability may vary by plan. Please refer to the Policy Certificate for full benefit details.
Insureds From
Serving Students At
Over
Common FAQs
Does Emory University offer health insurance to its students?
Yes. Emory University requires all students, including international students, to have health insurance. Those who do not have comparable coverage are automatically enrolled in the Emory University Student Health Insurance Plan (EUSHIP) and billed for the premium. Student Medicover offers alternative plans for international students that often cost less while still meeting Emory’s waiver criteria.
Where is Emory University located?
Emory University’s main campus is in Druid Hills, an Atlanta neighborhood about four miles (six kilometers) east of downtown. The campus spans several hundred acres and is adjacent to the Centers for Disease Control and Prevention. Emory also operates hospitals and research facilities throughout the Atlanta area.
When is the Emory waiver deadline?
For the 2026–27 academic year, waiver applications open on June 8 and must be submitted by August 14. Late admits should complete the waiver as soon as they gain access to the waiver site. Emory’s FAQ notes that the waiver site typically opens in June and closes at 5:00 pm on August 1 each year, and every student must complete the process annually to avoid charges.
What happens if I don’t waive Emory’s insurance by the deadline?
If your waiver is not submitted and accepted by the deadline, you will be charged for EUSHIP and must remain on the plan for the entire semester. Appeals for late waivers are considered case-by-case, but approval is not guaranteed. Be sure to complete the waiver each year to avoid unwanted charges.
Which hospitals near Emory are in network with Student Medicover?
Student Medicover’s UnitedHealthcare Choice Plus network includes major Atlanta hospitals such as:
- Emory University Hospital – an 853-bed acute-care hospital located on Emory’s campus in northeast Atlanta.
- Emory University Hospital Midtown – a 511-bed acute-care teaching hospital in the SoNo district of Atlanta.
- Grady Memorial Hospital – a 953-bed acute-care teaching hospital located in downtown Atlanta and the region’s only Level I trauma center.
Because Student Medicover partners with UnitedHealthcare, you can access these hospitals and many other providers nationwide.
What are the main differences between Student Medicover and Emory’s health plan?
EUSHIP provides comprehensive coverage through Aetna Student Health but is relatively expensive. Student Medicover offers lower-cost plans tailored for international students. It partners with UnitedHealthcare’s Choice Plus network, allowing access to a wide array of hospitals and physicians nationwide and including telemedicine, mental-health counseling and vision benefits. Emory’s plan restricts students to Aetna’s network and requires referrals for some services, whereas Student Medicover offers greater flexibility and may save students thousands of dollars each year.
Can I enroll my spouse or children with Student Medicover?
Yes. Student Medicover offers dependent coverage for spouses and children. You can add dependents during the enrollment process, and premiums will vary based on the number of dependents and coverage level.
Can I continue seeing my current doctor?
Student Medicover plans use UnitedHealthcare’s Choice Plus network. If your current physician is part of this network, you can continue to see them at in-network rates. If not, you can search for an in-network provider in Atlanta using the UnitedHealthcare directory. Visiting out-of-network providers may result in higher costs or non-covered services.
How does Emory’s health plan compare with Student Medicover?
EUSHIP, administered by Aetna, provides comprehensive medical and mental-health benefits but can be expensive. Student Medicover offers plans tailored to international students with lower premiums and comparable benefits. Student Medicover uses UnitedHealthcare’s Choice Plus network, giving students nationwide access to hospitals and physicians, and includes telemedicine, mental-health counseling and vision benefits.
Do I need to waive Emory’s health insurance if I want Student Medicover?
Yes. Emory automatically enrolls students in EUSHIP. To use another plan, you must submit an insurance waiver through your OPUS student portal. Without an approved waiver, you will remain enrolled in EUSHIP and be charged the full premium.
How do I waive Emory’s health insurance?
To waive EUSHIP, complete the two-step process described in Emory’s insurance FAQ. First, log into your OPUS account and access the student insurance requirement waiver site, which opens in June and closes at 5:00 pm on August 1. Select the academic year, read the waiver conditions and agree. Second, upload a photocopy of your insurance ID card to the student health portal. Your plan must meet Emory’s waiver criteria, including prescription drug coverage, 100% coverage for preventive care in Atlanta, coverage for inpatient and outpatient medical and mental-health care, and at least 75 % of usual and customary charges. You can re-enter the OPUS waiver site before the deadline to correct mistakes.
Am I eligible for Student Medicover at Emory?
Student Medicover plans are available to international students (F-1 and J-1) and others who need affordable coverage. If your plan meets Emory’s waiver criteria—prescription drug coverage, 100% preventive care, comprehensive inpatient and outpatient medical and mental-health care in Atlanta, at least 75 % of usual and customary charges, and a U.S. claims administrator—you can use it to waive EUSHIP.
How do I know if my current insurance qualifies to waive Emory’s plan?
Emory’s waiver criteria require that your insurance provide prescription drug coverage, 100 % coverage for preventive care (including vaccinations) in Atlanta, inpatient and outpatient medical and mental-health care, and coverage of at least 75 % of usual and customary charges. The plan must be issued by a U.S.-based claims administrator and remain active for the full academic year. HMO or cost-sharing plans generally do not qualify. Student Medicover plans meet these requirements, making them suitable for waiving EUSHIP.
How do I get my Student Medicover insurance ID card?
After enrolling in a Student Medicover plan, you will receive an email with instructions to create your online member account. Once registered, you can download your digital ID card or request a physical card. Present your card when visiting a doctor or pharmacy. If you need help accessing your card, contact Student Medicover support.
How do I file a claim with Student Medicover?
To file a claim, log into your Student Medicover account and submit the claim form along with itemized receipts and any explanation of benefits from your provider. Claims are processed by UnitedHealthcare, and reimbursements are usually issued within a few weeks. You can also call Student Medicover’s claims team for assistance.
How can I contact Student Medicover for help?
For assistance with enrollment, waivers or claims, contact Student Medicover’s customer service at [email protected] or call 1-812-360-2313. You can also chat live or consult the help center on the Student Medicover website.
How to Waive
Get Insurance Card
After enrolling in your plan, download your insurance card by visiting uhcsr.com.
Filling Waiver Form
Filling the waiver form according to the insurance card and submit it on school’s official website.
Verify Your Waiver
It generally takes 7-10 working days for school to verify the waiver. After the waiver is approved, the school will refund your insurance fee to your account.
