Enrolling & Waiving

Who’s Automatically Enrolled?

All international students and Health Sciences Campus students are automatically enrolled, even if they are taking less than 6 units. The University of Southern California requires that all students have comprehensive health insurance. If you are already covered under a comprehensive health insurance policy, you may elect to waive coverage. See below for further information.

Important Note:

FIRST YEAR STUDENTS starting classes in the summer have a different procedure than described below. Please contact Sylvia Carabante (carabant@usc.edu | (323) 442 – 5989) to find out how you should enroll or waive in the summer health insurance plan.

How to Enroll

Even though you are enrolled automatically in the plan, you can still go online and positively enroll after July 1, 2014. Actively enrolling online early ensures you will receive your insurance I.D. card and be recognized as eligible on day one of the coverage period. Fall 2014 coverage begins on August 18, 2014. Students need to be registered for their classes for 5-7 business days before beginning the enrollment process.

  • Visit www.aetnastudenthealth.com/usc and click on “Enroll/Request to Waive: Student Health Insurance Plan”
  • You will be taken to the USCNet Login page. Login using the username provided by the university.
  • You will be taken back to an Aetna page. Select “on campus” for the program type if you are a USC student taking classes on the Health Science Campus. Fill in your ID number and date of birth and click “Get Started”. Follow the instructions to complete your online enrollment.
  • You may print out a copy of the completed enrollment request confirmation for your records. Note: The Enrollment Form is not proof of coverage, and should not be used as such. If you need medical care before receiving a permanent I.D. card from Aetna Student Health, you should use a temporary paper I.D. card available from the Student Health Insurance Office; you can also download a temporary I.D. card from the Aetna Navigator website on www.aetnastudenthealth.com/usc
  • The cost of coverage will be added to your student account with the University.

What is a waiver?

A waiver is a request to opt-out of the USC Student Health Insurance Plan. If you are covered by a comprehensive insurance plan meeting the University’s requirements (detailed below), you may submit a waiver request through our online process. All waiver requests are manually reviewed by our health insurance department and a decision will be made within 30 days of receipt and sent to you at your USC email address. 

What is the waiver criteria?

In order to waive the USC Student Health Insurance Plan, your insurance plan must:

  • Provide continuous year-round coverage while you are a student at the University of Southern California.

  • Your insurance plan must meet Affordable Care Act (ACA) criteria. Only plans in compliance with ACA will be accepted.

  • Cover preventive care services at 100%.

  • Have an annual combined deductible and out-of-pocket expense of $6,350 or less.

  • Your health plan must have in-network providers (hospital and doctors) in the Los Angeles area.

  • Emergency/urgent care only is not accepted for waiver.

Upon request, you must be able to provide a copy of:

  • Verifiable proof of coverage with student’s name (ID card, insurance policy or letter from insurance carrier.)

  • Plan document(s) in English, with currency amounts converted to U.S. dollars, and an insurance company contact phone number.
in the U.S. is mandatory and all claims must be processed in the U.S. and paid directly to U.S. providers.

Some of the reasons you may not be granted a waiver include:


  • Most international plans are not accepted.

  • Out of state plans with regional coverage only and Medicaid insurance is not accepted.

  • If your current policy is not compliant with the Affordable Care Act.
  • How often do I need to request a waiver?

    You must request a waiver once a year in the fall semester.  Waivers submitted in the fall are good for the entire academic year.
    If you missed the fall deadline, or if you are a new, incoming student, you may request a waiver for spring/summer beginning in early December. Waivers submitted in the spring are only good for the spring/summer term. Don’t forget to submit a new waiver request in the fall.

    What are the waiver request deadlines?

    Students should submit a waiver request by the following dates:
    Fall 2014: September 12, 2014
    Spring 2015: January 30, 2015

    How do I request a waiver?

    Step 1: Register for classes.

    You must be actively registered for classes for the 2014-2015 school year before starting the online enrollment/request for waiver process. If you are not registered for classes, you will not be able to request a waiver using the online system.

    Step 2: Wait 5 to 7 business days after registering for classes.

    Once you register for your classes, please wait 5 to 7 business days before attempting to go online and request a waiver.

    Step 3: Read over Waiver Criteria above to make sure this is the right option for you.

    Step 4: Print and Complete the Waiver Worksheet

    We want you to use the following worksheet as a reference tool before you begin your online request to ensure you have all the information required for a correct waiver request. (You may need to contact your current insurance company to obtain some of the information on the worksheet).
    The Waiver Worksheet

    Step 5: Complete your online request for a waiver

    All requests for a waiver must be completed online by the student. Make sure you have all of the required information before beginning – you are not able to log out and come back to the request at a later time.

    • Visit www.aetnastudenthealth.com/usc and click on “Enroll/Request to Waive: Student Health Insurance Plan”
    • You will be taken to the USCNet Login page. Login using the username provided by the university.
    • You will be taken back to an Aetna page. Select “on campus” for the program type if you are a USC student taking classes on the Health Science Campus. Fill in your ID number and date of birth and click “Get Started”. Follow the instructions to complete your online waiver process.
    • Complete the waiver request before the deadline.

    We may contact you at any time to request adequate proof of coverage. If your other health insurance coverage ends—even in the middle of the semester—you may be eligible to purchase coverage through the USC Student Health Insurance Plan. Contact the Health Insurance department on your campus within 30 days of losing your coverage to find out if you are eligible to enroll.

    More Information

    If you have any questions or need additional information, please call the insurance coordinator at the HSC campus at (323) 442-5989.