Health Insurance

Student Health Insurance Waiver Deadline
Summer (New Students Enrolled in Summer Semester):
April 20, 2018 to June4, 2018

Summer II (New Students with a Program Start of Summer II Term)
June 27, 2018 through July 20, 2018

Mandatory On-Campus Arrival
(New Students Enrolled in Fall Semester)
August 1, 2018 through August 24, 2018

Fall 2018 (New and Returning Students in Fall Semester)

August 1, 2018 through September 21, 2018

All international students entering the U.S. on a F-1 or J-1 student visa are required to be covered under the Texas A&M University System Student Health Insurance Plan (SSHIP) or have equivalent insurance coverage as described below. This includes persons who are attending intensive English language programs. For the purpose of student health insurance, a student who leaves the U.S. and maintains immigration status with an intent to return to the U.S. is considered to be a student who has entered the U.S. and must be covered by SSHIP.  The plan is automatically charged to F-1 and J-1 international student’s tuition and fee statement.

International Student Services (ISS) does not determine the cost of this insurance. Cost information can be obtained at  This plan is reviewed annually by System Benefits Administration. The cost is established based on plan design, plan participation and claim experience. This plan is available for students at all A&M System universities. The System Student Health Insurance Regulation is located at

Classes for fall begin prior to the start of the Health Insurance plan year, 09/01. Therefore new students starting in the fall semester are charged a mandatory first time on-campus arrival insurance fee to provide insurance coverage for the month of August.

NO LONGER REGISTERED/OUTSIDE THE US:  International Student Health Insurance Fee is a mandatory fee that does not automatically drop off your fee statement if you drop your course(s) or if you are outside of the US.   To request removal of this fee, the student must email to request the waiver due to non-enrollment or residing outside of the US. It is the student’s responsibility to resolve this by the 20th class day.   The fee will remain after the 20th class day. 

Change in Health Insurance Enrollment after Approved Waiver Granted:  If approved for a waiver and there is a change in your health insurance enrollment status at any point in the semester, such that you no longer meet one of waiver requirements, immediately contact ISS by email at
About Student Health Insurance Plan including Emergency Services

Texas A&M Student Health Insurance resources for all TAMU students may be found on The Texas A&M University System student insurance website The Texas A&M University System student insurance website.

Academic HealthPlans (AHP) -  Administers the student plans, including the Grad Plan and SSHIP and coordinates the waiver process for F1 and J1 students.

BlueCross and BlueShield of Texas (BCBSTx) - Underwrites the Student, Graduate and Employee health insurance plans which includes managing claims and providing other health and wellness benefits.

Quick links for policy brochure/benefits, premium rates, enrollment forms and enrollment period, waiver system, student dental option may be found on AHP website:

Texas A&M University – College Station
Texas A&M University – Galveston 
Blue Access for Members (BAM): Your Online Resource:  immediate online access to health and wellness information including accessing insurance id card and in-network providers.
AHP useful tips video for using your student insurance
TAMU Student Health Insurance Plan includes emergency services and benefits to help you and your family with expenses that you may not consider until faced with an emergency. Visit Academic Emergency Services to view benefits and services:

BAM Login information
Group Number: 117557
Member ID: Student Specific UIN#
The Texas A&M University System has established five circumstances in which an F1 or J1 international student can request a waiver of SSHIP and provide alternative health insurance coverage that is comparable to SSHIP.

  1. Sponsored Plan (US Government, Foreign Government, Embassy (will be PPACA compliant). If the health plan does not include medical evacuation and repatriation, it must be purchased providing coverage at equal limits to the SHIP.
  2. US employer-provided group health plan that is compliant with the ACA. If the health plan does not include medical evacuation and repatriation, a rider must be purchased providing coverage at equal limits to the SHIP.
  3. Student is enrolled in only distance learning programs. If they are outside the US, and have the SHIP fee on their account, they will need to call the ISS department to get their status (location) updated and the fee removed if they are in the US, they will need to go forward with the waiver process.
  4. Is involved in intercollegiate athletics and coverage for all medical insurance is provided through a policy as part of the current sports accident medical policy approved by System Risk Management.
  5. Student’s alternate insurance plan must cover the coverage period.
      *Only F1 and J1 Visa status students need to apply for a waiver*
Health Insurance Requirements: 
  1. Policy provides the Essential Minimum Benefits required by the PPACA with no annual limits.
  2. Policy annual deductible of no more than U.S. $500 (except for employer plans).
  3. Repatriation expenses in the amount of no less than $25,000.
  4. Expenses associated with the medical evacuation of the insured to the insured’s home country of no less than $50,000.
  5. Policy contains no exclusions for pre-existing conditions. Policy covers 100% of Preventive Care as defined by the PPACA
Refer below document for more information.
 waiver guidelines
Waiver requests are reviewed by AHP and not ISS.
You can submit your waiver request at the AHP Waiver Request System
Please see the top of this webpage for deadlines.
Waiver of SSHIP for Graduate Student Employees may be found here Graduate Assistantships.
What documentation is required to request a waiver?
  1. A copy of your insurance policy with schedule of benefits and exclusion of benefits.
  2. Enrollment Proof (front and back of insurance id card along with start and end date of policy)
Once your waiver is submitted and your proof documentation is received by AHP, you will be notified via email within 5-7 business days of the status of your waiver request. It may take up to 10-14 business days once the waiver has been approved to process a refund through your tuition and fees. If your tuition bill is due before your waiver application is processed, pay the fee and if approved, the refund will be processed at a later date.
  • Current Graduate Student Employees - If you are a current graduate student employee and you are currently enrolled in the graduate student health plan with effective coverage no later than September 1, 2018 and your employment date will continue through Fall 2018, you will be automatically waived of SSHIP.  You are not required to apply for a waiver of SSHIP.
  • Current Graduate Student Employees in a Leave Without Pay Status - If you are a current graduate student employee placed in a leave without pay status, and will be returning to work, contact your hiring department to verify that your benefits are reinstated with an effective date of coverage no later than September 1, 2018. You are not required to apply for a waiver of SSHIP.
  • Graduate Student Employees with effective date of coverage after 09/01 – If your benefits begin after September 1, 2018, you will be autobilled for SSHIP in Fall 2018. If it has been determined that you are due a refund, AHP will process these in the form of a check. You may update your address online through Academic HealthPlans. Refunds will be issued after the policy term of SSHIP after the beginning of the Spring 2019 semester
  • Texas A&M Student Health Insurance resources for all TAMU students, including a Decision Tool for Student Insurance Link may be found on The Texas A&M University System student insurance website
  1. International students not on a F1 or J1 status are not required to show proof of health insurance to Texas A&M University.
  2. Voluntary International -non F1/J1 visa students may enroll in SSHIP through AHP on line enrollment portal
  3. Please be aware that medical costs without insurance in the U.S. can be extremely expensive.
  • F-2 dependents are STRONGLY encouraged to maintain health insurance by enrolling in SSHIP.
  •  U.S. Government requires J2 dependents to maintain health insurance for the duration of their DS-2019, even if they are not physically present in the U.S.
  •  Proof of J2 dependent coverage must be submitted to upon arrival. ISS may also request additional documentation of proof to verify ongoing coverage.
  •  Visit Academic Health Plans (AHP) website to enroll dependents in SSHIP.
  •  ISS recommends that anyone coming to visit you in the U.S. should obtain health insurance specifically for their stay. 

Academic HealthPlans, Inc.
3500 William D. Tate Ave.,
Suite 200 Grapevine,
TX 76051

877-624-7911 [Toll Free Customer Service Number]
817-479-2101 [Fax Number]

TAMU requires those on an F-1 or J-1 visa to be covered under the System Student Health Insurance Plan (SSHIP) or have equivalent insurance coverage. If you have coverage through August 31, 2018, and you are offered coverage through an employer, ask the employer if you can waive and enroll in employer coverage under a qualifying event after your current coverage expires. If you enroll in employer provide coverage while on CPT you must apply for a waiver of SSHIP through Academic Health Plan’s (AHP) online waiver system by the set deadline

If you were granted a waiver based on Graduate Student Employee plan and this plan terminates, you are required to apply for a waiver using your current employer provided health insurance.  ISS is notified of those who terminate from GSE plan and you will be charged for SSHIP if you do not have an approved waiver through AHP.  Health Insurance requirements and the waiver process may be found on the ISS website here

Qualifying Events
Eligible students who have a change in status and lose coverage under another health care plan are eligible to enroll for coverage under the policy, provided, within 31 days of the qualifying event, such students send to Academic HealthPlans:
  • A copy of the Certificate of Creditable Coverage, or a letter of ineligibility (lost coverage), from their previous health insurer
  • A “Qualifying Events” form, which they can download from
  • A change in status due to a qualifying event includes but is not limited to:
  • Birth or adoption of a child
  • Loss of a spouse, whether by death, divorce, annulment or legal separation
The premium will be prorated based on what it would have been at the beginning of the semester or quarter, whichever applies. However, the effective date will be the later of the following: the date the student enrolls for coverage under the Policy and pays the required premium, or the day after the prior coverage ends. To apply for coverage that is needed because of a qualifying event, you may download the “Qualifying Events Form” from
Continuation of Coverage
All Insureds who have graduated or are otherwise ineligible for coverage under this policy, and have been continuously insured under the policy offered by the policyholder for three (3) months, are eligible to continue their existing coverage for a period of not more than six (6) months under the school’s policy in effect at the time of such continuation.

Continution of enrollment must submitted with the applicable premium to Academic HealthPlans within 30 days after the expiration date of your student coverage. For more information on continuation of coverage, please contact Academic HealthPlans at (877) 624-7911.