Student Health Insurance Plan (SHIP)

Are you covered?

 The Aetna Waiver Website is now open! All domestic students are required to visit the Aetna website to apply to waive or enroll in the insurance plan for the 2017-18 academic year. Click here to begin the process. 


Students who fail to complete the application to waive or enroll in the Student Health Insurance Plan (SHIP) will automatically be enrolled in and billed for ASC's annual SHIP (details of the cost below). This charge will be reflected on the student account.

The U.S. health care landscape is undergoing some dramatic changes; thus, the Affordable Care Act and the subsequent insurance changes have led Agnes Scott to update the options it provides for student health insurance. The college has worked hard to ensure affordable and comprehensive health insurance options for its students.

For the 2017-18 academic year, all Agnes Scott students will continue to have the option of purchasing health insurance coverage from the college as well as have the option of obtaining coverage from an outside source, provided it meets the college's minimum requirements. Health insurance is mandatory for all Agnes Scott college students!


Agnes Scott's domestic students have three health insurance options:

1. Purchase health insurance from the college-sponsored plan.
Health insurance is provided for students through Aetna Insurance Company. The total cost for the contract year (8/15/2017 – 8/14/2018) is $3,200. The cost is divided into fall and spring/summer premium payments; $1,368 and $1,832, respectively. This is a very competitive rate for a quality, comprehensive plan ($267/month). To review the 2017-18 Plan Documents and Benefits, click here.

2. Add yourself to a parent/guardian, spouse or employer sponsored plan.
Provided the plan meets the college’s minimum requirements, you have the option of continuing or obtaining health insurance coverage through a comparable sponsored plan. If you obtain coverage through a parent/guardian, spouse or employer plan and it meets the minimum requirements, you will not be charged for health insurance as part of your cost of attendance.

3. Purchase individual coverage in the marketplace.
Depending on your income, you may be eligible for coverage under the Affordable Care Act. Insurance obtained from outside providers must meet the college’s minimum coverage requirements and it must be in force prior to the hard waiver deadline. You are encouraged to go to to explore your coverage options. If you obtain outside coverage through the Affordable Care Act, you will not be charged for health insurance as part of your cost of attendance.

If applying to waive the SHIP, the following criteria must be met under the current insurance plan:

  • Provide health coverage for the entire 2017-18 academic school year.
  • Provide benefits in the Metropolitan Atlanta area.
  • Licensed insurer and able to do business in the United States.
  • Provide inpatient and outpatient care (to include office visits and behavioral health care). Coverage for emergency only care does not satisfy this requirement (e.g. out-of-state Medicare is not acceptable).
  • Provide wellness visit benefits with no cost sharing
  • Cover treatment related to suicide or attempted suicide.
  • Provide major medical coverage at a minimum of 70% of the preferred allowance, with no maximum benefit.
  • Cover pre-existing conditions, without limits.
  • Individual annual deductible cannot exceed $2,500, or the plan has an HAS (Health Savings Account) which applies funds toward meeting an individual annual deductible of $2,500 or more.
  • Cover inpatient and outpatient mental health treatment as well as treatment for substance abuse (alcohol and drug abuse).
  • Provide prescription drug coverage at a minimum of 70% of the preferred allowance, with no maximum benefit.
  • Total out-of-pocket expenses cannot exceed $6,350 (U.S.) per policy year (the total sum of any deductible and coinsurance in-network)

If applying to waive, please secure the following information on your current insurance policy. Most of the requested information is located on you insurance card and Benefits Summary page located in your plan handbook.

  • Current Company/Employer
  • Insurance Plan Name
  • Insurance Policy Identification Number
  • Insurance Policy Group Number
  • Insurance Company Phone Number
  • Insurance Policyholder Name
  • Insurance Policy Individual Annual Deductible and Maximum Out of Pocket Limit

Upon completion of the hard waiver process, students will receive an email stating the information has been received for review. A follow up email will be provided advising if the application to waive was approved or declined. If declined, the insurance charges will automatically be applied to the student account. If approved, students will not be charged for the health insurance plan. Students that elect to enroll in the SHIP will receive an email confirmation of their enrollment and their student account will be charged.

The SHIP is an annual contract. Once enrolled, students are contractually obligated to pay for the insurance plan for the entire school year (includes summer months).*

If you have further questions not addressed by the college’s website, please contact us at or 404.471.7100.

*Students that withdraw or graduate fall semester are not obligated to continue the plan for spring semester.