Carnegie Mellon University

International Student Health Insurance

  • Waiver Start Date: July 1, 2026
  • Waiver Deadline: August 22, 2026

  • For 2026-2027 acadmic year, DIANins offer all Blue plans(80-90-100) in your campus
  • Blue 100 plan require a little bit high premium though, it is really high-end health insurance. However, the Out-of Pocket Maxium is comparatively higher than school insurance plan, therefore you need to compare it with school plan before enrollment.
  • Need both of benefits and competitive price? if then, Blue 90 is well balanced plan.

    • 2026-08-01 ~ 2027-07-31

    School Plan Blue 80 Blue 90 Blue 100
    Plan Type ACA Comliant Comprehensive Comprehensive Comprehensive
    Maximum Unlimited Unlimited Unlimited Unlimited
    Co-insurance (Network) 100% 80% 90% 100%
    Co-insurance (Out-of Network) 80% 70% 70% 80%
    Deductible in Student Health Center $0 $0 $0 $0
    Deductible in Network $100 $500 $100 $0
    Copay in SHC $0 $0 $0 $0
    Prescription Drug Direc-billing Direct-billing Direct-billing Direct-billing
    Preventive care (Network/SHC) 100% 100% 100% 100%
    Out of Pocket Max (Network) $5,000 $7,000 $6,000 $5,000
    Medical Network Blue Care Aetna Aetna Aetna
    Fall - Spring/Summer (17-24 years old) $3,093 $995 $1,591 $1,942
    Fall - Spring/Summer (25-29 years old) $3,093 $1,390 $1,963 $2,785
    Fall - Spring/Summer (30-45 years old) $3,093 $2,390 $3,292 $5,567
    Detail Detail Detail Detail
    Individual Buy Buy Buy
    Group  (10% saving for 3 or more students)
    ACA Compliant Plan: 10%     		Group Group Group

    📋 What should Carnegie Mellon University students know before enrolling?

    📅 Recommended Coverage Period: 08/01/2026 – 07/31/2027
    ⏰ Waiver Opens: July 1, 2026
    ⏰ Waiver Deadline: August 22, 2026

    🔎 2026–2027 Blue Plans Are Now Open

    DIANins offers Blue 80, Blue 90, and Blue 100 plans for Carnegie Mellon University students. Blue 80 is a cost-effective option chosen by many CMU students; Blue 90 offers a more balanced choice; Blue 100 is more suitable for students who prefer higher coverage.

    🎓 Waiver Submission Recommendation

    CMU students need to either enroll in the school SHIP or submit a SHIP waiver during Open Enrollment. We recommend enrolling in a DIANins plan first and saving your insurance documents. Then use your own Andrew ID and password to log in to the CMU system, go to SIO > Campus Life > Health Insurance, and enter the Insurance Portal to complete the waiver.

    ✅ 2026–2027 Plan Selection Guide

    1
    		 Blue 80: Suitable for students who want to manage their budget and prefer a cost-effective option. According to the DIANins page, Blue 80 accounted for nearly 50% of total CMU enrollments last year and is a popular plan.
    2
    		 Blue 90: Suitable for students who want a balance between coverage and price. If you value benefits while also wanting a competitive price, Blue 90 is worth comparing first.
    3
    		 Blue 100: Suitable for students who want a higher reimbursement level and higher-end coverage. Before enrolling, we recommend comparing the school SHIP’s out-of-pocket maximum, network, premium, and other details.
    4
    		 Group of 3 Discount: A group purchase of 3 students can receive 10% savings. If you have classmates enrolling together, you may consider purchasing as a group.

    ✅ What should you do after enrolling?

    1
    		 After enrolling, download and save the files from your insurance confirmation email, including your ID Card, Confirmation Letter, Policy documents, and other materials. You will need this information when submitting your CMU waiver.
    2
    		 The waiver application must be submitted by the student. Please log in to the CMU system using your Andrew ID and password, go to SIO > Campus Life > Health Insurance, click Insurance Portal, select the waive option, and fill out the required information.
    3
    		 When submitting the waiver, upload the front and back of your current medical insurance ID Card or your electronic insurance card as required by the school, and click CONFIRM on the final page to complete the submission.

    🔗 CMU Waiver Portal

    Please log in with the student’s own Andrew ID and password to complete the waiver:
    https://s3.andrew.cmu.edu/sio/mpa/

    💰 Group of 3 Discount

    Before July 31, a group of 3 can participate in the Early Bird Group of 3 promotion. If group members are from different countries, the referral commission can increase to 2×–3×.

    👥 Starting in 2026–2027, Group of 3 is more flexible: members can have different nationalities, schools, plans, and coverage periods. If the school / plan / coverage period differs, you can upload the required CSV file.

    📌 Important Waiver Reminder

    SHIP waivers do not automatically carry over from the previous academic year. Students must submit a new waiver during the corresponding Open Enrollment period each academic year. If no action is taken, or if the waiver is not completed during Open Enrollment, students may be automatically enrolled in the CMU medical SHIP.

    ❓ Frequently Asked Questions

    Q1: Where can CMU new students get entrance vaccines and a TB Test? ▼

    Students can visit CMU University Health Services or Global Reach partner pharmacies, such as CVS, Walgreens, Rite Aid, and other common U.S. pharmacy chains. Show your insurance card to use direct billing service. Eligible preventive services are covered 100%.

    Q2: What happens to the school insurance fee after the waiver is approved? ▼

    According to CMU guidance, if the waiver is approved, the SHIP placeholder charge will be refunded to the student account. Students are responsible for medical costs incurred while using alternative insurance.

    Q3: Can I still submit the waiver if I miss the Waiver Deadline? ▼

    According to CMU guidance, late waiver applications are usually accepted within two weeks after the student’s Open Enrollment deadline. If approved, a $50 late fee may apply. Submissions after a longer delay may require a formal appeal and approval is not guaranteed.

    Q4: If my waiver is rejected, can I get a refund? ▼

    If you have not submitted any claims and can provide the school’s waiver rejection email or related proof, please send your cancellation request to dian@dianins.com. We will assist with the refund process.

    INSURANCE TERMS

    Common Insurance Terms

    Understanding these terms can help you compare benefits more accurately and estimate healthcare costs.

    Deductible

    The amount you must pay yourself before insurance starts reimbursing at a higher percentage.

    Copay

    A fixed amount you pay each time you use a covered medical service, such as a doctor visit or prescription pickup.

    Coinsurance

    The percentage of eligible expenses you still pay after meeting the deductible. For example, 20% coinsurance means you pay 20% of eligible costs.

    Out-of-pocket maximum

    The maximum amount you may need to pay for eligible in-network medical services during the insurance period.

    In-network

    Doctors, hospitals, pharmacies, or clinics that have agreements with the insurance network. In-network care usually costs less.

    Premium

    The amount you pay to purchase and keep your insurance plan active.