Emory University

International Student Health Insurance

  • 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) 80% 80% 90% 100%
    Co-insurance (Out-of Network) 60% 70% 70% 80%
    Deductible in Student Health Center $0 $0 $0 $0
    Deductible in Network $200 $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) $7,000 $7,000 $6,000 $5,000
    Medical Network AETNA Aetna Aetna Aetna
    Fall - Spring/Summer (17-24 years old) $5,592 $995 $1,591 $1,942
    Fall - Spring/Summer (25-29 years old) $5,592 $1,390 $1,963 $2,785
    Fall - Spring/Summer (30-45 years old) $5,592 $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 Emory University students know before enrolling?

    📅 Recommended Coverage Period: 08/01/2026 – 07/31/2027
    ⏰ Waiver Opens: June 8, 2026
    ⏰ Waiver Deadline: August 14, 2026
    🎁 Early Bird Deadline: July 31, 2026

    🔎 2026–2027 Blue Plans Are Now Open

    DIANins offers Blue 80, Blue 90, and Blue 100 plans for Emory University students. The 2026–2027 plans are now open, with lower premiums on select plans and upgraded benefits.

    🎓 Waiver Submission Reminder

    Emory’s 2026–2027 waiver application opens on June 8, 2026 and must be submitted by August 14, 2026. We recommend enrolling in a DIANins plan first, saving your insurance documents, and then submitting your waiver through OPUS.

    ✅ 2026–2027 Plan Updates

    1
    		 Lower premiums: Blue 80 is about 6% lower, Blue 90 is about 2% lower, and Blue 100 is about 17% lower. Blue 80 is a popular cost-effective choice among many Emory students; Blue 90 offers a more balanced option; Blue 100 is suitable for students who prefer higher coverage.
    2
    		 New benefit added: Starting in the 2026–2027 plan year, STD treatment is no longer excluded and is now included in coverage.
    3
    		 PPO network and pharmacy upgrade: The PPO network has been upgraded to Aetna Open Choice, the same network used by the Emory school insurance plan, helping improve eligibility verification at doctor visits. Pharmacy access is available through Global Reach Rx at CVS, Walgreens, and other nationwide pharmacy locations.
    4
    		 Dental Early Bird benefit: Enroll by July 31 to receive Careington 500 dental discount benefits. Coverage of 6 months or less receives 3 months of Careington; coverage of 7+ months receives 6 months of Careington; Blue 100 with 7+ months of coverage receives 12 months of Careington.

    ✅ What should you do after enrolling?

    1
    		 After enrolling, download and save the documents from your insurance confirmation email, including your ID Card, Confirmation Letter, Policy documents, and other files. You will need this information when submitting your Emory waiver.
    2
    		 Submit your waiver through Emory’s official OPUS system. Before submitting, prepare your Emory student information, insurance company name, policy/group number, coverage dates, and insurance company contact information.
    3
    		 After submitting your waiver, continue checking your Emory email and OPUS waiver status. Students are responsible for monitoring their email and waiver status, and missed deadlines are generally not granted exceptions.

    🔗 Emory Waiver Portal

    Once the waiver opens, submit your waiver through Emory’s official OPUS system:
    https://saprod.emory.edu/psp/saprod/?cmd=login&languageCd=ENG&

    💰 Group of 3 Referral Rewards

    Enroll as a group of 3 by July 31 to join 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 schools / plans / coverage periods differ, upload the required CSV file.

    📌 Referral Code Notes

    The group must include exactly 3 people. Groups of 4 or 5 do not qualify for this promotion. The Primary enrollee cannot use their own Referral Code and must use a friend’s code from within the group. 2× / 3× bonuses are processed manually. If missed, please email walter@dianins.com.

    ❓ Frequently Asked Questions

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

    Students can visit Emory Student 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: When is the best time to enroll? ▼

    We recommend enrolling by July 31, 2026 to receive the Early Bird Careington 500 dental benefit and participate in the Group of 3 referral rewards.

    Q3: Is Careington 500 provided by the insurance carrier? ▼

    No. Careington 500 is a special Early Bird benefit provided directly by DIANins, not by the insurance carrier. Careington 500 retails at $127 per year.

    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 process a full refund.

    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.