Student Health Insurance
Academic Health Plans
Mandatory Student Insurance and Waiver
Per OP 77.19 All students must obtain and maintain health insurance coverage that is Affordable Care Act (ACA) compliant while enrolled at the Texas Tech University Health Sciences Center (TTUHSC), except those enrolled in a 100% distance program. Link to the list of programs.
Per OP 77.03, TTUHSC also requires that all non-immigrant F-1 students have health insurance coverage as a condition of enrollment. This guarantees that both TTUHSC and the non-immigrant students are in compliance with United States federal regulations and guidelines.
- The term "100% distance program" means the entirety of the degree program is online, with no face to face or onsite academic, research, or linical component.
- "Affordable Care Act (ACA) compliant" is defined as coverage which accepts reexisting
conditions and meets the criteria of Minimum Value and Essential Health Benefits.
- Minimum Value covers at least 60 percent of the total allowed cost of benefits that are expected to be incurred under the plan.
- Essential Health Benefits include:
- ambulatory services
- emergency services
- maternity and newborn care
- mental health and substance abuse treatment
- perscription drugs
- lab tests
- preventative services
- pediatric services
- rehabilitative and "habilitative" services
The purpose of the health Insurance requirement is to ensure students have quality heath insurance coverage, which includes emergency care, specialty care, and pharmacy services. Students should note many of the facilities where students receive clinical training require each student to be covered by health insurance. Hospital or clinic personnel may ask for proof of coverage at any time. Students may be denied access to clinical experience, at the discretion of the facility, if not covered by health insurance. Student Health Insurance Plans provide value for students due to robust and broad coverage, often at half the cost of comparable employee plans.
Students will receive an email with instructions for how to enroll in the Student Health Insurance Plan or submit a waiver from their School and/or AHP. All communication about the insurance requirement and Student Health Insurance Plans is sent directly to the student using the contact information that is on file with the University.
To enroll in the Student Health Insurance Plan:
- Make sure you are registered for the semester you are enrolling in student insurance for. You will not be able to enroll until you are registered for classes.
- Go to https://ttuhsc.myahpcare.com/enrollment.
- Click the “Click Here to Enroll” link under your student classification.
- If you have not created an account, click Register to establish a username and password. Otherwise, sign in with your existing username and password.
- Continue to fill out the form until complete.
- You are also given the option to add dependents during the enrollment process.
Summer Only 2021 Enrollment Deadline - June 30, 2021
Please know that the insurance coverage is from May 1 - August 31, 2021. If you sign up in June you will still be required to pay for May. The sooner you enroll the better.
It is important to note that the premium charge WILL NOT be posted on the student’s tuition and fee bill from TTUHSC. The SHIP premium charge will be billed directly to the student at the time of enrollment. Students must adhere to the billing deadlines and guidelines of the Student Health Insurance Plan.
Students who do not wish to retain the Student Health Insurance Plan must file an online request for a waiver with AHP each academic semester. An approved waiver is required each semester, without exception. The request to be waived must be submitted online through the AHP website by the designated deadline. Providing insurance information at the University Health Center does not substitute for the waiver requirement. If no waiver is received, each school might have some form of penalty.
For a waiver to be approved, the level of benefits provided to the student through a health insurance plan must meet the minimum essential coverage requirements within the Affordable Care Act (ACA). Cost sharing, short term, and travel plans do not meet the health insurance coverage requirement. Minimum Essential Coverage requirement ensures students have access to local providers and a range of services in the state of Texas. Services include, but are not limited to, hospitalization, ambulatory services, emergency services, maternity and newborn care, mental health and substance abuse treatment, prescription drugs, lab tests, preventative services, pediatric services, and rehabilitative and "habilitative" services.
NOTE: The Office of Student Life does not evaluate students' private insurance, Academic Health Plans (AHP) does. Please do not submit your insurance information to the Office of Student Life. Students must submit their private insurance information online through the AHP waiver system.
To submit a waiver:
- Make sure you are registered for the semester you are submitting a waiver for. You will not be able to access the waiver system until you are registered for classes.
- Go to ttuhsc.myahpcare.com/waiver.
- Review the waiver criteria.
- Click on the blue button at the bottom of the page that says ‘Click Here to Waive the Student Health Insurance Plan’.
- On the login page, students will enter their TTUHSC student ID in R1234567 format as their username and their date of birth in MMDDYYYY format as the initial password unless previously changed. Students are then taken to the student dashboard screen.
- Click the blue button to “Waive the Student Health Insurance Plan”.
- Fill out alternative health insurance information and submit. It can take 3-5 days for the waiver to be processed.
The Hard Waiver process has been reviewed and approved by the TTUHSC Office of the General Counsel and Executive Student Affairs Workgroup.
Sunmmer Only 2021 Waiver Submission Deadline - June 18, 2021
Frequently Asked Questions
The purpose of the health Insurance requirement is to ensure students have minimum essential coverage, which includes emergency care, specialty care, and pharmacy services. Students should note many of the facilities where students receive clinical training require each student to be covered by health insurance. Hospital or clinic personnel may ask for proof of coverage at any time. Students may be denied access to clinical experience, at the discretion of the facility, if not covered by health insurance. Student Health Insurance Plans provide value for students due to robust and broad coverage, often at half the cost of comparable employee plans.
Health insurance is required for all students, but you do not have to purchase the plan available through Academic Health Plans. You may instead submit a request to waive the plan with proof of adequate coverage elsewhere.
There is a small group of programs that do not require insurance so make sure to check first if your program is on this list.
If you have health insurance outside of Academic Health Plans that is ACA compliant (cost sharing, short term, and travel plans don't qualify), then you will submit a waiver. If you need health insurance you can enroll in the AHP Student Health Insurance plan (or find adequate coverage elsewhere).
The Medical Service Fee covers basic services so the student can have inexpensive access to basic services. The MSF does not cover emergency room visits, hospitalizations, laboratory services, radiology, procedures other than colposcopy, immunizations, AIDS tests, antibody titers, durable medical equipment, or medications administered in clinic. The ACA compliant health insurance will cover these items. Check out the Student Health website for the list of benefits the Medical Service Fee covers.
Coverage is considered comparable if it provides students with access to local providers and a range of services in the state of Texas. Services include, but are not limited to, hospitalization, ambulatory services, emergency services, maternity and newborn care, mental health and substance abuse treatment, prescription drugs, lab tests, preventative services, pediatric services, and rehabilitative and "habilitative" services.
Yes, there are options to add coverage for your spouse or any dependents.
You can visit the AHP enrollment page at https://ttuhsc.myahpcare.com/enrollment to purchase a plan for yourself, your spouse, and any dependents.
If you have lost health coverage after an enrollment period has closed, you are eligible to file a "Qualifying Event" application for coverage. You will need to provide a letter from your previous health insurance provider stating the specific date when your coverage ended. Make sure to enroll within 30 days of the qualifying event.
Other qualifying events include, but are not limited to:
- Turning 26 and no longer on parent's insurance
- Birth or adoption of a child
- Loss of a spouse, whether by death, divorce, annulment or legal separation.
Yes. The student health insurance plan gives you access to Academic Emergency Services (AES), which provides you with coverage if you are over 100 miles from home, or are outside your home country. AES offers a wide range of services and benefits, such as help with finding an adequate doctor in an unfamiliar location and getting a prescription when away from home. They also can provide assistance with getting a family member or friend to you if you are hospitalized, or getting you home if you have an illness or death in the family.
It is very important to make sure when you are visiting a doctor, hospital, or urgent care center that they accept Aetna and are also in network with your plan.
To check, you can call the office of the location you are visiting and ask if they take Aetna insurance and if they are in network. You can also visit the AHP website to utilize their "Find a Doctor" tool under benefits.
Academic Health Plans
1-855-357-0241 (TTUHSC Dedicated Line)