Student Health Insurance

Are you covered? 

Health insurance is mandatory for all Agnes Scott College students* seeking a bachelor's degree!**

*International students are required to be covered by GeoBlue by Blue Cross Blue Shield. 

**Although not required for Graduate and Post-Baccalaureate students, it is still available to them, should they wish to be covered by the Student Health Insurance Plan (SHIP). 

While it is not mandatory for students to enroll in the student insurance plan provided by Sirius America Insurance Company, students are required to have AND maintain insurance coverage throughout the entire 2022-23 academic school year. Students not covered by an insurance policy provided by a parent, spouse, employer, Affordable Care Act, or if your policy does not meet the minimum requirements outlined by Agnes Scott will be required to enroll in the Sirius Student Health Insurance Plan (SHIP). Carefully review the student insurance options and details for the hard waiver criteria below.

The website to apply to waive or accept the SHIP will be open on May 16, 2022.
Please visit

The deadline to submit documentation to waive the SHIP must be received on or before June 22, 2022! Students who fail to submit credible health insurance information by the deadline will automatically be enrolled in the plan and their student account billed for the annual cost of the Student Health Insurance Plan. The insurance charges are irreversible once applied to the student account.

Transfer Students

If you are a transfer student, in lieu of filling out a hard wavier, please email our insurance liaison, Karen Ostrom, at in order to provide proof of existing outside coverage. If you are interested in enrolling in the SHIP, you can also email Karen to set this up.

Student Insurance Options

Agnes Scott students have three health insurance options:

  • Option 1: Sirius America Insurance plan is offered for the fall and spring semesters (including summer months). The contract period is August 15, 2022 – August 14, 2023. The total cost for the 2022-23 academic year will be $3,450.00. The total cost for the plan will be divided into fall and spring semester payments in an attempt to minimize financial hardship for students and family; $1,725 and $1,725, respectively.
  • Option 2: Students may obtain health insurance coverage through an employer, spouse, or parent/guardian’s insurance plan provided that it meets the college’s criteria requirements (please see below). Students who choose this option are required to show active policy coverage and proof of criteria requirements on or before the designated deadline of June 22, 2022, to avoid charges to their student account for the Sirius America plan.
  • Option 3: Students may be eligible for coverage under the Affordable Care Act, depending on their income. Insurance obtained through the Affordable Care Act must meet the college’s criteria requirements (please see below). Please visit the website at to explore coverage options. Students who obtain coverage through the Affordable Care Act will be required to show active policy coverage and proof of minimum coverage requirements on or before the designated deadline of June 22, 2022, to avoid charges to their student account for the Sirius America Insurance plan.

Requirements for a Hard Waiver

If you intend to complete the waiver application, please secure the following information for your current insurance policy to complete the hard waiver form. Most of the required information can be found on your insurance card and benefits summary page located in your plan handbook.

  • Insurance policyholder name
  • Current company/employer
  • Insurance plan name
  • Insurance policy identification number
  • Insurance policy group number
  • Insurance company phone number
  • Insurance policy individual annual deductible and maximum out-of-pocket limit

If applying to waive the SHIP please note the following criteria must be met under your current insurance plan (You MUST answer YES to ALL questions)

  • My plan is provided by a company licensed to do business in the United States.
  • My plan provides major medical benefits with a minimum of 70% of the preferred allowance with no maximum benefit.
  • My plan’s total out-of-pocket costs do not exceed $7,150 (U.S.) per policy year. Out-of-pocket costs is the total amount the insured pays for deductibles and coinsurance, in-network, per policy year. This information will be listed in your policy. If you cannot locate the benefit in your policy, please contact your provider.
  • My plan has an individual annual deductible of $2,500 or less OR my plan has an HSA (Health Savings Account) which applies funds toward making the Annual Individual Deductible $2,500 or less.
  • My plan covers pre-existing conditions with no limits.
  • My plan provides prescription drug coverage at a minimum of 70% of the preferred allowance with no maximum benefit.
  • My plan provides in-patient care and outpatient care (including office visits and behavioral health care) within a 50-mile radius of the Decatur, Georgia area. (If your plan covers emergency care only or is a Medicaid program from outside of Georgia, it does not meet this requirement and you must answer no to this question.)
  • My insurance plan covers inpatient and outpatient mental health treatment, treatment for substance abuse (both alcohol and drug abuse and treatment related to suicide or attempted suicide).
  • My coverage will remain in effect for all semesters in which I am enrolled for the 2021-2022 academic year.
  • I agree that I will be held financially responsible for the payment of all charges not covered by my health insurance plan.

Contact Us

Have questions?
Please reach out to us at
or 404.471.6544.

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