Student Health Insurance Plan (SHIP)

Are you covered?


The Aetna Waiver Website is now OPEN! All new AND returning domestic students are required to visit the Aetna website to apply to either WAIVE or ENROLL in the insurance plan for the 2020-21 academic year. In preparation to complete the hard waiver, please see below to explore your insurance options and review the minimum criteria that must be met to successfully waive the student insurance plan.

Aetna Insurance benefit details are available on their website. Please click here to Enroll/Waive and review the 2020-21 Plan Design and Benefits Summary.  


Students who do not complete the application to waive or enroll in the Student Health Insurance Plan (SHIP) will automatically be enrolled in and billed $3,472.00 for ASC's annual SHIP ($1,736 Fall Semester, $1,736 Spring Semester). These charges will be reflected on the student account if the hard waiver is not completed and approved by the deadline. Once the charges are applied, they cannot be reversed.

HEALTH INSURANCE IS MANDATORY FOR ALL STUDENTS (excluding Graduate and Post Bacc Students).

Upon completion of the hard waiver process, students will receive an email from Aetna 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).

Please see below for Student Insurance Options and Criteria Requirements for Hard Waiver: 


  • Option 1 – Purchase the Aetna Insurance plan that provides coverage 8/15/2020 – 8/14/2021. The cost of the contractual plan is $3,472.00* for 12 months. The cost is divided into fall and spring semester payments.
  • Option 2 – Obtain insurance coverage through a parent or guardian, spouse, or employer. The policy must meet ASC’s minimum criteria requirements. Students are required to show active policy coverage and proof of the minimum requirements on or before July 3, 2020 to avoid charges to their student account for the Aetna plan. 
  • Option 3 – Secure insurance under the Affordable Care Act (dependent on income status).  Insurance obtained through the ACA must meet ASC’s minimum criteria requirements. Please visit to review coverage options. 


If you intend to complete the waiver application, please secure the following information for your current insurance policy prior to accessing the website. 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 at 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 2020-2021 academic year.
  • I agree that I will be held financially responsible for payment of all charges not covered by my health insurance plan.       

*This price is subject to change.   

For further questions, please contact us at or 404.471.6544.