Student Health Insurance

Morgan State University Student Insurance Plan (SHIP):

Morgan State University offers student health insurance via CareFirst Blue Cross/Blue Shield administered by GM-Southwest, Inc.

Eligibility:

All registered Full-Time Undergraduate students taking 12 or more credit hours and J-1 Visa Exchange students and Scholars are automatically enrolled and billed each semester for the Student Insurance Plan upon registration.  Students who have other creditable health insurance may elect to waive out of the Student Insurance Plan.  Part-Time students, Graduate students taking 6 or more credit hours or taking thesis are eligible to enroll in this insurance plan voluntarily. 

Effective Date of Coverage: 9/1/2013 to 8/31/2014

Schedule of Student Health Insurance Rates:

Who Can Enroll?

Part-time undergraduate and graduate students pursuing at least 6 credits per semester (fewer credits are permitted for graduate students completing their thesis) may enroll and pay online at www.morganstatestudentinsurance.com during the desginated enrollment/waiver periods. If paying online is not an option, enroll using the Bursar Payment Form available in the "Forms" section of this website. Instructions are printed on the form.

When Can I Enroll?

The Fall 2013 enrollment/waiver period will run from July 1, 2013 to October 15, 2013.

What if I Already Have Health Insurance?

If you have comparable health insurance coverage you can decline the SHIP during the designated enrollment/waiver periods at  www.morganstatestudentinsurance.com. 

  Steps for Completing an Online Waiver Application*

Step 1: Student goes to www.morganstatestudentinsurance.com.

Step 2: Student clicks on “Register/Login” located on the left panel of the website.

Step 3: Student logs into the site using a previously registered Username or Password.  If the student has not previously registered with the site, the student will click on the “Register” command link and completed the registration form.

Step 4: Once successfully registering or logging into the site, the student will click on the online waiver form located in the left panel.

Step 5: Upon reviewing the waiver information panel, the student will click on the “Continue” link and accept the popup disclaimer.

Step 6: Next, the student will see an additional information page outlining the waiver guidelines.  Upon review of the waiver guidelines, the student will click on the disclaimer checkbox to proceed to the next step.

Step 7: The student will validate his/her demographic information, select a student type and click the “continue” link.

Step 8: Student completes the other insurance intake form and clicks the “Continue” link.

Step 9: Student selects “Yes” or “No” for each coverage question, accepts the disclaimer by clicking on the checkbox and clicks the “Continue” link.

Step 10: Student reviews waiver application confirmation page and clicks “Submit”.

Step 11: Upon successfully submitting a waiver application, the student will receive an email indicating GM Southwest has received the waiver request and will process the request within 5-7 business days.

Step 12: The GM Southwest Waiver Administration department will verify existing insurance directly with the insurance company.  Upon verification, GM Southwest will provide the student with an email confirming the waiver application has been approved or denied.  Denial emails will indicate the student will have 7-10 business days to appeal the denial.

*Screenshots were taken during the 2012-13 year, but the steps are currently applicable.

 Student Health Insurance ID Cards

GM-Southwest, Inc. will mail membership cards to the address listed in WEBSIS. If you need your card immediately, do this:

•· Print your card www.morganstatestudentinsurance.com.

•· Register on the site by creating a user name and password.

•· Scroll down to the "Health Ticket" and click on the Morgan Bear icon.

•· Enter the student identification number and date of birth.

•· The next screen will give you several options, including printing your membership card.

What is the "Health Ticket" and what can I do with it?

 This online tool provided by GM-Southwest allows students to access benefit information (e.g., deductibles, and co-pays) and print insurance identification cards.

Questions about student health insurance should be directed to the health center at 443-885-3236.