Student Health Insurance Enrollment FAQs

NOTE: The Student Health Insurance charge cannot be added to Graduate or Part-Time Undergraduate students account with the Bursar Office. Students who wish to enroll in the SHIP must purchase coverage directly utilizing the Gallagher Student Health Portal.

Graduate (Master's or Doctoral) students are not automatically enrolled in the Student Health Insurance Plan (SHIP) for the Fall 2024 semester or Spring 2025 semester. The University offers a voluntary enrollment option for the SHIP through United Healthcare for Graduate students. Graduate (Master's or Doctoral) students must be registered for courses during the semester they wish to enroll in the Student Health Insurance Plan. 

The Student Health Insurance charge cannot be added to the students account with the Bursar Office. Students who wish to enroll in the SHIP must purchase coverage directly utilizing the Gallagher Student Health Portal.

Click on the link below and log in utilizing your MSU login credentials.

Fall 2024 Student Health Insurance Plan Enrollment 

Once you've successfully logged in, please follow the instructions below to enroll in the SHIP for the Fall 2024 semester:

1) Log in under "Profile"

2) Click the "Enroll" button under "Plan Summary"

3) Complete ALL fields and submit the Insurance Enrollment Form.

4) Please process your payment for the Student Health Insurance Coverage.

5) An Enrollment Confirmation Email will be sent to your MSU email address.

6) The Student Health Insurance coverage will become active approx. 2-3 business days after verification from the University, Gallagher Student Health & Special Risk, and United Healthcare.

Full-time undergraduate students (registered for 12 credits or more) are automatically enrolled in the Student Health Insurance Plan (SHIP) with United Healthcare for the Fall 2024 semester and Spring 2025 semester. Full-time undergraduate students are not required to log into the Student Health Insurance Portal to actively enroll; based on their automatic enrollment. 

We strongly recommend the student create a United Healthcare Account. Actively utilize the account to manage your Healthcare and ensure you complete all items in the Action Center (the bell located at the top right side of the screen). The account which provide direct access to your insurance carrier which includes:

• Benefits Information
• ID Card
• Dependent Enrollment
• PRA (Appoint Personal Representative)
• Claims and Balances
• AND MUCH MORE

On the first day of Fall classes, please click HERE for the instructions on How To Create Your United Healthcare Account.

Students can use their Student Health Insurance Benefits with United Healthcare at the University Health Center and all in nework providers in the United States of America. The actively insured student is responsible for external lab fees, deductibles, visit fees, and co-pays (after the insurance benefits has been applied) for any visits at external healthcare offices and at the University Health Center. In the event that emergency medical care is received outside of University Health Center, please present the hospital, urgent care, or medical provider with your insurance card.

If you are referred to another provider by the emergency room or urgent-care physician, please request an In-network provider from the referring physician. 

Students enrolled in the Student Health Benefits may enroll any eligible dependents during Open Enrollment periods.  Additional premium payment required.

• The only exception to enrolling outside the Open Enrollment period would be a Qualifying Life Event (with appropriate documentation) such as:
• Adding a newborn (must be enrolled within 30 days of birth)
• Adding a newly adopted child (must be enrolled within 30 days of formal adoption)
• Marriage (must enroll within 30 days of marriage date)
• International dependent arriving after Open Enrollment must enroll within 30 days of arrival in the U.S. (must have copy of passport showing date of arrival in U.S.)
• Within the first 30 days of termination of other health insurance coverage

Please click on Fall 2024 Student Health Insurance Enrollment below:

Fall 2024 Student Health Insurance Plan Enrollment 

Once you've successfully logged in, please follow the instructions below to enroll in the SHIP for the Fall 2024 semester:

1) Log in under "Profile"

2) Click the "Enroll" button under "Plan Summary"

3) Follow the instructions to complete the form to enter and enroll your "dependent spouse/partner" and/or "dependent children".

4) Complete ALL fields and submit the Dependent Enrollment Form.

5) Please process your payment for the Health Insurance Coverage for your dependents.

6) An Enrollment Confirmation Email will be sent to your MSU email address from Gallagher Student Health & Special Risk.

7) The Student Health Insurance coverage will become active approx. 2-3 business days after verification from the University, Gallagher Student Health & Special Risk, and United Healthcare.

You must purchase dependent insurance for the same coverage period as your own coverage; it can’t be for a longer or shorter period than your own. For example, if you enroll for Fall coverage, your dependents need to be enrolled for Fall coverage; you wouldn’t be able to enroll them for Annual coverage. If you enroll for Fall coverage and do not enroll your dependents at that time, you cannot enroll your dependents unless a qualifying event occurs.

Note: If enrolling a dependent for the first time in SHIP, documentation needs to be uploaded at the time of
submission. For example, a marriage certificate for a dependent spouse or birth certificate for a dependent child.

Dependents, who are not currently registered for courses at Morgan State University, cannot receive healthcare services at the University Health Center. However, they can receives services from an In-Network provider in the United States, not the University Health Center. 

Dependents, who are currently registered for courses at Morgan State University, can schedule an appointment at the University Health Center, by clicking HERE . 

If you are located off campus in another city, you still have the ability to utilize the Student Health Insurance Plan through United Health Care. Log into the Gallagher Student Health portal using this link to "Find A Doctor", "Get An ID Card", and "Pharmacy Program" Click Here

Full-time undergraduate students who submit a Student Health Insurance waiver during the waiver period. The following "Qualifying Life Events" are the only exceptions that will permit a student to enroll themselves or family outside of open enrollment

• Adding a new dependent (within 30 days of marriage, birth or adoption)
• Enrolling as a new or transfer student (within 30 days of date of enrollment)
• Becoming ineligible for coverage from prior health insurance company due to age, marriage or loss of employment (within 30 days of loss of coverage with appropriate documentation). 
• Enrollment of student and/or family members requires payment of premium due for that enrollment period. 
• Premiums will not be added to a student's account. Payment must be made by credit or debit card directly to Gallagher at the time of enrollment.

1. Go to www.gallagherstudent.com/Morgan
2. Follow the login instructions.
3. Click on “Enroll-Qualifying Life Event.”
4. Complete the online form and upload the required supporting document, such as the loss of coverage letter
from your prior health insurance company showing your name and the last day of coverage.

Note: Read the form carefully as it contains very specific information on the Qualifying Life Event process.
If your enrollment in SHIP is on a voluntary basis, there is no option for the Qualifying Life Event process if
you lose coverage with your current health insurance plan.

Once you voluntarily enroll in SHIP, you will remain enrolled in the plan for the full coverage period. You have no option to
terminate coverage unless you enter the armed forces. Only in that case (entering the armed forces) we will refund — or your student account will be credited — a pro-rated share of your premium. 

Yes, your plan covers you wherever you in the United State of America. If you are enrolled in SHIP and paid the premium, you'll be covered. Your plan also provides you with 24-hour Worldwide Travel Assistance, which includes services ranging from a lost passport, helping with emergency medical assistance or arranging emergency medical evacuation or repatriation of remains. It’s important to contact UHC Global at 1-855-289-2618 before making arrangements on your own. Otherwise, these services will not be covered.

To access these services, please see the contact information on the back of your ID card or in My Account. For more
information on Global Emergency Services, please review the Assistance and Evacuation Benefits section in your
Brochure-Certificate.

Other information about seeking medical care abroad:
• Always keep your SHIP ID card with you.
• Save a copy of the plan brochure and/or bookmark your student health website.
• If you get sick while abroad, you will likely need to pay for your care first and then submit bills for
reimbursement. Your covered expenses will likely be considered an out-of-network expense.
• Before you submit claims for reimbursement, have the itemized bill(s) translated into English.
Also include a letter informing the claims administrator you already paid for the healthcare service
and need to be reimbursed.
• Write your name, ID number, address and school name on your bill(s). This will help the claims
company process your reimbursement request correctly and promptly.