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MSM Student Insurance Plan Details

Explore the insurance plans available to your through MSM.

MSM Student Health Insurance

Insurance Coverage Information

MSM Aetna Student Health PPO Plan

The student health insurance plan for the 2025-2026 academic year is offered through Aetna Student Health and administered by Health Sciences Assurance Consulting (HSAC).

The Morehouse School of Medicine Student Insurance Plan is pending state approval and is subject to change. The Summary of Benefits will be available when the plan is approved.
Deductible $300 In-Network
Co-Insurance 80% In-Network
Out of Pocket Max (Individual) $4,500.00 In-Network
Office Visit No charge for Primary Care, $50 copay for Specialist, 100% not subject to deductible In-Network
Emergency Room Visit $150 Copayment, 80% Co-Insurance In-Network and Out-of-Network
Prescription Drugs $15/$35/$60/80% coinsurance up to $300 per prescription
Student Health Insurance Plan Premiums 2025-2026

The student health insurance plan is an academic year plan; however, the premium is split into two equal payments. For the MSM policy year, the first payment will be assessed during fall 2025-2026 registration, and the second payment will be assessed during spring 2025-2026 registration. Students who enroll in the student health insurance plan at the start of the academic year will remain enrolled for the entire academic year and will not be eligible to waive the plan during the spring term.

Cohort Coverage Start Coverage End Premium Summer Premium Fall Premium Spring Premium
Continuing Students 07/01/2025 06/30/2026 $7,876.00 $3,938.00 $3,938.00
Incoming PA Students 06/02/2025 06/30/2026 $8,429.00 $553.00 $3,938.00 $3,938.00
Incoming MD Students 07/01/2025 06/30/2026 $7,876.00 $3,938.00 $3,938.00
Incoming MSMS 1 year Students 06/02/2025 06/30/2026 $8,429.00 $553.00 $3,938.00 $3,938.00
Incoming GEBS Students 08/11/2025 06/30/2026 $7,024.00 $3,086.00 $3,938.00
Incoming MSMS 2 year Students 08/11/2025 06/30/2026 $7,024.00 $3,086.00 $3,938.00
Incoming GEN 08/18/2025 06/30/2026 $6,873.00 $2,935.00 $3,938.00
Incoming MPH (eMPH are not eligible for enrollment) 08/11/2025 06/30/2026 $7,024.00 $3,086.00 $3,938.00

The following online programs are not eligible for enrollment in the MSM student policy: eMPH, MSBT, MSHI, MAJIC, and DHA

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Frequently Asked Questions

About the student health care plan

How do I obtain my ID Card?

ID cards are usually available 5-7 business days after your eligibility is confirmed.

  • Go to www.aetnastudenthealth.com
  • Go to the Purple Get Started block, select "Morehouse College", then click view your school.
  • On the MSM page, select "Get your ID card"
  • Complete the form with your MSM Student ID (this can be found on your Campus Nexus Portal under “My Information”) and Date of Birth; your student ID begins with "M000"
How do I set up my account at Aetna Student Health?

To set up your account:

  • Go to www.aetnastudenthealth.com
  • On the top right of the website, click on the link for "Aetna Member Website."
  • Click on the blue "Register or login" button
How do I find a Preferred Provider or Participating Pharmacy?

To find a preferred provider:

  • Go to www.aetnastudenthealth.com
  • Select "Morehouse School of Medicine" in the purple "Get Started" block, then click view your school.
  • On the MSM page, select "Find a doctor, hospital, or pharmacy".
  • Click on "Go to Provider Search".
  • Click on "Login to Secure Site" if you have already set up your account, or "Register Now" to create your account.
  • You will then be able to search for Providers.
See More FAQs
Student Health Plan

What you need to know

1
All full-time students are required to either enroll or waive

Maintaining comprehensive health insurance coverage is mandatory for all full-time MSM students. All students MUST be covered by an ACA compliant domestic health insurance plan for the entire academic year, including summer and holidays.

2
Part-time students are exempt, but may enroll if they choose

Part-time MSM students, those enrolled in programs where the entire curriculum is delivered online, and students only enrolled in thesis/dissertation continuous registration courses are exempt from MSM's comprehensive health insurance requirement.

3
You will be automatically enrolled if you do not waive coverage

If an acceptable waiver is not received by the posted waiver deadline, MSM will finalize your enrollment in the student health insurance plan, you will no longer be eligible for a refund of the Fall 2025-2026 premium, and your student account will automatically be assessed the applicable Spring premium during registration for the Spring term.

4
If you are currently waived from the MSM student plan, you do not need to resubmit your waiver.

If we cannot verify the coverage we have on file for you, you will be contacted via email from HSA Consulting, Inc. (HSAC), the MSM Insurance Plan Administrator.

5
Enrolling in the MSM Student health plan

If you wish to enroll in the student health insurance plan for the 2025-2026 academic year, you must submit your enrollment via the 'Enroll' button at the top of this page.

6
Waiving out of the MSM Student health plan

If you have active health insurance coverage and would like to waive the MSM student health plan. Please submit a waiver request through the 'Waive Coverage' button at the top of this page. Once you have submitted, you will receive an email verifying if your waiver meets the MSM requirements to waive.

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