SMU Student Health Insurance Information

Samuel Merritt University requires all students to obtain and maintain continuous coverage in a domestic medical insurance plan that is compliant with the Affordable Care Act (ACA). The minimum level of coverage for waiving enrollment in the student health insurance plan includes an ACA-compliant level medical plan, urgent and non-urgent care, mental health benefits, and prescription coverage.  Each student is required to maintain continuous medical health insurance coverage until they are no longer an active student, i.e., graduate, withdraw, etc. 

If a student has acceptable health insurance coverage effective on or before their first day of orientation, an online waiver needs to be submitted along with copies of the front and back of their insurance ID card to waive enrollment in the Samuel Merritt University Sponsored Student Health Insurance Plan.

If a student does not have acceptable health insurance coverage effective on or before their first day of orientation, an enrollment request for the SMU student insurance plan must be submitted for coverage effective your first day of orientation.  Students who do not submit a waiver or enrollment request will be enrolled in and charged for the SMU Basic medical plan with coverage effective on their first day of orientation.

The annual open enrollment period occurs in August. Requests may be submitted in July or August but no later than August 31st, and changes will be effective August 1st.  The SMU dental and vision plans are voluntary plans and do not allow for mid-year termination.  

Description of Student Health Insurance Plan

The SMU - Sponsored Student Health Insurance Plan is a Preferred Provider Plan (PPO) underwritten by Anthem Blue Cross Blue Shield.  The plan has been designed specifically for SMU students and their dependents (spouse, domestic partner, and/or children) with an emphasis on wellness.  The plan is designed to provide full coverage for medical care, including annual routine physicals, well-child care, and immunizations.

Enrollment Process

Enrollment requests may be submitted by clicking the "Enroll" tab at the top of this page.  All students who do not submit an acceptable waiver or enrollment request are automatically enrolled in and charged for the SMU Basic Medical Plan.

Waiver Process

If you are an incoming student and have acceptable health insurance coverage, you may submit your waiver request by clicking the "Waiver" tab at the top of this page. Once your waiver is processed, you will receive a confirmation email from HSAC, and if your waiver is approved, SMU will be notified to remove the health insurance charges from your student account.

If you have an approved waiver on file and your insurance information changes, you need to submit an updated waiver within 30 days of the change to confirm acceptable, continuous coverage.

If you have an approved waiver on file and your insurance coverage terminates within 30 days of the termination date, you need to submit an updated waiver with proof of acceptable, continuous coverage or submit a request to enroll in one of the SMU student medical plans. 

Questions and Contact Information

The Servicing Administrator for the SMU - Sponsored Student Health Insurance Plan is HSA Consulting, Inc. (HSAC).

  • For questions related to waiver requests, eligibility, enrollment, benefits, or claims, please contact: HSAC at (888) 978-8355, and identify yourself as an SMU student.
  • For specific questions related to waiver denials, please contact Dee Witte with HSAC at (888) 978-8355 or