FAQs for Graduate Student Health Insurance and Benefits

Graduate Student Health Insurance:  We have worked hard to provide coverage options to all of our domestic students (on-campus as well as online, professional as well as research doctorates, Masters and PhD) through introducing the hard waiver policy. The Graduate Student Insurance Hard Waiver provides an expansion of coverage for our students, a reduction in cost for students who purchase insurance, and allows domestic students to enroll online and have online access to their benefits and plan. You may find more information about graduate student health insurance on the Graduate School website here and the AHP website here.   

1. All fully-enrolled (3 credit hours or 1 full time equivalency course) domestic graduate students are required to maintain health insurance, either enrolling in the plan provided by Baylor or showing proof of alternate coverage each semester. 

2. International students also are required to maintain health insurance, but this is a continuing standard for them and their process has not change. International students should follow the process outlined on the Center for Global Engagement website here.  

3. The process for domestic students is now done fully online. After students register for classes during the upcoming semester, students will receive an email from AHP providing a portal for students to either enroll or waive. Students who qualify for the subsidy will receive it automatically (the subsidy is explained here https://www.baylor.edu/graduate/index.php?id=959184). Please note that students must be fully funded (receive full tuition remission and be fully-funded through Baylor with a 10 or 12-month stipend level of at least $15,000 for MA/MS students and at least $17,000 for a PhD student) to be eligible for a health insurance subsidy. 

4. The health insurance process is outlined below: 

  • Students must waive or enroll in health insurance each semester (Fall, Spring & Summer).
  • Students must be registered for the semester before they will receive the insurance enrollment email from AHP. It is very important to make sure all graduate students within your department are registered as soon as possible for the upcoming semester (we recommend at least 6-8 weeks in advance). 
  • Students will receive bills shortly after registering, however, we have worked with payroll to make sure that students have the option to defer payment and enroll in payment plans. 
  • You may find the annual and semester pricing for the Baylor Health Insurance plan on the Graduate School website here: https://www.baylor.edu/graduate/index.php?id=959184 
  • Please know it may take up to 5 days for student enrollment in health insurance to be verified online. This is normal. The open enrollment period allows time for this to process.
  • You may find information about subsidy  eligibility on the graduate school website here. If you have incorrectly submitted a student as subsidized or not subsidized or have late adds/drops for other reasons, please fill out this online form to alert Alanna Martinez and myself. We will check this form weekly to update student attributes in Banner which allows the corrected information to be submitted to AHP. Your GPD can then reach out to us (myself and Alanna Martinez). We must have verification from the GPD through this online form before we can submit changes. 


  • If a student has questions about health insurance enrollment or billing:  
    • If it is about subsidy status, please contact Alanna Martinez and myself and/or fill out the online form for changes. 
    • If a student has questions about what qualifies for waiving, please direct students here and have them contact AHP for questions. 
    • If a student has questions about the enrollment process through AHP, enrolling dependents, enrolling in dental, your bill for dependents and dental, or problems in the enrollment portal, please contact AHP here or here.  If a student does not receive a response within 24-48 hours, please contact Alanna Martinez and myself and we will direct the student to the appropriate AHP channels. 
  • If you plan to include your spouse and/or dependents, or enroll in dental, you will be allowed to do that after you have completed the individual enrollment process. The subsidized and/or unsubsidized individual premium cost will be billed through Baylor, but any spouse/dependent/dental will be due direct to AHP at time of enrollment. You must enroll yourself first, then do the process again adding your spouse. You will NOT be charged twice for yourself (AHP is adding language to the website clarifying this). You can find these details on the AHP enrollment webpage here. You may ask specific questions through the AHP website here. 
  • If a student fails to either enroll or waive within the required time frame, they will receive a warning email from AHP reminding you to enroll or waive. If they still fail to do this by the end of the open enrollment period, they will be automatically enrolled and insurance charges placed on their student bill.   

Baylor Graduate School

Baylor Graduate School
Morrison Hall, Suite 200
One Bear Place #97264
Waco, TX 76798-7264

(254) 710-3588

(254) 710-3870