FAQs about Graduate Student Health Insurance

FAQS about Graduate Student Health Insurance


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 changed. International students should follow the process outlined on the Center for Global Engagement website here.   Please contact Betty Fornelius with questions.

3. The process for domestic students is now done fully online. After students register for classes during the upcoming semester, a charge for the individual premium of the Baylor Student Health Insurance Plan will appear on their student account. Students will then receive an email from AHP providing a portal to either complete insurance enrollment (with the option of adding dependents and/or optional dental) or waive the Baylor SHIP with a comparable insurance plan. Students who qualify for the subsidy will see the subsidy amount substracted from the total individual premium amount placed on their student account (the subsidy is explained here).  

4. The health insurance process is outlined below: 

  • Students must waive or enroll in the Baylor Student Health Insurance Plan (SHIP) for both Fall semester 2020 and Spring/Summer 2021
  • Beginning in July 2021, current students will only enroll once a year during the primary enrollment period of July-September. New students in their first year will enroll the semester they begin classes as well as the July-September enrollment period. AFter that point, they will only enroll once a year during the primary enrollment period. 
  • Students must be registered for the upcoming semester before they will receive the insurance enrollment email from AHP. It is very important to make sure all graduate students are registered as soon as possible for the upcoming semester (we recommend at least 6-8 weeks in advance).  The insurance enrollment email from AHP will come after a student registers for courses and after that registration is relayed by Baylor to AHP through the eligible to waive file. This is not an instantaeous process.
  • As soon as students register for classes, the charge for the total indivdual student insurance premium will appear on their student account. If they waive, the charge will be removed. If they are subsidized, they will see the subsidy subtracted from the total charge. If they enroll dependents and/or opt for dental, those charges will be placed separately on their student account. 
  • Students may find the annual and semester pricing for the Baylor Health Insurance plan on the Graduate School website here.
  • 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.
  • Students may find information about subsidy  eligibility on the graduate school website here. If you believe your subsidy status is incorrect, please first verify your status as a graduate assisant identified in your departmental offer letter with your GPD and have them contact the Graduate School. We must have verification from the GPD before changes can be made to subsidy status. Students eligible for the subsidy will receive confirmation of their subsidized status through their initial offer letter.  


  • If a student has questions about health insurance enrollment or billing:  
    • If you have general questions about insurance at Baylor, please contact Betty Fornelius. 
    • If it is about subsidy status, please have your GPD verify your funding status and then have your GPD contact the Graduate School. 
    • If you have questions about what qualifies for waiving insurance, please see here and contact AHP for questions. 
    • If you have 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.   
    • For other questions, please email Grad_HealthInsurance@baylor.edu.
  • If you plan to include your spouse and/or dependents, or enroll in dental, you will do that through the initial enrollment process. The subsidized and/or unsubsidized individual premium cost will be billed through Baylor along with all optional coverage for dependents and/or dental. You can find these details on the AHP enrollment webpage here. You may ask specific questions through the AHP website here. 
  • All insurance eligible students will receive a charge for the individual premium on their Baylor student account as soon as they register for classes. If they hold comparable insurance, the charge will be removed after they have successfully waived insurance through AHP.
  • AHP approves all insurance waivers. This can only be done through AHP. 
  • 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. 

Baylor Graduate School

Baylor Graduate School
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Waco, TX 76798-7264

(254) 710-3588

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