Health Insurance

All students are required to have health insurance and are automatically enrolled in The Claremont Colleges’ Student Health Insurance Plan (SHIP). The SHIP plan covers medical expenses off campus, such as hospitalization, surgery, and accidental injury. Information about the policy can be obtained at the SHIP website.

Insurance Information:

• The coverage premium will be added to the student’s account and the enrollment will be automatically submitted to SHIP.
• Domestic Students who wish to waive out of the Student Health Insurance Plan must complete the waiver process each academic year. Students who have not been approved for waiver by July 8th will have the premium added to their first billing of the semester. The premium will be removed from the student’s account if a waiver approval is received before the September 13th waiver deadline. To submit a waiver request, please visit the SHIP Insurance Verification Portal.
• International students are required to have the SHIP coverage. International students who can prove coverage by a domestic insurer who pays claims in the US. under a policy that meets the other waiver requirements may contact Lyn Hughes in the Dean of Students Office to request a waiver.
• If you are in need of financial aid for health insurance, please contact the Office of Financial Aid.
• 2024–2025 coverage dates and premium rate: 08/01/24 – 07/31/25 = $3,125.00*
  *Disclaimer: These rates and benefits are pending approval by the California Department of Insurance and can change.

SHIP Tips

• Always carry a printed and/or electronic copy of your insurance ID card. Print a copy of your card on the Aetna website.
• Visit the 2024-2025 SHIP Information Center.
• If you are being referred to a provider, always check to make sure they are a member of the Aetna Preferred Provider Network. You can do this by:
  • Calling Aetna Customer Services at 877-480-4161
  • Visiting the Aetna website
  • Asking the provider to confirm that it is a member of the Aetna Preferred Provider Network

Things to consider when choosing health insurance

When reviewing your health insurance options, SHIP may be a good choice if any of the following conditions apply:

1. You do not have health insurance and are not eligible for a federal- or state-sponsored plan.
2. You have a private health insurance plan with a very high deductible.
3. You live outside California and have a Medicaid plan associated with that state which makes it very difficult to obtain benefit coverage in California; (Note: many state plans do provide excellent coverage in California, and that coverage may in fact be better than the coverage you would receive with SHIP, so be sure to review your plan coverage.)
4. You have an HMO with limited benefits.

Please note:

• Most national healthcare plans provide coverage for out-of-state primary care, urgent and emergency care. Please contact your healthcare plan provider to determine your dependent coverage while enrolled at CMC in Claremont, California.
• We encourage students to reach out to the Dean of Students office to discuss their health insurance options.

Still have questions?

Check out the FAQ or contact the Dean of Students office.