Health Insurance Waiver FAQs

The Fall 2025 Student Health Insurance waiver will also apply for the Spring 2026 semester. The student will have the Student Health Insurance charge totaling TBD on their account for the Fall 2025. The Student Health Insurance charge will appear in the charges section on your student bill. Once the waiver is successfully submitted and verified by the University, we will process the Student Health Insurance waiver (located in the payment section of the bill) totaling TBD. The Student Health Insurance waiver will appear in the payment section on your student bill. 

The Spring 2026 Student Health Insurance waiver will also apply for the Spring 2025 semester. The student will have the Student Health Insurance charge totaling TBD on their account for the Spring 2026. The Student Health Insurance charge will appear in the charges section on your student bill. Once the waiver is successfully submitted and verified by the University, we will process the Student Health Insurance waiver (located in the payment section of the bill) totaling TBD. The Student Health Insurance waiver will appear in the payment section on your student bill. 

Note: Once you submit the Student Health Insurance waiver in the Fall 2025 semester, you will not be required to submit a separate waiver for the Spring 2026 semester. The Fall 2025 semester waiver will also apply for the Spring 2026 semester, once billing for the Spring 2026 term begins and you are registered as a full-time undergraduate student.

Yes! All registered (must be registered for classes during the term) students can Schedule An Appointment at the University Health Center for healthcare services. All students visiting the University Health Center must pay a Visit Fee based on their Healthcare appointment. 

Additionally, all external lab (blood work and urinalysis) processing is completed by (BioReference Labs or LabCorp). The external lab charges the students Health Insurance carrier for the lab fees. The Health Insurance carrier determines the percentage it will cover for the bill and remaining balance must be satisfied by the patient (student) once the bill is processed by the external lab. The University Health Center does not charge or cover the cost of lab fees from the external lab.

Yes! Full-time undergraduate students who have private Health Insurance that provides coverage in the State of Maryland can submit the Student Health Insurance waiver. Please submit the waiver with your private Health Insurance Card and information. The student would use their private Health Insurance plan when receiving clinical and mental healthcare services in the State of Maryland. 

Students with In State (Maryland) Medicaid can submit the Student Health Insurance waiver and receive healthcare services in the State of Maryland. We recommend all In State Medicaid students review the Explanation of Benefits and In Network Provider information from their Insurance provider. 

All MSU students can utilize the healthcare services of the University Health Center for acute and chronic illness. Students are required to pay a visit fee based on the type of appointment scheduled and services rendered. 

To Schedule An Appointment in the University Health Center, click HERE

For more information regarding the University Health Center Services and Fees, click HERE

We recommend students with Kaiser Permanente Insurance submit the Student Health Insurance waiver, prior to the waiver deadline. Additionally, we recommend that the student schedule all healthcare appointments directly with Kaiser Permanente, as their insurance company is only accepted at their physical locations or affiliated locations.

Please click HERE for the Kaiser Permanente locations closest to Morgan State University.

All MSU students can utilize the healthcare services of the University Health Center for acute and chronic illnesses. Students are required to pay a visit fee based on the type of appointment and services rendered. Please be advised, any labs or external prescriptions are charged at full price via the Laboratory and Pharmacy, because we are not a Kaiser Permanente healthcare network provider. 

To Schedule An Appointment in the University Health Center, click HERE

For more information regarding the University Health Center Services and Fees, click HERE

Students with Military Insurance, that provides coverage in the State of Maryland, can submit the Student Health Insurance waiver and receive healthcare services in the State of Maryland. We recommend all students review the Explanation of Benefits and In Network Provider information from their Insurance provider. 

All MSU students can utilize the healthcare services of the University Health Center for acute and chronic illness. Students are required to pay a visit fee based on the type of appointment scheduled and services rendered. 

To Schedule An Appointment in the University Health Center, click HERE

For more information regarding the University Health Center Services and Fees, click HERE

Full-time undergraduate students (registered for 12 or more credits) during the Fall semester are required to submit the Student Health Insurance waiver each Academic Year, prior to the deadline. The Student Health Insurance waiver portal opens in July each year. The waiver submitted in July will be applied during the Fall and Spring semester(s) for the Academic Year.

The Fall 2025- Spring 2026 Student Health Insurance Waiver portal opens on July 1, 2025. The deadline to submit your waiver for the Fall 2025 - Spring 2026 Academic Year is Saturday, September 6, 2025.

Once the student successfully completes the Student Health Insurance Waiver and receives their confirmation code via email, the University will begin verifying the information provided in the Gallagher portal for accuracy and validity. The student must be registered as a full-time undergraduate student (taking 12 or more credits for the semester) for the waiver to apply to the student account. Please allow 3-4 business days for the waiver to process on the student's account. 

Fall 2025 waivers will be applied to students' WebSIS accounts starting August 1, 2025.

Once the student successfully completes the Student Health Insurance Waiver and receives their confirmation code via email, the University will begin verifying the information provided in the Gallagher portal for accuracy and validity. The student must be registered as a full-time undergraduate student (taking 12 or more credits for the semester) for the waiver to apply to the student account. 

1)While viewing your student bill, the Student Health Insurance fee will appear as a charge on your account (located in the charge column).

2) The Student Health Insurance waiver will appear as a payment on your account (located in the payment column) equaling the same amount as the original charge. Thus, waiving the insurance. 

If you have any questions, please contact the University Health Center immediately at healthcenter@morgan.edu . Additionally, please do not hesitate to contact us via phone at 443-885-3236.

Full-Time Undergraduate Student (entering during the Fall 2025 semester)

Full-time undergraduate students entering the University for the Fall 2025 semester are required to submit the waiver once it opens on July 1st. Once the student has successfully submitted the waiver for the Fall 2025 semester and received the confirmation code via their MSU email account, we will begin processing the waiver. The Fall 2025 waiver will also apply for the Spring 2026 semester once the student is registered as a full-time undergraduate. 

New or Transfer Undergraduate Student

SPRING 2026

• The Spring waiver is only accessible for new or transfer full-time undergraduate students enrolled at the University for the first time (first semester) or students who were not enrolled for the previous Fall semester. 

Please be advised that the Spring 2025 waiver does not apply to the Fall 2026 semester. The waiver for the following 2026-2027 Academic Year will open in July 2026. 

Full-Time undergraduate students registered for the Fall 2025 semester must submit their Student Health Insurance Waiver prior to the Fall 2025 waiver deadline. If you fail to submit the waiver for the Fall 2025 semester, the Student Health Insurance charge will remain on your bill for the Fall 2025 and Spring 2026 semesters, and you will not have access to log into the portal to submit a waiver after the deadline.

NOTE: If you fail to submit the Student Health Insurance waiver during the waiver period, your Insurance company can cancel your coverage, because their system will indicate that you have multiple health insurance plans. Please do not forget to submit your Student Health Insurance Waiver.

Yes! Full-Time undergraduate students that lose their private health insurance coverage AFTER submitting the waiver are eligible to enroll in the Student Health Insurance Plan as a Qualifying Life Event . 

Log into the Student Health Insurance Portal and click on the Qualifying Life Event Tab. This section will require the student to enroll in the Student Health Insurance Plan, submit all required documentation to support the Qualifying Life Event, and directly pay for coverage.