What do I do if I already have private insurance?

IF YOU CURRENTLY HAVE INSURANCE COVERAGE: 

An online waiver may be submitted during the annual open enrollment/waiver process. All Midshipmen will be provided notification for when the waiver process will be available to them. The waiver website can be located at www.mystudentmedical.com.  All Midshipmen must complete the requested information on this website.  The waiver requires the midshipman’s date of birth and student ID to access. 

USMMA recommends that you contact your insurance provider to confirm the answer to these questions that will be asked in the waiver process: 

1. Will your current coverage remain in effect through December 31st of the current coverage year? 
2. Is your insurance company headquartered/operated in the United States with a US Claims address and Customer Service phone number? 
3. Does your current plan provide both emergency and non-emergency benefits for medical and mental health treatment? 
4. Does your current plan provide inpatient hospital, outpatient physician visits, laboratory services, radiology and outpatient mental health benefits?  Coverage limited to Emergency care does not satisfy this requirement.  
5. Does your plan have hospitals and providers within 10 miles of the Academy for nonemergency care? 
6. Does your plan provide coverage in all 50 states and internationally? 
7. Does your coverage comply with all Federal and New York States regulations for student health insurance?  

Please note that you cannot waive the USMMA insurance plan if you have answered “No” to items 1 – 7 above, or have an HMO or Tricare Prime. Tricare Standard is accepted. 

If your current insurance plan meets all the above requirements, you will be able to “waive” the purchase of the academy sponsored plan as long as you intend to keep your own plan which meets these USMMA requirements.