Information on the 桃瘾社区 Student Health Insurance waiver process is below. For all other information on navigating health insurance issues and questions, please visit our Navigating Care guide.
If you don't see the answers to your questions, email us at emmons@oxy.edu.
Students must actively waive the health insurance each year if they do not wish to be on 桃瘾社区鈥檚 Student Health Insurance Plan (OSHIP). Waivers from previous years do not roll over.
Student Health Insurance Information for the 2025-2026 Academic Year
The 桃瘾社区 Student Health Insurance Plan (OSHIP) carrier is Aetna Student Health. The student health insurance plan through Aetna Student Health covers primary, urgent, emergent, pharmaceutical and behavioral health care locally, nationally and internationally. There are no breaks in coverage, so students will be covered while on winter and summer breaks.
This Aetna Student Health insurance is a full service PPO plan that works at all Aetna Healthcare providers throughout the United States, and that covers primary, urgent, emergent, pharmaceutical and behavioral health care. Providers who do not accept Aetna will accept Aetna Student Health insurance at out-of-network rates. Student health insurance can be utilized anywhere in the US. Internationally, insurance can be used via reimbursement for services. Patients must call the insurance company before they go to the doctor to authorize the visit (if possible), or soon after to make them aware of the visit and the upcoming reimbursement request. Patients must retain all medical documents and receipts for services.
How to Submit an Application to Waive 桃瘾社区 Student Health Insurance
All enrolled students must have health insurance through an ACA accredited/approved health insurance plan. For on-campus study, students are required to have insurance that covers primary and specialty care services in Los Angeles County - having only urgent and emergent care coverage does not qualify for a health insurance waiver. A student may opt out of the 桃瘾社区 student health insurance plan by filling out an online waiver and providing proof of active health insurance at .
Students who wish to waive OSHIP must do so every year; waivers do not automatically carry over year-to-year. If students do not waive, they will be automatically enrolled in, and charged for, the 桃瘾社区 Student Health Insurance Plan.
The deadline for applying for a health insurance waiver for the FALL 2025 Semester is Wednesday, August 20, 2025 at 5:00pm. Waiver requests will not be reviewed after this date and time, and students who fail to opt out by the deadline will be automatically enrolled in OSHIP. A charge for OSHIP enrollment for the semester will appear on the student's account if they do not waive. Emmons does not have the ability to refund the OSHIP charge for students who do not waive the insurance plan by the deadline.
The health insurance waiver is only accessible electronically, and can be found at .
To Waive OSHIP: Visit and provide information on your personal health insurance by Tuesday, August 20, 2025 at 5:00pm.
If you will be accessing the JCB Insurance waiver system for the first time, you will need to use your 桃瘾社区 email address to create an account; personal email addresses will result in an error message. In addition, make sure that you are using the correct 桃瘾社区 Student ID number that begins with an A and has eight numerical digits following the A.
Most PPO and POS plans, Southern California-based HMO plans, and Kaiser plans qualify to waive out of the student health insurance. Insurances that usually do not meet the minimum requirement of the waiver include out-of-state HMO plans, non-LA County Medi-Cal plans, Travel Insurance policies, short term health insurance plans, health care sharing ministries, and state-sponsored Medicaid plans.
To Enroll in OSHIP: Visit and after inputting 桃瘾社区's name in the search bar, scroll down until you see "Need to Enroll your Dependents or Confirm Your Enrollment" on the left hand side of the screen and click the "Start Here" button, and follow the prompts.
For Assistance: If you need assistance with your waiver application, require technical assistance, or have issues submitting your waiver, please contact JCB Insurance/Gallagher Student Health & Special Risk directly via email at GGB.JCB.Studentservices@