Health Insurance Requirement
​​KansasCOM requires all students carry health insurance. To meet this requirement, each year all registered students are automatically enrolled in KansasCOM’s Student Health Insurance Plan (SHIP). Students who have comparable health insurance coverage, meeting all KansasCOM requirements, may waive out of automatic enrollment in SHIP coverage during the open waiver period at the beginning of each academic year.

Detailed information about the SHIP plan, including information regarding enrollment and waiver will be provided to you via a link to your institutional email. Once you receive the email notification, you will activate your account. Once the account is active, you will be able to log in and access the waiver and enrollment options. Please check with the Office of the Registrar at [email protected] if you did not receive a link via your KansasCOM email.

Open Enrollment and Waiver for the KHSU-KansasCOM sponsored SHIP policy is from approximately August 1 through the end of July. 

​Students who do not waive out of the KHSU-KansasCOM SHIP by the deadline will by default be enrolled in SHIP and remain enrolled through the end of the plan year, and thus will be responsible for the associated premiums.

The following are the minimum requirements for students’ personal health insurance coverage:

  • Coverage must be active and continuous (no break or termination) for the entire academic year

  • Coverage must be ACA (Affordable Care Act) compliant

  • Maximum benefit must be unlimited

  • Deductible must be $1,000 Single/ $3,000 Family or less per person, per policy year

  • Claims must be paid by a U.S.-based company, and underwriting company must be owned, operated, and headquartered in the U.S. and must be in full compliance with all applicable federal laws

  • A provider network within 25 miles of the KansasCOM area for primary routine care, specialty, hospital, and diagnostic care

  • Plan must provide coverage in all 50 states

Policies which only cover catastrophic events are not acceptable. Policies which are provided through health care co-ops are not allowed.Prior to beginning clinical experiences, KHSU-KansasCOM students in their third and fourth year must submit additional proof of personal health insurance to Clinical Education. All students must report any break in coverage or change in health insurance while attending classes through the site mentioned above. KHSU-KansasCOM students must report any break in coverage or change in health insurance to Clinical Education during the third and fourth years.

To review the full benefits information, please go to: https://kansascom.mycare26.com/. The Student Health Insurance Plan does NOT cover vision and dental; however, there are options to purchase vision and/or dental coverage separately. That information is also available at https://kansascom.mycare26.com/. If you are a participant in the Student Health Insurance Plan, please use the link to create your Aetna account.​



2025-2026 Communications

​06.13.2025

From: Freda Strack <[email protected]>
Sent: Friday, June 13, 2025 3:39:06 PM
To: KansasCOM Class of 2026 <[email protected]>; KansasCOM Class of 2027 <[email protected]>; KansasCOM Class of 2028 <[email protected]>; KansasCOM Class of 2029 <[email protected]>
Subject: Health Insurance 2025-2026

Dear Student Doctors,

We hope this message finds you well. We're writing to inform you about the upcoming annual insurance waiver and enrollment process, which is expected to begin on or around June 30, 2025.

Insurance Waiver & Enrollment Process

As part of our commitment to supporting student well-being, KHSU-KansasCOM offers a health insurance plan through a contracted vendor designed to meet the needs of our student body. If you already have health insurance coverage that meets specific requirements, you may waive the school-sponsored plan by providing proof of your existing coverage. All students are required to complete the insurance waiver or enrollment process each academic year, regardless of whether they plan to enroll in the school-sponsored plan or have alternative coverage.

To be eligible for a waiver, your alternative coverage must meet the following minimum standards:

  • Continuous coverage with no breaks or terminations for the full academic year

  • ACA-compliant (Affordable Care Act) coverage

  • Unlimited maximum benefits

  • Deductible of $1,000 (single) / $3,000 (family) or less per person, per policy year

  • U.S.-based claims processing; the underwriting company must be U.S.-owned, -operated, and -headquartered and comply with all federal laws

  • A provider network within 25 miles of KansasCOM for primary, specialty, hospital, and diagnostic care

  • Coverage in all 50 states

The enrollment and waiver process will begin on or around June 30, 2025. The process will include an email link where you will be able to create an account, and either enroll and pay in the insurance plan or submit a waiver if you have your own plan that meets the requirements. More information about the waiver submission process, required documentation, and deadlines will be shared shortly.

Online Payment for Insurance Enrollment

As a reminder, insurance enrollment fees will continue to be paid directly through a secure online payment system. This process allows you to submit payment quickly and conveniently at the time of enrollment. Please note: Insurance premiums will not be billed to your student account. Payment must be made at the time of enrollment.

2025–2026 Insurance Premium

  • Annual Premium: $4,447.00

  • In-Network Deductible: $400

  • Prescription Co-Pays: $30 / $40 / $75 / $75 (at pharmacies contracting with Aetna)

For more information, please visit the Kansas College of Osteopathic Medicine Insurance Information website.

If you have any questions regarding the insurance plan, waiver requirements, enrollment procedures, or the online payment system, please don't hesitate to reach out. We're here to support you and ensure you have access to the resources and care you need.

Thank you for your attention to these important updates, and we appreciate your cooperation.

* * * * * * * * * * * * *
06.30.2025

From: Freda Strack <[email protected]>
Sent: Friday, June 27, 2025 4:38 PM
Cc: Freda Strack <[email protected]>; KHSU Registrar <[email protected]>
Subject: Student Health Insurance Enrollment and Waiver Process

​Dear Student Doctors,

We hope this message finds you well as you wrap up your current term and prepare for the year ahead.

​This is a reminder that the annual insurance waiver/enrollment process for the 2025–2026 academic year will open on Monday, June 30, 2025, and remain open through Monday, August 4, 2025. All students are required to complete this process, even if you have private insurance that meets the University's minimum coverage requirements.

You will receive an email from AHP (Academic HealthPlans) with instructions on how to either waive or enroll in the student health insurance plan. Please watch your inbox during the enrollment window. If you are a new student, you will need to create an account. If you are a returning student, you should have access with your logon and password from the previous year.

Failure to complete the waiver or enrollment by the deadline may result in administrative action, including a potential hold on your account or removal from enrollment. It is essential that all students complete the process to remain in good standing with the University.

If you have any questions or need assistance, please don't hesitate to reach out.

Warm regards,

​Freda​


Clinical Education Coverage Requirements
​Prior to beginning clinical experiences, KHSU-KansasCOM students in their third and fourth year must submit additional proof of personal health insurance to Clinical Education. All students must report any break in coverage or change in health insurance while attending classes through the site mentioned above. KHSU​-KansasCOM students must report any break in coverage or change in health insurance to Clinical Education during the third and fourth years.

Benefits Information
​To review the full benefits information, please go to:https://kansascom.mycare26.com. The Student Health Insurance Plan does NOT cover dental; however, there is an option to purchase dental coverage separately. That information is also available at https://kansascom.mycare26.com​. If you are a participant in the Student Health Insurance Plan, please use the link to create your Aetna account.

Insurance Page.jpg​
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The institution will provide the address you have on file when you opt-in or our of the insurance. If you address changes after the beginning of the first term of attendance, you will need to update your address within the insurance portal. This is not with Aetna, but the portal where you opt-in or out of insurance. Based on the image above, you would select "Access my Account" and update the information in your account profile. This information is regularly pushes to Aetna.

XP Health - Academic Vision Plan
If you missed the enrollment email sent by XP Health, please contact them at [email protected] or 1-888-974-3020. Both of these contact can assist you with setting up your account and answer any questions you might have.

Student with a Qualifying Event
Students are eligible to enroll in the health insurance plan at a prorated premium if they lose insurance for a qualifying event. 

A Qualifying Life Event is a major life change that may affect your health insurance needs. Qualifying life events may make you eligible for a special enrollment period outside of the school’s scheduled open enrollment period. Enrollment is typically required within 30 days of the qualifying event and supporting documentation is required. Examples of qualifying life events are:

Loss of health coverage.
   • Turning 26 and losing coverage through a parent’s plan
   • Losing existing health coverage under another plan, including job-based, individual, and student plans
   • Losing eligibility for Medicare, Medicaid, or CHIP
   • Losing existing health coverage as a dependent on a family member’s plan through divorce, death, job loss
 
To request coverage for a Qualifying Life Event, please go to: https://kansascom.myahpcare.com/.
  • Click on the Enroll/Cost box
  • Click on the Student with a Qualifying Event plus sign.  You can click the blue box to enroll.  ​

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​Key Links
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Insurance Address Update
The institution will provide the address you have on file when you opt-in or our of the insurance. If you address changes after the beginning of the first term of attendance, you will need to update your address within the insurance portal. This is not with Aetna, but the portal where you opt-in or out of insurance. Based on the image above, you would select "Access my Account" and update the information in your account profile. This information is regularly pushes to Aetna.​
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