Texas Tech University

Health Insurance Information

Healthcare insurance in America can be very confusing. Terms like copay, deductible, in-network provider, and others can be difficult to understand for young adults and students from countries with very different healthcare systems.

Students who subscribe to Academic HealthPlans (AHP) enjoy very good health coverage compared to many other insurance policies across the nation. In addition to very good coverage, you have the added benefit of having access to Student Health Services where 100% of services you may receive are covered by your AHP plan. 

AHP logo

Texas Tech University requires non-immigrant students to maintain the health, evacuation, and repatriation insurance offered through the university.

Health Insurance Plan Information

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Information about the TTU student health insurance plan

My AHP Plan Portal!

My AHP Portal

Welcome to My AHP Care! Your one stop to find information about the insurance your school provides. Visit this page to access your Insurance Portal and Card

Find a Doctor

Find a doctor

To find a doctor who accepts your insurance click here

Access TelaHealth 

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24/7 access to healthcare and medical advice by phone, video or app.

Doctor, Clinic How To's and Dictionary 

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Frequently Asked Questions

Why does Texas Tech University (Texas Tech University) require non-immigrant students to have health insurance?

The United States Government has certain requirements for all persons applying for a non-immigrant visa (e.g., student visas) to enter the United States. These include certain financial qualifications – such as being able to meet all personal financial liabilities while in the US, and not becoming a "public charge" while in the US. Given the extraordinarily high cost of medical care in the US, Texas Tech University requires that all non-immigrant students have health insurance coverage as a condition of enrollment. This helps ensure non-immigrant students comply with the United States Government's financial responsibility requirements cited above.

"I thought my insurance plan was Aetna?! Not AHP? What is the difference?

Academic HealthPlans (AHP) is your plan administrator.

AHP provides the following services:

  • Website
  • Plan Materials
  • Waiver
  • Enrollment
  • Billing
  • Customer Care for Enrollment
  • On-campus Support

Aetna Life Insurance Company is your actual insurance carrier.

Aetna provides the following services:

  • Claims Administration
  • Claims Customer Service
  • Distribution of ID Cards
  • Access to a Large Network of Providers

How Do I find my Insurance Card?

You will need you log into your AHP Portal first

Download ID card

What are the dates of coverage?

Fall Semester: August 1 to December 31
Spring/Summer Terms: January 1 to July 31

How does the plan work - can I see any doctors?

The best place to seek medical assistance is at the Student Health Center on campus.

Students can also access a doctor outside the health center by logging on to 
ttu.myahpcare.com to find an in-network doctor (a doctor who accepts your insurance). A walk-through for outside visits can also be found on the AHP Insurance in Action page. 

The Student Insurance plan pays for prescription medicines.

Do I need to pay the Student Health and Wellness Fee to be eligible for medical care at Student Health Services?


What is the difference between the Texas Tech University Employer (RA/GA/TA) Plan and the Student Plan?

The Texas Tech University employer plan is administered by Blue Cross and Blue Shield and has some higher benefits. The Texas Tech University employer plan does not include medical evacuation and repatriation. The Student Plan is geared for students and while it does not have as broad coverage it meets the needs of most students and includes medical evacuation and repatriation and is less expensive than the employer plan.

If I have to pay for the insurance, can I get the Student Health and Wellness Fee waived from my tuition bill?

No – The Academic HealthPlans Policy premiums are based on student utilization of Student Health Services at the Student Wellness Center for routine medical appointments. A Premium is  the amount you pay each month (or each year) to keep your insurance policy active. Your premium amount is determined by many factors, including risk, coverage amount, and more – depending on the type of insurance you have.

The insurance policy provides coverage for prescription medicines, emergency room visits, hospitalizations, and medical care when the student is not in Lubbock, Texas.

Are there any AHP waivers for international students or athletes?

Yes, the insurance premium will be waived for nonimmigrant students sponsored by the United States Government, a foreign government recognized by the United States of America, or certain international, government sponsored or non-governmental organizations. Such waivers will be based on the government or organization guaranteeing payment of all health care expenses including evacuation and repatriation. Documentation must be presented to the Texas Tech University Office of International Affairs prior to registration. The AHP website lists the requirements needed to submit your waiver. 

The insurance premium will also be waived for students who provide documented evidence of health insurance coverage, including evacuation and repatriation, by an employer, US based. Nonimmigrant students employed by Texas Tech University and eligible for both employer-provided insurance and international student health insurance may select between the two, as long as the insurance selected includes evacuation and repatriation coverage. Note: Medical evacuation and repatriation insurance can be purchased to supplement employer provided health insurance from Academic HealthPlans.

Policy Information

The TTU policy regarding the health insurance requirements can be found OP 34.24: health insurance information.

More Frequently Asked Questions Via the Student Health website

Can I lose my Insurance if I have a change of status?

Possibly. While we cannot make a statement on this subject, it is recommended that you contact your insurance provider before changing statuses to get more information on what will happen to your plan, and which plans you could get when your status changes.