Plan Information

Plan Information

The NIU Student Health Insurance Plan is a PPO plan underwritten by Blue Cross Blue Shield. Students are covered 24 hours a day, anywhere in the world.

ENROLLMENT IN THE PLAN IS AUTOMATIC FOR STUDENTS REGISTERED FOR 9 OR MORE ON-CAMPUS HOURS, AND FOR ALL INTERNATIONAL STUDENTS.  Please see Eligibility & Enrollment for more information.

Some of our coverages for the 2013-2014 school year:

  • $500,000 annual maximum
  • $250 annual deductible per benefit year
  • Most Preventive services (100%), most well-care (100%), generic birth control (100%), most immunizations (100%), and allergy shots (80%) now covered
  • Physical therapy & chiropractic care has unlimited visits at 80% coverage
  • 6-month pre-ex for students and dependents, 19 & over, waived with 6 months of consecutive coverage or creditable coverage
  • Emergency Room copay is $150 per visit
  • In-network out of pocket maximum is $5000 per year
  • Out-of-network deductible is $700 per year
  • Out-of-network coinsurance is 60% of Usual and Customary charges
  • Out-of-network out of pocket maximum is $8000 per year

For more information regarding insurance benefits, please review the Plan Brochure (pdf) or contact Student Health Insurance at 815-753-0122.

 

Cost for the 2013-2014 school year:  

Annual (8/16/13 - 8/14/14)
Student*                           $1,060
Spouse/Domestic Partner    $4,412
Per Child                           $2,008

Fall (8/16/13 - 12/31/13)
Student*                           $530
Spouse/Domestic Partner    $2,206
Per Child                           $1,004

Spring (1/1/14 - 8/14/14)
Student*                           $530
Spouse/Domestic Partner    $2,206
Per Child                           $1,004

Summer ONLY (6/6/14 - 8/14/14)
Student*                           $252
Spouse/Domestic Partner    $1,022
Per Child                           $471

*There is special pricing for Thesis and Doctoral students who have less than 6 credit hours.  Please contact Student Health Insurance at 815-753-0122 for more information.