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
  • Optional Blue Cross Blue Shield Dental PPO coverage is available to all NIU students enrolled in the Student Health Insurance Plan. Click here for information and enrollment form

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.