If you waived in the fall you do not need to waive in the spring. If you are unsure, you have access to view your student billing statement "by term to determine if you have been charged for spring coverage.
If you have other health insurance that meets our requirements, you can waive, or cancel, our insurance during the waiver period.
Note: if you use your 2021-2022 Student Health Insurance benefits you will not be able to waive at a later date.
Can I Opt-Out?
In order to opt-out of our insurance, your plan must:
Be in effect on the first day of classes
Cover pre-existing conditions
Cover well care and preventive care 100%
Cover prescription drugs
Have unlimited benefits
Your plan cannot be:
Medicaid or an HMO from another state
Health insurance from another country
A limited liability, limited benefit, short-term or indemnity plan
How to Opt-Out
During the waiver period, after you have enrolled for your fall classes follow these steps:
Log in with your Z-ID, you must enter the Z. The password is your birthdate in this format: MMDDYYYY.
Enter your health insurance information.
Make sure you get a waiver confirmation number.
Check your NIU email for our confirmation message.
Please note: The waiver form does not work on mobile devices.
If you do not cancel our insurance during the waiver period, you may still be able to waive it by filing an appeal. Your appeal must include:
An appeal form
Proof of health insurance coverage
A letter explaining why you didn't cancel within the waiver period
An appeals board will review your information and decide if you will be allowed to cancel the insurance. The board's decision is final.