Opting Out and Appeals

The spring/summer 2021 waiver period is now closed.

Opting Out

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 2020-2021 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:

  1. Log in with your Z-ID. The password is your birthdate in this format: MMDDYYYY.
  2. Enter your health insurance information.
  3. Make sure you get a waiver confirmation number.
  4. 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.

Frequently Asked Questions About Appeals

What is the reason for Student Health Insurance?New

The university requires that all students registered for nine or more on-campus semester hours and all students doing study abroad, have adequate health insurance while attending NIU. Therefore, you are automatically covered and charged the fee for medical insurance on your tuition account.

Why is there a deadline to cancel the insurance?

The university is obligated by contract with an insurance vendor to provide a roster of all insured students under the plan. This roster must be submitted at the beginning of the semester to assure that claims are paid in a timely manner. The roster cannot be submitted until after an established cancellation deadline, so that we can determine which students should be covered by the plan and exclude the students who have declined coverage by completing the on-line waiver process.

Where is information about the deadline published?

Procedures and deadlines for cancellation are published in a timely and public manner. Information is included in the undergraduate and graduate catalogs, in the semester schedule of classes booklet, handed out at orientation programs, included in billing emails sent from the student insurance office at time of billing, included in the tuition bill mailed to the student, listed on the bursar’s statement in MyNIU under term detail, included in ads in the Northern Star and posted on the student insurance website.

How do I file an appeal to cancel my insurance?

Filing an appeal is not a guarantee that the insurance fee will be removed from your tuition account. When you file an appeal, you must fill out the appeal form, provide proof of health insurance coverage and write a letter to the appeal committee explaining the extenuating circumstance that prevented you from canceling your insurance within the required time frame.

These three documents then go to the appeals board who will review them and make a decision on whether or not you will be allowed to cancel the insurance. Their decision is final and binding.

Contact Us

Student Health Insurance Office
Health Services Building, room 201
Phone: 815-753-0122
Fax: 815-753-9599

8 a.m.-4:30 p.m.

Aetna's Informed Health® Line1-800-556-1555

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