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 2022-2023 Student Health Insurance benefits you will not be able to waive at a later date during said semester.

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, you must enter the Z. 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.