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.
Please note: The waiver form does not work on mobile devices.


Contact Us

Student Health Insurance Office
Health Services Building, room 206
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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