Why have I been charged for student health insurance I did not need?
For the safety and financial security of our students, NIU requires all qualified students to have insurance while attending. To secure the best pricing and ensure compliance with this requirement, the university uses an opt-out approach to the insurance program. If you're a qualified student and do not need the insurance offered by the university, you can waive this requirement by showing proof of other similar coverage.
Can I waive the insurance if I have my own?
Most likely, yes. You may opt out of student health insurance during the waiver period by providing proof of other comparable coverage. Comparable insurance must meet Affordable Care Act (ACA) requirements. The waiver option is not available to first-semester international students.
How is student health insurance charged?
Student health insurance is charged per semester and automatically applied to your bursar account.
If I waive the insurance in the fall of the academic year, do I have to waive again in the spring?
No, if you waived the insurance and the waiver was accepted, it is in effect through the full academic year. You will need to waive again the following academic year.
I waived the insurance in the fall, but now I need it for the spring. Can I enroll?
Yes, you can enroll during the open enrollment/waiver period for the semester. Contact us for more information.
How do I verify that I have or have not been charged for the student health insurance?
- Log in to MyNIU.
- Choose the Financial Account tile, then Account Services.
- Select Term Acct Detail, then Semester.
- Look for the Student Health Insurance fee located under MISC.
What should I do if I have not received or cannot access my ID card?
ID cards are not mailed. To access your ID card, you must register for an account with the insurer, UnitedHealthcare Student Resources.
Does student health insurance cover dental and vision?
No, dental and vision coverage are separate options you can choose. Learn more about student health insurance options.
What are the current student health insurance benefits?
View the current schedule of benefits (PDF).
What are the effective coverage dates?
- Fall semester coverage dates: August 1 to December 31
- Spring semester coverage dates: January 1 to July 31