Student Health Insurance

Enroll or Waive NIU Student Health Insurance

You can enroll in or waive NIU Student Health Insurance starting Monday, Dec. 7, 2020. The last day to enroll in or waive is Monday, Jan. 25, 2021.

  1. Visit Aetna's website at least 48 business hours after registering for spring or summer 2021 classes.
  2. Log in using your full Z-ID (with the "Z" prefix) as your username and your birthdate (MM-DD-YYYY) as the password.
  3. You will receive a confirmation after you fill out the enrollment or waiver form.

Please note: If you use your Student Health Insurance benefits, you will not be able to waive at a later date.

Questions? We're here to help! Please contact us at 815-753-0122 or You can also reach Aetna at 877-480-4161.

The NIU student health insurance plan is through Aetna and is a PPO. Our costs are lower this year and are very happy to be able to add dependents this year. Learn more about details regarding the 2020-2021 NIU Aetna Student Health plan (PDF).

Benefits 2020-21 School Year
Semester Cost $1,114
Annual Deductible $500 (in-network)
Doctor's Office Copay $10 (annual deductible does not apply)
Co-insurance 70/30
Dependent Coverage $1,114 (one child) $2,228 (two or more children)

Benefits 2020-21 School Year
Generic $20
Brand $50 - $75
Specialty Copayment is the greater of $100 or
20% (of the negotiated charge) but will
be no more than $200 per supply.
Most Birth Control 100% coverage

If you have any questions, please contact us at 815-753-0122, or visit our office in the Health Services Building, room 201.

Get health information anytime, call 1-800-556-1555. Learn more about Aetna's Informed Health® Line.

Delta Dental, Vision Insurance for NIU Students
Short-term Insurance for non-Students

NIU has collaborated with Benefit Partners for Delta Insurance to provide dental and vision coverage to NIU students. They also offer short-term coverage if you are no longer an NIU student. Learn more about coverage options. NIU does not receive any remuneration nor does it guarantee the plan and/or program.

What are premiums, deductibles, coinsurance and copays?


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.

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