Student Health Insurance

Effective January 7, 2019, Northwestern Medicine is now the healthcare provider at Northern Illinois University. Please refer to the Student Health Insurance brochure to see how the school insurance will work at NIU. For more information, please contact the Student Insurance office, 815-753-0122.

Enroll or Waive the NIU Student Insurance

Student Health Insurance enrollment/waiver period now open. You can either accept the NIU Student Health Insurance Plan or you can waive out of the plan. Coverage dates are from Aug. 1 through Dec. 31, 2019. The cost is $1,179.

  • Visit the Aetna enrollment/waiver website
    • Please note this link does not work on cellphones
    • You will not be able to access the enrollment/waiver site until 48 business hours after you have enrolled in fall classes
  • Login using your ZID (include the "Z" ex. Z17… or Z18…) and the password is your birthdate
  • The last day to enroll or waive the insurance is Tuesday, Sept. 9, 2019
  • You will receive a confirmation after you fill out the enrollment or waiver form

Please note that if you do not waive in the NIU Plan and are taking at least nine on-campus hours, you will be automatically enrolled in the plan and the premium will be billed to your tuition account.

The NIU student health insurance plan is through Aetna and is a PPO.

The cost and benefits of the NIU plan will stay the same for the 2019-20 school year.

Benefits 2019-20 School Year
Semester Cost $1179
Annual Deductible $500
Doctor's Office Copay $10 (annual deductible does not apply)
Co-insurance 70/30
Dependent Coverage No

Benefits 2018-19 School Year
Generic $20
Brand $50
Specialty Brand $75
High Cost Drugs 20% co-insurance with a min cost of $100 and a max cost of $200
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.

Dependent Coverage

Dependent coverage for spouses, domestic partners and children is not available. Our Student Health Insurance office provides individualized support for finding dependent coverage. Call 815-753-0122 or email

To find coverage for dependents, visit the Get Covered Illinois website or contact the DeKalb County Health Department’s Healthcare Enrollment Assistance Program at 815-748-2498 or email

Delta Dental and Vision Insurance

As of Oct. 1 2018, NIU has collaborated with Delta Insurance to provided dental and vision coverage to NIU students. Learn more about coverage options. NIU does not receive any remuneration nor does it guarantee the plan and/or program. Delta Insurance is available directly to students of NIU

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.