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Student Health Insurance

Students enrolled in certain Nova Southeastern University (NSU) programs are required to carry adequate health insurance coverage. Generally, this applies to most programs in the Health Professions Division (HPD), all Traditional Undergraduate Day Students, all on-campus residential students (including graduate students), and full-time students in the J.D. Law program.  

If you are a student in a mandatory program, you will automatically be enrolled in the NSU Student Health Insurance Plan, and your student account will be charged accordingly. If you are insured under another insurance plan, you must opt out of the NSU Student Health Insurance Plan each academic year by the given waiver deadline for your program. The effective dates for coverage under the NSU Student Health Insurance Plan will coincide with the academic year, not the calendar year.

Mandatory Health Insurance Information



2016-2017 Academic Year 2017-2018 Academic Year
All mandatory populations,
except final year HPD students
$1,998.00 per year $2,199.00* per year
HPD students with 15-month
coverage periods (final year students)
$2,498.00 per year $2,753.00* for final
15-month academic year

*2017-2018 insurance rates include a $70 administrative fee per academic year/student.

How to obtain an insurance ID Card

Insurance cards will not be mailed out. Students may print a paper insurance card by following the steps below:

  1. Visit Aetna Student Health.
  2. Type your NSU ID # without the "N" and your date of birth. 
  3. Click on "Submit," and your ID card will appear below. You can save the image or print your ID card.

You may also request to have a card mailed to you by calling Aetna Member Services at 877-480-4161.

IMPORTANT: Before receiving medical care with a Tier II or Tier III provider, covered students must contact the NSU Student Health Center. If a covered student does not obtain the necessary referral for treatment, no benefits will be payable. Students are also required to follow up with the NSU Student Health Center to obtain a referral if the provider the student was originally referred to would like the student to see a different provider for the same condition.

Referral is NOT required for the following exceptions:

  • Treatment for an emergency medical condition (A referral from the NSU Health Center may be necessary for follow-up care.)
  • Obstetric and gynecological treatment
  • Pediatric care
  • Preventative/routine services (services considered preventive according to Health Care Reform and/or services rendered not to diagnose or treat an accident or sickness)
  • Treatment when the covered student is more than 25 miles away from the school health services
  • Treatment when the NSU Student Health Center is closed
  • Treatment administered from any Tier I provider

There may be other treatments for which students do not need referrals. Please refer to the Plan Design and Benefits Summary for more information.

Tier I - NSU Student Health Center and Medical Clinics

  • Covered medical services rendered through a Tier I provider will be covered at 100% of the negotiated charge (plan deductible and copays waived), subject to benefit limitations and exclusions as they relate to health care services.
  • Sub-specialty care performed by a non-NSU Medical Clinic provider will be subject to the benefit period deductible, coinsurance, and co-payments.
  • The NSU Student Health Center is staffed by board-certified physicians and physician assistants who provide primary care services including:

    • Physical exams
    • Women's health care
    • Immunizations
    • Preventive care
    • General medical care
    • Minor surgical procedures
    • Health and wellness
    • Student counseling, including treatment for anxiety, panic, depression, anger management, financial stress, social struggles, chronic illnesses, abuse, suicidal thoughts, break-ups and divorce, assault, and many other areas affecting a students' quality of life.
    • Pharmacy (prescriptions and free screening services)

Tier II - Aetna In-Network PPO Providers

  • Providers within the Preferred Provider network have agreed to accept negotiated rates which reduce students' out-of-pocket expenses. To find a doctor, hospital, or pharmacy, visit Aetna's website.

Tier III - Out-of-Network Providers

  • Out-of-network providers may not accept payment of students' cost share (deductible and payment percentage) as payment in full and may therfore bill students for the difference between the amount billed and the amount paid by the plan. If an emergency room facility or physician bills you for an amount above your cost share, you are not responsible for paying that amount. Please send the bill to the address listed on your member ID card and Aetna will resolve any payment dispute with the provider over that amount. Make sure your member ID number is on the bill.

Students graduating or otherwise leaving school whose 2016-2017 student health insurance coverage is terminating may elect to purchase a continuation option that will provide an additional three months of coverage based on the 2017-2018 policy year benefits. Please note that if you graduated in May, your plan will continue to cover you until the end of your academic program year in July or August. If you want to extend your coverage beyond that, you will be eligible for the continuation option, which can cover you for up to an additional three months. 

Please read the following important information prior to electing to enroll:

  • If you enroll within 15 days after your current 2016-2017 NSU Student Health Insurance plan expires, coverage under the 2017-2018 plan will be in effect the day after the expiration date.
  • The maximum length of coverage under the continuation option is three consecutive months.
  • The continuation option is not renewable, nor can the policy be cancelled once an application has been received. No refunds will be issued.

Apply for the Three-Month Continuation Option

Waiver Information

The waiver deadline for the Winter 2018 semester/term for all programs is February 1, 2018.

NSU Program
Anesthesiology Assistant (M.S.)
Audiology (AUD)
Athletic Training (B.S.)
Biomedical Science (M.B.S.)
Dental Medicine (D.M.D.)
International Program for Dental Graduates (D.M.D.)
Postdoctoral Dental Programs
Exercise and Sports Science (B.S.)
Law Full-time Day Program (J.D.)
Nursing (B.S.N.) - Entry
Occupational Therapy (O.T.D., M.O.T.)
Optometry (O.D.)
Osteopathic Medicine (D.O.)
Pharmacy (Pharm.D., Ph.D.)
Physical Therapy (D.P.T.) - Entry
Physician Assistant (M.M.S., Concurrent M.M.S and M.P.H.)
Public Health (M.P.H)
Residential Students (all levels and programs)
Respiratory Therapy First-Professional Program (B.S.)
Sonography (B.S., Concurent B.S., and M.H.S.C.) Cardivascular and Medical
Speech-Language and Communication Disorders (B.S.)
Speech-Language Pathology (M.S., SLP.D.)
Undergraduate (Traditional Day Students)

Complete the online waiver

If you are a student in a mandatory program, you will automatically be enrolled in the NSU Student Health Insurance Plan, and your student account will be charged accordingly. If you are insured under another insurance plan, you must opt out of the NSU Student Health Insurance Plan each academic year by the given waiver deadline for your program. 

In order to be eligible to opt-out of the NSU Student Health Insurance Plan, your insurance must meet the criteria listed below:

Waiver Criteria

  1. The claims administrator of your insurance plan must be based in the United States with a U.S. telephone number and address for submission of claims. 
  2. The policy is not a traveling policy.
  3. The plan provides both emergency and non-emergency health care and mental health benefits within your local NSU campus area.
  4. The plan provides inpatient and outpatient mental health care and chemical dependency benefits comparable to the coverage provided by the NSU Student Insurance Plan.
  5. The plan provides coverage for prescription medication.
  6. The lifetime benefit is unlimited.

Out-of-state Medicaid, state children's health insurance plans, HMOs, and Kaiser Permanente plans may not cover non-emergency care in this area. If this is the case, you will not qualify for a waiver. Please contact your medical insurance carrier to confirm that your insurance covers non-emergency care and that you have a deductible small enough to allow you to afford your portion of the bill.

Complete the online waiver

In order to access the online waiver, you must be registered for the academic year for which you are seeking to waive coverage. Please note the waiver can only be completed online. 

Appealing A Denied Waiver

If your waiver has been denied, and you believe that your insurance coverage meets the above waiver requirements, you may submit an appeal by emailing Please be sure to include your name, NSU ID number (N number), and NSU student email. 

If you wish to enroll in the NSU Student Health Insurance Plan after a waiver has been approved, you may do so within 30 days of experiencing a qualifying life event (i.e. involuntary loss of coverage) within your academic year. Please contact NSU Student Health Insurance via email if you wish to reverse your waiver.

Voluntary Enrollment Plan

International Students

International students in any of the above mentioned mandatory populations are automatically enrolled in the NSU Student Health Insurance Plan, and their student accounts are charged accordingly. International students living on campus are also required to carry adequate health insurance and will automatically be enrolled in the NSU Student Health Insurance Plan. This is a university requirement, not a visa requirement.  Detailed information on required documentation for visiting scholars is available on the Office of International Affairs website.

Voluntary Enrollment (SEBT)

The Voluntary Comprehensive Plan is intended for students and their dependents who have no other health insurance coverage. It meets the minimum essential coverage requirements set forth under the Affordable Care Act as well as J-1 visa requirements for international students and includes a benefit to cover InterCollegiate sport injuries.

For more information on the Voluntary Comprehensive Plan, including benefits and plan documentation, visit

Please note, this plan is not underwritten by Aetna nor is it the same as the NSU Student Health Insurance Plan. You may call the Student Educational Benefit Trust (SEBT) at 877-233-5159.

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