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NSU Student Health Insurance


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.
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