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Health Insurance FAQs


Students who are required to carry health insurance will be charged the student health insurance fee upon registration. It may take up to 10 business days for Aetna’s records to reflect you as a member. If you need to pay for medical services during the processing period, you may submit a claim to be reimbursed by Aetna. 

The NSU Student Health Insurance Plan for the 2018-2019 academic year costs $2,299, which includes a $78 administrative fee. Costs for final-year HPD students may vary as some final academic years extend beyond 12 months. The costs for Health Professions Division programs with a 15-month long final academic year (June 1- August 31) are $2,859.  Plan documents and summaries of benefits are available on the Aetna Student Health website. Refer to Plan Costs by Program for a detailed breakdown of costs per semester/term. 

Once your waiver application has been approved, please allow up to 10 business days for the charge to be reversed. 

If you are entitled to a refund of tuition and fees, the refund will first be applied to any sources of financial aid from which you may have been awarded. Once all balances owed to NSU have been satisfied, any excess funds remaining will be refunded to you. Refunds will generally be delivered to students in the form of a check unless the student has a valid Direct Deposit Authorization on file or payment has been made by credit card or gift card, in which case the excess credit will be returned to the card. Please visit the Bursar's website for more information on refunds of charges, tuition, and fees

If you withdraw from school within the first 31 days of a coverage period, you will not be covered under the policy, and the full premium will be refunded to you, less any claims paid. If you withdraw after 31 days, you will be covered for the full period that you have paid the premium for, and no refund will be granted. This refund policy will not apply if you withdraw due to a covered accident or illness. 


If you are a student in a mandatory program, you will automatically be enrolled in the NSU Student Health Insurance Plan. Once you register for classes, the student health insurance charge will be placed on your NSU student account. The NSU Student Health Insurance Department will send an email to your to notify you that the charge has been placed. If you are insured under another insurance plan, you must complete a waiver to opt-out of the NSU Student Health Insurance Plan each academic year by your program’s given waiver deadline. To help prevent unwanted charges, the Student Health Insurance Department continuously sends an email waiver reminder  to students until the charge has been paid or waived. Always check your SharkLink account for charges.

Voluntary Enrollment Plan

Students who are not eligible for the NSU Student Health Insurance Plan may purchase the Voluntary Comprehensive Plan through the Student Educational Benefit Trust (SEBT). The SEBT plan mirrors the coverage and benefits offered through the NSU Student Health Insurance Plan. Both plans are Aetna-affiliated, however, SEBT is the health insurance company providing you with Aetna coverage. Therefore, you must contact SEBT for all questions regarding your plan, insurance card, benefits, coverage, health discounts, and finding a provider, not Aetna.

If you were not previously enrolled in the mandatory NSU Health Insurance Plan, you may apply for health coverage through the Voluntary Comprehensive Plan within 30 days of experiencing a qualifying life event (i.e., involuntary loss of coverage) during your academic year. 

Contact SEBT Monday through Friday, between the hours of 8:30 a.m. to 5 p.m. at 877-233-5159 option 2, and again option 2 or visit for more information. 

The NSU Student Health Insurance Plan is only intended for the student, not dependents. If you are seeking coverage for you and your dependents who do not have other health insurance coverage, you and your dependents may enroll in the Voluntary Comprehensive Plan through the Student Educational Benefit Trust (SEBT). If you are required to carry health insurance, be sure to waive out of the NSU Student Health Insurance Plan by submitting an electronic waiver prior to the given waiver deadline, after purchasing an adequate health insurance plan that meets all of the six waiver requirements, such as the Voluntary Comprehensive Plan through SEBT.

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