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Health Insurance FAQs

Coverage and Cost Information

Yes. All NSU students who are registered for classes are eligible to enroll in the NSU Student Health Insurance Plan. 

Yes. The NSU Student Health Insurance Plan provides coverage throughout the continental United States (all 50 states, not including Puerto Rico).

Students may explore the many individual and family health insurance coverage options available through Health insurance | UnitedHealthcare ( .

NSU Student Health Insurance Plan is an all inclusive medical health insurance plan provided to all students registered for courses. The insurance plan must provide primary care, preventative care, woman's healthcare, mental healthcare, specialty care, urgent care, and emergency care.

  • Deductible: $400
  • When you meet the deductible, United Healthcare will cover In-Network provider medical services at 70%
  • Office co-pay: $30
  • Out-of-Pocket Max: $5,750
  • Urgent care co-pay: $150
  • Emergency room co-pay: $300

For questions regarding insurance ID cards, benefits, claims, coverage, health discounts, finding a provider, and any insurance related questions visit or contact United Healthcare Student Resources at phone: 1-800-767-0700; email:

At this time the NSU Student Health Insurance Plan has been created for students and does not provide coverage for a spouse or dependants. Also, dental or vision plans are not provided by NSU. NSU is not an insurance company nor a licensed insurance agency. We are unable to provide recommendations for insurance plan options outside of NSU. It is recommended to visit for further assistance.

Needlestick coverage includes treatment for exposure to or contact of mucous membrane or non-intact skin (e.g., exposed skin that is chapped, abraded, or afflicted with dermatitis) with blood, tissue, or other body fluids that are potentially infectious with Hepatitis B Virus, Hepatitis C Virus, or HIV through needlestick, instruments, or cut with a sharp object. For further information visit the Post Exposure (Needlestick) Policy page.

Please contact NSU's Sterilization department at (954) 262-7352 or  954-262-1926 for assistance in managing the exposure process.

Yes. Preventive care immunizations are covered at 100% (of the negotiated charge). 

  • If you drop/withdraw from a semester/term before or within the first 30 days of a coverage period, you will not be covered under the policy, and the student health insurance charge will be reversed, unless any claims have been paid.
  • If you drop/withdraw from a semester/term after 30 days of a coverage period, you will be covered for the full period. Payment is required; the charge will not be reversed. If payment was already made, no refund will be granted.

Students must contact the Student Health Insurance Department in a timely manner to request the student health insurance charge to be reversed. Contact our office by phone (954) 262-4060 or via email

Utilizing Your Insurance Coverage

Once you register for classes, the student health insurance charge will be placed on your student account each semester/term. It may take up to 10 business days for United Healthcare's records to register you as an active member. If you need medical services during the processing period, you may contact United Healthcare for further questions about reimbursement by calling 800-767-0700.

Please contact our office immediately to request an expedited enrollment activation. The expedited process typically takes 2-3 business days.

The United Healthcare student health insurance plan is a Choice Plus plan that provides coverage throughout the continental United States. 

To locate a In- Network provider, pharmacy, or hospital in your area follow the steps below:

    • Visit
      • Select Find Providers
    • Medical claims rendered by Select Providers listed on the United Healthcare's Certificate of Coverage found on pages 86-87, may not be subjected to a deductible, nor a copayment. Please note, this does not guarantee payment.  We are not able to determine if and what benefits are payable until an actual claim for services is received.  Benefit payment shall be subject to all deductible, copayment, coinsurance, exclusions and limitations, or any other provisions of the policy effective at the time of service.

Out-of-network providers may not accept payment of students' cost share (deductible and payment percentage) as payment in full and may therefore 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 the insurance company will resolve any payment dispute with the provider over that amount. Make sure your member ID number is on the bill.

Well newborn nursery care in a hospital or birthing center is covered for insured mothers. The per admission copayment amount and/or policy year deductible for newborns will be waived for nursery charges for the duration of the newborn’s initial routine facility stay. The nursery charges waiver will not apply for non-routine facility stays.

If you have a leave of absence approved by your academic program office within the first 30 days of your insurance coverage period, the insurance is not offered, and the charge for your student health insurance coverage for the semester/term will be reversed. If your approved leave of absence is in the middle of a semester/term, the policy will remain in effect until the end of said semester/term.  For the following semester, if you are not registered, you are not eligible for student insurance provided by the university.

Yes. You may have Student Health Insurance Plan as well as your own personal health insurance plan. However, you must conduct a Coordination of Benefits. 

Coordination of Benefits is a way to figure out who pays first when 2 or more health insurance plans are responsible for paying the same medical claim.

You will need to contact both the NSU Student Health Insurance Provider and well as your personal insurance provider and ask to conduct a Coordination of Benefits.

No, you are not able to opt out of the Student Health Insurance Plan after the waiver deadline. You may only complete a waiver and opt out for the upcoming semester prior to the waiver deadline for your program. Once your current coverage period ends, you can enroll into your employer’s insurance plan through a process called "Qualifying Life Event" within 30 days within losing insurance coverage. You may complete a waiver for the next semester. Please contact your human resources representative or benefits coordinator for further details.

Waiver Information

In order to access the waiver, you must be registered and charged for student health. Log into NSU eBill  to monitor your student account. Please note the waiver can only be completed online.

You will need your insurance ID card, and your insurance coverage information. 

  1. Click on Waiving Your NSU Student Health Insurance
  3. Log in using NSU Sharklink ID (ex: bb100) and password. 
  4. Proceed to answer all the questions and input the required information.
  5. Make sure to complete the entire waiver application until it has been submitted.
  6. Once submitted an Approval or Denial will automatically appear on the screen.
  7. An approved waiver is valid for one academic year, not calendar year.
Waivers must be completed by your program's deadline . If you miss the deadline you will remain enrolled in the Student Health Insurance Plan for the full semester/term, and you will be responsible for payment. You will have another opportunity to opt out for the next semester/term by the next waiver deadline.

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 your current health insurance doesn't meet all six waiver criteria, your waiver request will be denied. However, if you believe your insurance does meet the criteria, you can appeal the decision.

To appeal, you need to act quickly. Contact us within 72 hours of your waiver denial by sending an email to with the following information:

  • Student Name
  • Date Of Birth
  • NSU ID Number (N number)
  • NSU Student Email Address
  • A Copy Of The Front and Back Of Your Insurance Card
Remember, you must submit your appeal before your program’s waiver deadline. If the deadline has passed, your waiver will remain denied.

If you've had a qualifying life event (like losing coverage involuntarily) and want to enroll in the NSU Student Health Insurance Plan after your waiver has been approved, you have 30 days to do so within your academic year.

To enroll, email with the following information:

  • A copy of your Letter of Termination (Obtained from your previous insurance provider)
  • Student Name Date of Birth
  • NSU ID number (N number)
  • NSU Student Email Address
  • Contact Number
  • Home Address
An insurance representative will then contact you via email to complete the enrollment process. After enrollment, you'll be covered for the remainder of your program's academic year.

International Students

  • If you are a NSU international student in the attending courses in the United States., NSU requires you to maintain medical health insurance coverage. Therefore, when you register for classes, you will automatically be enrolled in the Student Health Insurance Plan, and your student account will be charged accordingly. Log into NSU eBill  to monitor your student account. The Student Health Insurance Plan meets the Visa requirements. Travel medical insurance, such as International Health & Travel Medical Insurance (IMG), does not meet the waiver criteria.


  •  If you are an international student who physically resides in a country other than the United States and will remain there while enrolled, you may be exempt from the university's insurance requirement. However, you must complete the online waiver application before your program's deadline. If the online waiver application is not completed before the program's deadline, the insurance fee will remain on the account.

Reaching out to UnitedHealthcare Global connects you to:

  • Experienced crisis management professionals
  • A global network of over 41,000 pre-qualified medical providers
  • A state-of-the-art Emergency Response Center with worldwide response capabilities


1-877-461-2273 (US)

1-410-453-6330 (Outside US)

Use Reference ID #355751

All assistance services must be arranged and provided by UnitedHealthcare Global.

When you receive treatment outside of the United States:

Most providers outside the United States will not file a medical claim for you. If that's the case, you'll need to pay the provider in full for your treatment and then file a claim with United Healthcare Student Health Insurance. 

What you will need to do:

Get an itemized medical bill from the provider -- in English, if possible -- before you leave the country you are in.

Contact Us

NSU Student Health Insurance - for questions regarding charges and waivers
Mon - Fri 8:30 a.m. - 5:00 p.m.
(954) 262-4060

United Healthcare Student Resources - for questions regarding insurance ID cards, benefits, claims, coverage, health discounts, finding a provider, and any insurance-related concerns

NSU Health Care Clinics
(954) 678-2273
Visit NSU Health
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