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Health Insurance FAQs

Coverage and Cost Information

All NSU students (64 years of age and younger) who are registered for classes and reside within the continental U.S. are eligible to enroll in the NSU Student Health Insurance Plan. If you have Medicare, (you are entitled to benefits under Part A or enrolled in Part B or Premium Part A), you are not eligible for enrollment 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).

The NSU Student Health Insurance Plan for the 2019-2020 academic year costs $2,295, which includes a $70 administrative fee. Costs may vary for final-year students whose academic year extends beyond 12 months. The cost for programs with a 15-month long final academic year (May 1- July 31) is $2,867.  Plan documents and summaries of benefits are available on the Aetna Student Health website. Refer to 2019-2020 Waiver Deadlines, Charges, and Coverage Periods for a detailed breakdown of costs per semester/term for the 2019-2020 academic year. 

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 15 business days from then for Aetna's records to register you as an active member. If you need medical services during the processing period, you may submit a claim to be reimbursed by Aetna. Contact Aetna for further questions about reimbursement by calling 855-821-9720.

Per Aetna Student Health Insurance policies:

  • If you drop/withdraw from a semester/term before or within the first 31 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 31 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

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 via the Aetna student health insurance plan.

If you are a student who is 65 years of age or older who is not eligible for Medicare, you must provide proof that you are an international student in order to enroll into the NSU Student Health Insurance Plan.

Utilizing Your Insurance Coverage

Medical services rendered through a Tier I provider will be covered at 100% of the negotiated charge (plan deductible and copayments waived), subject to benefit limitations and exclusions as they relate to health care services. View your Aetna's Benefit Summary and Coverage Plan to locate a Tier I provider near you.   

If you are a student on the Ft. Lauderdale/Davie Campus, you must visit the Student Medical Center to obtain the necessary referral before receiving any medical care with a Tier II or Tier III provider.

For Tier II Providers within the Aetna Preferred Provider network visit Aetna's website.

  • 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

Yes, preventive care immunizations are covered at an in-network provider at 100% (of the negotiated charge) when you visit a Tier I provider.

 Medical services rendered through a Tier I provider will be covered at 100% of the negotiated charge (plan deductible and copayments waived), subject to benefit limitations and exclusions as they relate to health care services. View your Aetna's Benefit Summary and Coverage Plan to locate a Tier I provider near you.   

Yes. Mental health, behavioral health, or substance abuse services are provided, including stays in a residential treatment facility for treatment of mental disorders and substance abuse.



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 Student Medical Center's Needlestick page.

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.

The NSU Student Health Insurance Plan is designed to cover generic medications. If your prescriber indicates a name brand medication on a prescription ("DAW-2" - Dispense As Written) and there is a generic brand available, you will have to pay the applicable copay plus the cost difference between the brand and generic medication. Cost may verify depending on the medication. For additional information pertaining to your specific medication, please contact Aetna directly at 855-821-9720. 


Please follow the steps below:

To complete the health insurance waiver, you will need your NSU Sharklink ID and password, insurance ID card, and your insurance coverage information.

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

No, you are not able to opt out of the Aetna 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.

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

International Students

Yes! To ensure that no student has to decide between either continuing his/her education or paying a medical bill, NSU requires all students regardless of level, campus location, or modality to carry appropriate medical insurance.

Students who physically reside in a country other than the United States and who will remain there while enrolled are exempt from the university's requirement to carry student health insurance.


International students on 5-year visas currently receive an exemption from the ACA's individual mandate, which means they are not obligated to purchase expensive coverage that complies with the ACA. However, all NSU students are required to have the mandatory NSU Student Health Insurance Plan or comparable coverage.

U.S. federal regulations require J-1 students and dependents to buy health insurance. According to current regulations, J-1 students and their J-2 dependents must buy health insurance that provides:

  • medical benefits of at least $50,000 for each accident or illness
  • a deductible of $500 or less for each accident or illness
  • benefits for medical evacuation of at least $10,000
  • benefits for repatriation of remains of at least $7,500

In order to participate in a J-1 Exchange Visitor Program, students must continue this healthcare coverage throughout their stay in the U.S.

Contact “On Call International” any time, day or night, to speak with a coordinator who can refer you to a qualified medical professional in your travel location. In the U.S. or Canada, call 1-866-525-1956 (toll-free). From anywhere in the world call collect 1-603-328-1956. 

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 Aetna Student Health. 

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.

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