Student Health Insurance Requirements, 2023/2024 Academic Year
Maintaining comprehensive health insurance coverage is mandatory for all full-time WesternU students, and all students MUST be covered by an ACA compliant domestic health insurance plan for the entire academic year, including summer and holidays. All full-time WesternU students are required to enroll in the Student Health Insurance Plan unless an acceptable Waiver is provided by the designated deadline.
Part-time WesternU students, those enrolled in programs where the entire curriculum is delivered online and students only enrolled in thesis/dissertation continuous registration courses are exempt from the University’s comprehensive health insurance requirement. However, all WesternU students may enroll in the student health insurance plan, regardless of their exemption status.
There are many insurance options available in the marketplace today. We encourage you to research your health insurance options thoroughly prior to making a final decision. For those of you unfamiliar with insurance terminology, HealthCare.gov provides a glossary of health insurance terms that may be helpful as you review and compare your insurance options.
Automatic Fee Assessment
All full-time WesternU students will automatically be assessed the fall 2023 premium for the student health insurance plan during fall 2023 registration. The fall 2023 premium charge will only be reversed upon receipt of an acceptable waiver by the posted waiver deadline. If an acceptable waiver is not received by the posted waiver deadline, your enrollment in the student health insurance plan will be finalized, you will no longer be eligible for a refund of the fall 2023 premium, and your student account will automatically be assessed the applicable spring 2024 premium during registration for the spring 2024 term.
Student Health Insurance Plan Coverage Information
The student health insurance plan for the 2023/2024 academic year is offered through Aetna Student Health and administered by Health Sciences Assurance Consulting (HSAC). Additional information on the benefits offered under the student health insurance plan, can also be found on the Health Sciences Assurance Consulting (HSAC) website.
Plan details include:
|Preferred Provider Organization (PPO)||Non-Preferred Provider Organization (Non-PPO)|
|Out of Pocket Maximum (Individual)||$6,350.00||$10,000.00|
|Out of Pocket Maximum (Family)||$12,700.00||$20,000.00|
|Office Visit||$20.00 Co-payment, 100%||$20.00 Co-payment, 60%|
|Urgent Care Visit||$20.00 Co-payment, 100%||$20.00 Co-payment, 60%|
|Emergency Room Visit||$200.00 Co-payment (Waived if Admitted)||$200.00 Co-payment (Waived if Admitted)|
If you originally waived out of the student health insurance plan but find that you need health insurance coverage later in the year due to an involuntary loss of coverage or if you have aged out of your parents’ insurance plan, you can also enroll via the Health Sciences Assurance Consulting website.
Students enrolling after the initial enrollment period due to an involuntary loss of coverage will be assessed a prorated portion of the insurance premium based on their dates of enrollment. This premium must be paid within two (2) weeks of the charge date. Failure to pay by the posted two (2) week period will result in a $50 monthly late fee and a hold will be placed on your student account.
Students have 30 calendar days after an involuntary loss of coverage to enroll in the student health insurance plan or submit updated proof of coverage. Students must maintain continuous enrollment in health insurance. If you are submitting new proof of coverage, it must begin within 24 hours of the termination of your previous coverage. You are not eligible to waive if you have any gap in coverage.