{"id":1690,"date":"2023-03-10T22:40:22","date_gmt":"2023-03-10T22:40:22","guid":{"rendered":"https:\/\/stagewp.westernu.edu\/registrar\/?page_id=1690"},"modified":"2025-06-05T23:45:17","modified_gmt":"2025-06-05T23:45:17","slug":"student-health-insurance","status":"publish","type":"page","link":"https:\/\/www.westernu.edu\/registrar\/student-health-insurance\/","title":{"rendered":"Student Health Insurance"},"content":{"rendered":"<section class=\"hero-secondary\">\n  <div class=\"relative bg-black\">\n                <img decoding=\"async\" class=\"adhere object-cover\" src=\"\/media\/registrar\/images\/09.jpg\" srcset=\"\" sizes=\"100vw\" alt=\"WesternU Anderson Tower at night with lighted sign.\">\n      <div class=\"adhere gradient-overlay\"><\/div>\n        <div class=\"relative container pt-56 md:pt-112 pb-144 md:pb-192\">\n      <div class=\"md:flex md:justify-between px-12\">\n        <div class=\"sm:w-8\/12 md:w-6\/12 xl:w-5\/12 px-12\">\n                      <div class=\"mb-20\">\n              <div class=\"block font-sans font-bold text-14 text-white leading-130\">\n  <span class=\"inline-block\">\n    <a href=\"\/\" class=\"block hover:underline\">WesternU<\/a>\n  <\/span>\n      <span class=\"inline-block mx-6\">\/<\/span>\n          <a href=\"https:\/\/www.westernu.edu\/registrar\" class=\"inline-block hover:underline\">Registrar<\/a>\n          <span class=\"inline-block mx-6\">\/<\/span>\n    <span class=\"inline-block\"><\/span>\n  <\/div>            <\/div>\n                                        <h1 class=\"t-h1-sans  text-white\"><\/h1>\n        <\/div>\n              <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n<section class=\"relative my-48 md:my-72\">\n  <div class=\"container\">\n    <div class=\"lg:flex px-12 lg:justify-start\">\n              <div class=\"w-full lg:w-5\/12 2xl:w-4\/12 -mt-80 md:-mt-112 mb-48 px-12 lg:pr-32\">\n                              <nav class=\"py-28 px-40 2xl:px-64 rounded-5 md:rounded-8 bg-gray-darker text-white mb-40\">\n            <ul>\n                                              <li class=\"block my-8\">\n                  <a class=\"text-22 font-normal leading-130 tracking-20 text-white hover:text-yellow transition-default\" href=\"https:\/\/www.westernu.edu\/registrar\/student-health-insurance\/\" target=\"_self\" rel=\"noopener\">Student Health Insurance<\/a>\n                <\/li>\n                                              <li class=\"block my-8\">\n                  <a class=\"text-22 font-normal leading-130 tracking-20 text-white hover:text-yellow transition-default\" href=\"https:\/\/www.westernu.edu\/registrar\/student-health-insurance\/enrollments-premiums\/\" target=\"_self\" rel=\"noopener\">Insurance Plan Enrollment\/Premiums<\/a>\n                <\/li>\n                                              <li class=\"block my-8\">\n                  <a class=\"text-22 font-normal leading-130 tracking-20 text-white hover:text-yellow transition-default\" href=\"https:\/\/www.westernu.edu\/registrar\/student-health-insurance\/waiver-requirements\/\" target=\"_self\" rel=\"noopener\">Insurance Plan Waiver Requirements<\/a>\n                <\/li>\n                                              <li class=\"block my-8\">\n                  <a class=\"text-22 font-normal leading-130 tracking-20 text-white hover:text-yellow transition-default\" href=\"https:\/\/www.westernu.edu\/registrar\/student-health-insurance\/waiver-process-deadlines\/\" target=\"_self\" rel=\"noopener\">Insurance Waiver Process\/Deadlines<\/a>\n                <\/li>\n                                              <li class=\"block my-8\">\n                  <a class=\"text-22 font-normal leading-130 tracking-20 text-white hover:text-yellow transition-default\" href=\"https:\/\/www.westernu.edu\/registrar\/student-health-insurance\/frequently-asked-questions\/\" target=\"_self\" rel=\"noopener\">Frequently Asked Questions<\/a>\n                <\/li>\n                          <\/ul>\n          <\/nav>\n                            <\/div>\n      \n      \n                  \n                  \n      <div class=\"w-full px-24 wysiwyg-content lg:w-7\/12 2xl:w-7\/12\">\n        <h2><strong>Student Health Insurance Requirements, 2025\/2026 Academic Year<\/strong><\/h2>\n<h2>Insurance Requirements<\/h2>\n<h4>Mandatory Coverage<\/h4>\n<p>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.<\/p>\n<p>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\u2019s comprehensive health insurance requirement. However, all WesternU students may enroll in the student health insurance plan, regardless of their exemption status.<\/p>\n<p>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,\u00a0<a href=\"https:\/\/www.healthcare.gov\/glossary\" target=\"_blank\" rel=\"noopener\">HealthCare.gov<\/a>\u00a0provides a glossary of health insurance terms that may be helpful as you review and compare your insurance options.<\/p>\n<h4>Automatic Fee Assessment<\/h4>\n<p>All full-time WesternU students will automatically be assessed the fall 2025 premium for the student health insurance plan during fall 2025 registration. The fall 2025 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 2025 premium, and your student account will automatically be assessed the applicable spring 2026 premium during registration for the spring 2026 term.<\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n<div class=\"my-48 md:mt-96 md:mb-72\" vue-app>\n  <div class=\"container\">\n\n        <div class=\"flex flex-wrap md:justify-center md:items-center lg:px-112\">\n      <div class=\"w-full md:w-6\/12 pl-12 pr-20\">\n        <div class=\"rounded-5 md:rounded-8 bg-yellow\">\n          <div class=\"relative w-full h-256 sm:h-320 md:h-440 rounded-5 md:rounded-8 transform -translate-y-10 translate-x-8 md:-translate-y-18 md:translate-x-16 overflow-hidden\">\n\n                                      <img decoding=\"async\" class=\"adhere object-cover\" src=\"\/media\/registrar\/images\/comp-honors-day-2013-566121-223.jpg\" srcset=\"\" sizes=\"(min-width: 768px) 50vw, 100vw\" alt=\"A large group of medical students in white coats stand and applaud in a lecture hall.\">\n                                                    <app-modal-button modal-id=\"callout-video-left-1406951020\" class=\"adhere flex justify-center items-center group\" data-ga-category=\"video\" data-ga-label=\"embed\">\n                <span class=\"sr-only\">Open video modal<\/span>\n                <span class=\"block w-80 h-80 p-20 bg-red-light group-hover:bg-red text-white rounded-full transition-default\">\n                  <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" preserveAspectRatio=\"xMidYMid meet\" viewBox=\"0 0 24 24\"><path d=\"M8 5v14l11-7z\" fill=\"currentColor\"><\/path><\/svg>\n                <\/span>\n              <\/app-modal-button>\n            \n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"md:w-6\/12 mt-40 md:mt-0 px-12 md:pb-40 md:pl-40 xl:pl-80\">\n                  \t\t\t\t\n<div class=\"text-lockup text-lockup--default\">\n\t<h2>\n\t\t\t\t\t<span class=\"t-h2-serif  block text-red-light\">Student Health Insurance <\/span>\n\t\t\t\t\t\t\t<span class=\"t-h2-sans  block text-red\">Forum 25-26 AY<\/span>\n\t\t\t<\/h2>\n\t\t\t<div class=\"wysiwyg-content t-p2 mt-24 text-black\">The following video is a recording from the 25-26 AY Student Health Insurance forum. If you have any questions that are not addressed in the recording, please reach out to the Office of the Registrar. The 26-27 AY Student Health Insurance forum recording will be available in June 2026.<\/div>\n\t\t\t\t\t\t<div class=\"mt-28\">\n\t\t\t<a class=\"cta-arrow cta-arrow--red \" href=\"mailto:registrar@westernu.edu\">\n    registrar@westernu.edu<svg class=\"cta-arrow__icon d-block w-16 ml-12\" viewBox=\"0 0 20 16\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><polygon fill=\"currentColor\" points=\"11.3168217 0 9.27266614 2.39591605 14.0042587 6.6137266 8.92524936 6.42314237 0 6.42314237 0 9.57685763 8.92524936 9.57685763 14.0042587 9.3862734 9.19197579 13.6063528 11.3168217 16 20 8\"><\/polygon><\/svg>\n<\/a>\n\t\t<\/div>\n\t\t\t<\/div>\n              <\/div>\n    <\/div>\n\n    \n  <\/div>\n<\/div>\n\n  <transition-modal vue-app>\n  <app-modal modal-id=\"callout-video-left-1406951020\">\n    <div class=\"container md:px-24 my-auto\">\n      <div class=\"relative bg-black\">\n        <app-modal-button modal-id=\"callout-video-left-1406951020\" class=\"absolute top-0 right-0 z-1 w-48 h-48 flex justify-center items-center bg-red-light hover:bg-red text-white text-32 leading-0 transition-colors duration-3 ease-linear focus:shadow-focus focus:outline-none\">\n          <span class=\"sr-only\">Close Modal<\/span>\n          <svg class=\"w-24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 22.138 19\" aria-hidden=\"true\"><path d=\"M12.483,9.5l9.655,8.286L20.724,19l-9.655-8.286L1.414,19,0,17.786,9.655,9.5,0,1.214,1.414,0l9.655,8.286L20.724,0l1.414,1.214Z\" fill-rule=\"evenodd\" fill=\"currentColor\"\/><\/svg>\n        <\/app-modal-button>\n        <div class=\"embed-container\">\n                      <iframe title=\"Student Health Insurance Forum 25-26 AY\" src=\"https:\/\/player.vimeo.com\/video\/1091045317?dnt=1&amp;app_id=122963\" width=\"640\" height=\"360\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write; encrypted-media; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\"><\/iframe>\n                  <\/div>\n      <\/div>\n    <\/div>\n  <\/app-modal>\n<\/transition-modal>\n\n<section class=\"relative my-48 md:my-72\">\n  <div class=\"container\">\n    <div class=\"lg:flex px-12 lg:justify-center\">\n      \n      \n                  \n                  \n      <div class=\"w-full px-24 wysiwyg-content xl:w-10\/12 2xl:w-9\/12\">\n        <h3 class=\"panel-title bootstrap-accordion-title\">Student Health Insurance Plan Coverage Information<\/h3>\n<p>The student health insurance plan for the 2025\/2026 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 <u><a href=\"https:\/\/app.hsac.com\/westernu\" target=\"_blank\" rel=\"noopener\">Health Sciences Assurance Consulting<\/a><\/u> (HSAC) website.<\/p>\n<p>Plan details include:<\/p>\n<table class=\"table-styled\">\n<thead>\n<tr>\n<th><\/th>\n<th><strong>Preferred Provider Organization (PPO)<\/strong><\/th>\n<th><strong>Non-Preferred Provider Organization (Non-PPO)<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Deductible<\/strong><\/td>\n<td>$250.00<\/td>\n<td>$500.00<\/td>\n<\/tr>\n<tr>\n<td><strong>Co-Insurance<\/strong><\/td>\n<td>80%<\/td>\n<td>60%<\/td>\n<\/tr>\n<tr>\n<td><strong>Out of Pocket Maximum (Individual)<\/strong><\/td>\n<td>$6,350.00<\/td>\n<td>$10,000.00<\/td>\n<\/tr>\n<tr>\n<td><strong>Out of Pocket Maximum (Family)<\/strong><\/td>\n<td>$12,700.00<\/td>\n<td>$20,000.00<\/td>\n<\/tr>\n<tr>\n<td><strong>Office Visit<\/strong><\/td>\n<td>$20.00 Co-payment, 100%<\/td>\n<td>$20.00 Co-payment, 60%<\/td>\n<\/tr>\n<tr>\n<td><strong>Urgent Care Visit<\/strong><\/td>\n<td>$20.00 Co-payment, 100%<\/td>\n<td>$20.00 Co-payment, 60%<\/td>\n<\/tr>\n<tr>\n<td><strong>Emergency Room Visit<\/strong><\/td>\n<td>$350.00 Co-payment (Waived if Admitted)<\/td>\n<td>$350.00 Co-payment (Waived if Admitted)<\/td>\n<\/tr>\n<tr>\n<td><strong>Prescription Drugs<\/strong><\/td>\n<td>$25.00\/$50.00\/$75.00\/$100.00 Specialty Tier<\/td>\n<td>$25.00\/$50.00\/$75.00\/$100.00 Specialty Tier<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n\n\n\n\n\n<section class=\"relative my-48 md:my-72\" vue-app>\n  <div class=\"container\">\n        <app-accordion class=\"px-24 lg:w-4\/5 mx-auto\">\n              <app-accordion-item class=\"accordion-group block leading-1 opt-1\" content-class=\"accordion-group__panel wysiwyg-content\">\n          <template #accordion-trigger=\"{ href, visible, setRef, clickHandler }\">\n            <a :href=\"'#' + href\" \n              :ref=\"setRef\"\n              :class=\"['accordion-group__button scroll-mt-160', {'accordion__trigger_active': visible}]\"\n              @click.stop.prevent=\"clickHandler\"\n            >\n            <span class=\"block py-10\">\n              Involuntary Loss of Coverage\/Age-Outs\n            <\/span>\n            <span class=\"accordion-group-icon relative flex w-56 h-56 ml-20 justify-center items-center bg-black rounded-full flex-shrink-0\">\n                            <span class=\"w-16 icon-chevron-down\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><!--!Font Awesome Free 6.6.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free Copyright 2024 Fonticons, Inc.--><path d=\"M233.4 406.6c12.5 12.5 32.8 12.5 45.3 0l192-192c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L256 338.7 86.6 169.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l192 192z\"\/><\/svg>\n              <\/span>\n              <span class=\"w-16 icon-chevron-up\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><!--!Font Awesome Free 6.6.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free Copyright 2024 Fonticons, Inc.--><path d=\"M233.4 105.4c12.5-12.5 32.8-12.5 45.3 0l192 192c12.5 12.5 12.5 32.8 0 45.3s-32.8 12.5-45.3 0L256 173.3 86.6 342.6c-12.5 12.5-32.8 12.5-45.3 0s-12.5-32.8 0-45.3l192-192z\"\/><\/svg>\n              <\/span>\n                          <\/span>\n            <\/a>\n          <\/template>\n          <template #accordion-content>\n            <p>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\u2019 insurance plan, you can also enroll via the\u00a0<a href=\"https:\/\/app.hsac.com\/westernu\" target=\"_blank\" rel=\"noopener noreferrer\">Health Sciences Assurance Consulting<\/a>\u00a0website.<\/p>\n<p>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.<\/p>\n<p><strong>Students have 14 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.<\/strong><\/p>\n\n          <\/template>\n        <\/app-accordion-item>\n          <\/app-accordion>\n  <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":129,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-1690","page","type-page","status-publish","hentry"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.westernu.edu\/registrar\/wp-json\/wp\/v2\/pages\/1690","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.westernu.edu\/registrar\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.westernu.edu\/registrar\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.westernu.edu\/registrar\/wp-json\/wp\/v2\/users\/129"}],"replies":[{"embeddable":true,"href":"https:\/\/www.westernu.edu\/registrar\/wp-json\/wp\/v2\/comments?post=1690"}],"version-history":[{"count":20,"href":"https:\/\/www.westernu.edu\/registrar\/wp-json\/wp\/v2\/pages\/1690\/revisions"}],"predecessor-version":[{"id":2787,"href":"https:\/\/www.westernu.edu\/registrar\/wp-json\/wp\/v2\/pages\/1690\/revisions\/2787"}],"wp:attachment":[{"href":"https:\/\/www.westernu.edu\/registrar\/wp-json\/wp\/v2\/media?parent=1690"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}