Visiting Scholar Plan

All J-1 and B1/WB visiting scholars are required to have health insurance throughout the duration of the research appointment at Northwestern University, either through Gallagher Benefit Services (GBS) or an alternative insurer that meets or exceeds minimum requirements.
Effective January 1, 2023, the Northwestern University Visiting Scholar Plan (VSP) will be offered by Cigna StudyWell/Cigna Global Health Benefits and administered by Gallagher Benefit Services (GBS).
Participation in the Northwestern’s Visiting Scholar Plan (VSP) is mandatory unless visiting scholars are able to provide evidence of coverage that meets the University’s minimum requirements, and a waiver is filed and approved with Gallagher Benefit Services.
It is the responsibility of the host department to ensure visitors are adequately insured.

Summary of Benefits

Summary of Benefits for the Visiting Scholar Plan
	NU Health Service (Evanston Only)	U.S. In-Network	U.S. Out-of-Network
Rates	Individual Coverage: $7.55 per day Family Coverage: $23.90 per day Dependents are not eligible to use NU Health Services.
Calendar Year Deductible Per Individual	$0 deductible	$250	$250
Calendar Year Deductible Per Family	$0 deductible	$500	$500
Coinsurance (The percentage of coverage expenses the plan pays)	$20 copay, then 0% of costs	80% (after deductible is met)	80% (after deductible is met)
Out-of-Pocket Maximum (Excludes Deductible) Per Individual	Not applicable	$1,000	$20,000
Out-of-Pocket Maximum (Excludes Deductible) Per Family	Not applicable	$2,000	$40,000