Summary of Coverage 2018-2019

The Northwestern University Student Health Insurance Plan (NU-SHIP) complies with all Patient Protection and Affordable Care Act (ACA) requirements for student health insurance plans. There are no exclusions for pre-existing conditions for this plan.

The plan year runs September 1–August 31. Annual benefits apply to services received during this period of time.

NU-SHIP: What's Covered at a Glance

Type Description Preferred Care (In-Network Provider) Non-Preferred Care (Out-of-Network Provider)
Plan Deductible Amount you pay for medical costs, before NU-SHIP begins to pay for covered services. $ 250 $ 500
Annual Out-of-Pocket Limit Amount you pay out of pocket before NU-SHIP pays 100% for covered health benefits, subject to any benefit maximums or limits that may apply. (Applicable co-pays and deductibles will be applied to out-of-pocket maximum.) $ 1,800 (individual) / $3,600 (family) None (you are encouraged to use only in-network providers)
Co-insurance The percentage of covered medical expenses that you are responsible for. see below see below
Co-payment Specified dollar amount you pay for certain covered medical expenses. see below see below
Inpatient/Outpatient Medical Expenses See Plan Guide for details 80% of negotiated charge 60% of negotiated charge
Physician Office Visit Note: $50 penalty incurred without referral from NUHS 80% of negotiated charge After $20 co-pay per visit, 60% of recognized charge
Outpatient Mental Health After $20 co-pay per visit, 100% of negotiated charge After $20 co-pay per visit, 100% of recognized charge
Emergency Room $100 co-pay (waived if admitted) then, 80% of negotiated charge 80% of recognized charge
Prescription Drugs

Each prescription fill:
$10 co-pay – generic
$30 co-pay – brand

$60 co-pay - non-formulary

Deductible per supply of 50% of recognized charge
Routine Physical Exam Includes routine vision and hearing screenings given as part of the routine physical exam 100% of negotiated charge After $20 deductible per visit, 60% of recognized charge

To find an Aetna Student Health Preferred provider, click here.

For detailed coverage info, or to download the 2017-2018 NU-SHIP Plan Design & Benefits Summary, click here.

Annual Enrollment

  • Eligible students are enrolled every year in the NU-SHIP.
  • Students who do not confirm or waive enrollment during the enrollment period remain enrolled in the NU-SHIP for the entire plan year, and are billed accordingly.
  • NU-SHIP coverage also is available to dependent spouses and children.

Additional Benefits

Students enrolled in the NU-SHIP have access to the following benefits:

  • On Call International global emergency services, including medical consultation and evaluation, medical referrals, foreign hospital admission guarantee, prescription assistance, lost luggage assistance, legal and interpreter assistance, and travel information such as visa and passport requirements and travel advisories.
  • Medical evacuation and repatriation coverage (this benefit meets the requirements of the U.S. State Department for international students and dependents on the J-1/J-2 visa).
  • Access to Vital Savings for Dental® at a substantially reduced annual rate ($25). This program provides 10-30% discounts on selected services.
  • Discounts on Vision services, including eye exams and glasses/contact lenses.