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Out of State HMO's

Nearly all HMO policies that are NOT from Illinois will NOT meet Northwestern University's coverage requirements to waive the NU-SHIP since they do not cover routine/non-emergency care outside your home state. The premise of HMO's is to cut costs to patients/insurance members by limiting networks to either one medical group or a specific geographic region. If you live outside the state of Illinois, and have an HMO policy, there is very little chance your insurance will meet the University's requirement that your student has access to routine/non-emergency care in the Chicago/Evanston area.

However, you can confirm the following way:

  1. Reach out to your insurance provider by contacting the customer/member service number on the back of your ID card.
  2. Check to see if there are in-network providers in Chicago and Evanston, IL
  3. If there are none you can also check with your insurance provider about any provisions in your policy that may allow for a "guest network". These add-ons are referred to as "riders" in the health insurance industry. If a rider is available, and your student can gain access to in-network benefits in Evanston/Chicago, please contact us directly.