Read This Before Waiving
- To waive you must first receive an email about us charging your account for insurance.
- When completing the waiver, you must answer all questions regarding your current insurance policy and agree(yes) to each one.
- If you do not, your waiver will be denied.
- The waiver site is secure and has a time limit, so be sure to have all your insurance information ready before you begin.
The fall 2025 waiver is now open and must be completed online. The waiver deadline is Tuesday, Sept. 30, 2025.
2025-26 Academic Year
The NIU student health insurance plan is through UHCSR and is a PPO.
If you have any questions, please contact us at 815-753-0122, studentinsurance@niu.edu.
| Benefits |
2025-26 Academic Year |
| Per Semester cost |
$1,378 |
| Fall effective dates |
Aug. 1, 2025 - Dec. 31, 2025 |
| Spring/summer effective dates |
Jan. 1, 2026 - July 31, 2026 |
| Annual deductible |
$500 (in-network) |
| Doctor's office copay |
$10 (annual deductible does not apply) |
| Co-insurance |
70/30 |
| Dependent coverage |
$1,378 (one child) $2,756 (two or more children) |
| Pharmacy Benefits |
| Generic |
$20 |
| Brand |
$50-$75 |
| Most birth control |
100% coverage |