Student Health Insurance

The NIU student health insurance plan is through Aetna and is a PPO.

Effective August 1, 2018, the following changes will take effect with the Student Insurance plan. Coverage for services provided at NIU Health Services will stay the same.

Do You Want the NIU Student Insurance?

Note: the waiver/enrollment form will not be available until 48 hours after you enroll in classes


  • Login using your ZID (include the "Z" ex. Z17… or Z18…) and the password is your birthdate
    • Note: do not use the drop-down calendar
  • The last day to enroll in the insurance is Monday, January 28, 2019.
  • Your Aetna insurance card will be available to you within 72 hours or on the first day of coverage.
  • You will have the option to purchase the Aetna Vital Savings Dental Discount card


  • Login with your ZID (include the "Z" ex. Z17… or Z18…), and the password is your birthdate
  • Complete the online waiver form.
    • You will receive a confirmation that you submitted a waiver
  • The last day to waive in the insurance is Monday January 28, 2019.

Please note that if you do not waive or enroll in the NIU Plan and are taking at least nine on-campus hours, you will be automatically enrolled in the plan and the premium will be billed to your tuition account.

If you have any questions, please contact us at 815-753-0122, or visit our office in the Health Services Building, room 101.

Benefits 2018-19 School Year
Semester Cost $1179
Annual Deductible $500
Doctor's Office Copay $10 (annual deductible does not apply)
Co-insurance 70/30
Dependent Coverage No

Benefits 2018-19 School Year
Generic $20
Brand $50
Specialty Brand $75
High Cost Drugs 20% co-insurance with a min cost of $100 and a max cost of $200
Most Birth Control 100% coverage

If you have any questions, please contact us at 815-753-0122, or visit our office in the Health Services Building, room 101.

Dependent Coverage

Dependent coverage for spouses, domestic partners and children is not available. Our Student Health Insurance office provides individualized support for finding dependent coverage. Call 815-753-0122 or email

To find coverage for dependents, visit the Get Covered Illinois website or contact the DeKalb County Health Department’s Healthcare Enrollment Assistance Program at 815-748-2498 or email

Delta Dental and Vision Insurance

As of Oct. 1 2018, NIU has partnered with Delta Insurance to provided dental and vision coverage to NIU students. Learn more about coverage options. Enrollment is now open until Nov. 16, 2018. NIU does not receive any remuneration nor does it guarantee the plan and/or program. Delta Insurance is available directly to students of NIU

What are premiums, deductibles, coinsurance and copays?


Contact Us

Student Health Insurance Office
Health Services Building, room 101
Phone: 815-753-0122
Fax: 815-753-0965

8 a.m.-4:30 p.m.