Graduate and Professional Student Health Insurance
Student health insurance is an optional benefit for all non-international graduate and professional students and is purchased through the Graduate and Professional Center at the current health fee. Benefits are provided by United Healthcare and customer support is provided through Gallagher Student. Graduate and professional students go through Gallagher Student to find a doctor and receive services through a PPO physician in their area, or they can opt in to receive services at the APU Health Center by completing the APU Health Center Coverage Application and paying an additional health services fee.
International students receive services through the APU Student Health Center.
Graduate and professional student health insurance is:
- Mandatory for international students on APU I-20s or DS 2019. (International students do not need to submit a digital request form because they have been automatically signed up for APU health insurance).
- Optional for all other graduate and professional students.
Enrolling in Graduate and Professional Student Health Insurance
Graduate and professional students must enroll for health insurance through the Graduate and Professional Center and cannot enroll directly with Gallagher Student or United Healthcare.
Open enrollment for student health insurance is the same as the open enrollment activity period for the student’s graduate or professional courses.
It must be renewed in both the fall and spring terms, which means graduate and professional students must submit a new request for health insurance in both the fall and spring in order to have continuous coverage.
The current health fee will appear as a charge on the student’s account, which can be viewed at home.apu.edu.
How to Sign Up
Complete the Graduate and Professional Health Insurance Request Form online.
Graduate and professional students with questions about enrolling in student health insurance or the current health fee should contact the Graduate and Professional Center at (626) 815-4570.
Eligibility and Coverage Period
Graduate and professional students must be enrolled at least part-time according to their program of admittance during the session for which they want insurance. Graduate and professional students who drop below part-time status will forfeit their health insurance for that session.
Specific coverage dates are year specific and will be published prior to each fall and spring. For 2015–2016, the fall policy covers the period of time from Aug. 15 2015–Jan. 10, 2016. The spring policy covers the period of time from Jan. 11, 2016–Aug. 14, 2016.
The Risk Management Office is the primary liaison with the insurance carrier, and provides the roster of graduate and professional students who have enrolled in student health insurance. Students may begin using their health insurance benefit on the coverage start date listed above. If a student must use their benefit before the insurance carrier receives the roster, then it is up to the student to contact Gallagher Student and ask them to either hold the claim or arrange for reimbursement since the coverage will be backdated to the start of the term.
Graduate and professional students with questions about eligibility, coverage period, requests for exceptions to health insurance deadlines, or cancellations should contact:Risk Management
The following is a general overview of the basic coverage that student health insurance provides:
- In-network office visits are covered at 100 percent of preferred allowance after a $25 copayment.
- There is a $150 deductible for preferred providers. The deductible is $300 for out-of-network providers.
- Covered medical expenses for preferred providers are payable at 80 percent of preferred allowance (student pays 20 percent), and out-of-network benefits are payable at 60 percent of usual and customary charges (student pays 40 percent).
- Prescription benefits include partial coverage of both preferred and out-of-network pharmacies.
- The preventative services benefit includes annual physicals, OB/GYN exams, routine screenings, and immunizations covered at 100 percent with no copayment or deductible through preferred providers only.
Contact Gallagher Student for a plan brochure with details about coverage, limitations, and exclusions.
Upon enrolling, graduate and professional students should establish a regular system of care with a PPO physician in their area, or at the APU Health Center if students opt in to use the center’s services. Gallagher Student provides direct customer service with many resources and representatives available online or by phone. As a final confirmation of enrollment, students will receive a policy brochure and membership card mailed to them.
Gallagher Student Online Services
- Benefits and Plan Information
- Find a Doctor
- My Account
- Claims Company
- 24-hour Nurse Advice for Insured Students
- Dependent Enroll
- Pharmacy Program
- Get an ID Card
Note: Graduate and professional students must sign up for health insurance through the Graduate and Professional Center; direct enrollment with Gallagher Student is only available for dependents or dental coverage.
Graduate and professional students with questions regarding coverage benefits, membership cards, finding a doctor, deductibles, processing a claim, enrolling dependents, dental insurance, and all other coverage-related questions should contact:
Any insured student can request supplemental dental coverage. Enrollment and payment for dental insurance is completed through Gallagher Student.
Any insured student can request to insure his/her spouse or dependents. Enrollment and payment for dependent insurance is completed through Gallagher Student.
International Student Health Insurance
All full-time international students holding an immigration document from Azusa Pacific University (I-20 or DS 2019) are required to purchase APU international health insurance.* This policy meets the U.S. government requirement for health insurance for international students.
Graduate and professional international students receive health services through the Student Health Center on the Azusa campus.
Note: International students do not need to sign up for health insurance through the Health Insurance Request Form, as they are automatically signed up by APU’s International Center.
*This rule does not apply for those studying in a non-standard term graduate program (i.e., intensive graduate programs—D.Min., Ed.D., TESOL). These students are required to have health insurance to study in the U.S. and are responsible for purchasing appropriate coverage prior to arrival in the U.S. If the individual wishes to purchase APU international health insurance, it is only available in six-month minimum increments.