Health Insurance

Azusa Pacific University is excited to announce that the 2016-17 Student Health Insurance Plan (SHIP) will be provided by United Healthcare and will be offered for only $710 a semester. This price is far below that of any other plan in the marketplace that contains a similar benefit package. For more information about SHIP, visit gallagherstudent.com/apu.

APU requires all students to have health insurance coverage in order to minimize physical, mental, and financial strain that would result from an illness or related condition during the academic year. If you are already covered by a private health insurance policy, you may waive SHIP by following the procedure below. This needs to be done only once at the beginning of each academic school year or spring if entering APU as a freshman or as a transfer student.

We strongly encourage you to purchase SHIP if any of the following conditions apply:

  1. You do not have health insurance.
  2. You have a private health insurance plan with a large deductible.
  3. You live outside California and have a Medicaid plan associated with that state, as it is very difficult to obtain benefit coverage in California.
  4. You have an HMO with limited benefits.

All HMO, federal, and state-sponsored plans should provide coverage in the Southern California area within 120 miles of the Azusa campus while students are enrolled for classes. Those with Kaiser not based in Southern California should contact Kaiser to obtain a Southern California number.

You may begin attempting to waive SHIP May 15 by following the procedure below. If you have not waived it by June 2, the fee will appear on your student account. If you have not waived SHIP by September 9, you will be enrolled in the plan and can have the fee removed only if you submit a petition that is accepted. A petition may be submitted September 9-October 7. If you are beginning to study at APU during the spring or summer semesters, you may request a waiver in early December.

Undergraduate Students

For fall 2016, all undergraduate students enrolled in 7 or more units and all international students on APU I-20s or IAP-66s will be automatically enrolled in our Student Health Insurance Plan provided by United Healthcare, unless they waive the plan as mentioned above.

All undergraduate students are able to access the Student Health Center, even if they opted out of the Student Health Insurance Plan. Regardless of your primary insurance, there are no co-pays to see a provider at the Student Health Center, or to access all our low-cost services.

APU Student Health Insurance Plan Coverage

The Student Health Insurance Plan provided by United Healthcare offers comprehensive benefits that include preventative care services, physician office visits, consultation visits, labs and x-rays, prescription drugs, ambulance, emergency care, inpatient and outpatient mental health services, inpatient and outpatient surgical procedures, and hospital room and board.

Maximum benefit allowed per policy year is unlimited. Services provided by a Preferred Provider are generally covered at 80 percent, while services provided by an Out-of-Network Provider are generally covered at 60 percent. Some services such as lab, radiology, and physician visits may be covered at 100 percent with a $25 copay. Out of pocket maximum is only $2,000 and emergency room copays are $50. A deductible of $150/illness is waived if seen at the SHC.

Elective or preventative dental services and elective eye care are not covered, but a dental policy is available for purchase through Gallagher Student Health. See Dental Insurance for more information.

For a complete description of the benefits available, limitations, and exclusions of the APU Student Accident and Health Insurance Plan, visit gallagherstudent.com/apu or call Gallagher Student Health at (800) 406-4517.

Rates

Annual (8/15/16–8/14/17) $1,420
Fall (8/15/16–1/10/17) $710
Spring (1/11/17–8/14/17) $710

Student Health Insurance Waiver Criteria

Students who apply for a waiver must be covered under a private health insurance plan that meets the following standards for acceptable coverage:

  • Provide continuous coverage for the entire academic year (August 15, 2016–August 14, 2017).
  • Compliance with the Affordable Care Act.

How Do I Request a Waiver?

Step 1: Make sure your current plan will offer services close to campus with minimal cost for your student.

Step 2: Submit a waiver request at gallagherstudent.com/apu/. You can log in using your Azusa Pacific University email address as your name. Your password is your student ID number (nine digits; i.e. 001234567). Click on “Student Waive.” Select the red “I want to Waive” button. To waive the student insurance, you will need information found on your current health insurance ID card.

International students are not eligible to waive the Student Health Insurance Plan.

We encourage all students to carry a copy of their health insurance information.

Graduate and Professional Students

All graduate and professional students need to make the following two decisions:

  • Do you want to purchase the Student Health Insurance Policy (SHIP) through United Healthcare?
  • Do you want to obtain primary care services through the Student Health Center?

Graduate and Professional Student Health Insurance Plan

Health insurance is available to all graduate and professional students but it is not a condition of enrollment. A policy is offered by APU through United Healthcare and is the same one mentioned above that is offered to undergraduate students. Graduate and professional students must purchase the insurance each term for coverage to continue. Graduate and professional students can enroll by completing the Graduate and Professional Health Insurance Request Form. Graduate and professional international students on APU ID20 and DS 2019 do NOT need to submit a digital request form because health insurance is mandatory and international students are automatically signed up.

The following are some of the highlights of the Student Health Insurance Plan:

  • $710 a term
  • $2,000 out-of-pocket maximum
  • Office visit copay of $25
  • Services provided by a preferred provider are generally covered at 80 percent, while services provided by an out-of-network provider at generally covered at 60 percent.

Obtaining Services from the Student Health Center

Graduate and professional students may access the services provided by the Student Health Center if they opt in and pay the health fee of $120 per term. Purchasing the Student Health Insurance Policy alone does not permit use of the Student Health Center. You are, however, able to purchase access to the SHC even if you have a policy other than SHIP, or even no insurance at all. View a list of services provided at the SHC. To access services at the SHC, fill out and submit the Graduate and Professional Student Health Center Coverage Application online.

Why would you want to access services through the SHC?

  • You are usually able to obtain same day appointments.
  • If you purchase SHIP, the $150 deductible is waived if you are seen at the Student Health Center.
  • No copays for seeing a provider at the SHC.
  • You are able to make online appointments.
  • The SHC has a dispensary of about 50 medications, many of which can be purchased for about $10, saving time and money.
  • Benefit from a clean, friendly, Christ-centered atmosphere.

For more information on graduate and professional student health insurance, how to sign up, eligibility, coverage period, and coverage benefits, contact the Graduate and Professional Center.

Dental Insurance

Any APU student may request supplemental dental coverage. All support is provided directly through United Healthcare. For more information, go to Gallagher Koster.

Dependents

Any insured student may also insure his/her spouse or dependents. To apply, complete the Dependent Enrollment Form (PDF). All support is provided directly through United Healthcare.

Athletes

All students involved in NCAA sports are automatically enrolled in an additional insurance policy for athletes. For more information, contact the Athletics Department at (626) 815-5081.

Getting reimbursed for fees incurred at the Student Health Center

  • Print the Walkout Statement from the MyCougar Health Portal.
  • Print and complete the Insurance Reimbursement Details form.
  • Mail both of the forms to your insurance company. Typically, the address on the back of your insurance card is preferred. If you are not sure if this is the appropriate address, call the phone number on your insurance card.