Health Insurance

Health insurance is available to all APU students. Our Student Accident and Health Insurance plan is provided by United Healthcare. For more information, visit

Undergraduate Students

Beginning fall 2014, 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, and charged an annual fee of $1,700 ($850 per semester).

Students enrolled in a comprehensive insurance plan with comparable coverage meeting the requirements of the university may submit a waiver request (details below) to opt out of the APU Student Health Insurance Plan, but must do so at time of enrollment. A waiver is required on an annual basis every fall semester. If you are a new, incoming student, you may request a waiver for spring/summer beginning early in December.

All undergraduate students are able to access the Student Health Center, even if they opted out of the Student Health Insurance Plan.

2014-15 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 co-pay.

Elective or preventative dental services and elective eye care are not covered.

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


Annual (8/15/14–8/14/15) $1,700
Fall (8/15/14–1/11/15) $850
Spring (1/12–8/14/15) $850

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, 2014–August 14, 2015).
  • Compliance with the Affordable Care Act
  • Unlimited coverage maximum benefit per person, per policy year
  • Maximum out of pocket $6,350 per person, per policy year

Coverage for the following essential health benefits:

  • Ambulatory Patient Services
  • Emergency Services
  • Hospitalization
  • Illness and Injury Services
  • Laboratory and X-Ray Services
  • Mental Health and Substance Abuse Services, including behavioral health treatment
  • Maternity and Newborn Care
  • Prescription Drugs
  • Rehabilitative Services and Devices
  • Preventative and Wellness Services, and Chronic Disease Management
  • Pediatric Services, including oral and vision care

All HMO, federal, and state sponsored plans must provide coverage in the Southern California area within 30 miles of the Azusa campus while enrolled for classes.

Waiver Request Deadline for Fall 2014

The deadline to request a waiver for the fall 2014 academic year is September 12, 2014. After this date, all waiver requests will be denied for the 2014–15 academic year.

How Do I Request a Waiver?

Step 1: Read the criteria above to make sure this is the right option for you. Be sure your current insurance plan provides coverage and access to providers within 30 miles of the Azusa campus area before waiving coverage.

Step 2: Submit online waiver request: Log on to 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. Upon completing your online form, you will receive a confirmation number.

If a form is not submitted by the deadline, you will remain enrolled in and billed for the student insurance plan for the entire policy year.

For students who waive coverage, Azusa Pacific University reserves the right to audit the coverage parameters of any health plan at any time, and to revoke any prior waiver if it is determined that the required conditions are not satisfied. 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 Students

Health insurance is available to all graduate students but it is not a condition of enrollment. A separate policy is offered through United Healthcare. Graduate students must purchase the insurance every semester for coverage to continue. International graduate students are required to have the APU Student Health Insurance Plan.

Graduate students may access the services provided by the Student Health Center if they "opt in" and pay the health fee of $120 per semester. Purchasing the Student Health Insurance Policy alone does not permit use of the Student Health Center. In order to pay the health fee, please fill out and sumbit the Graduate Student Health Center Coverage Application (PDF). This must be done during registration period.

For more information on graduate 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 .


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.


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.