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

For fall 2015, 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 $1,800 ($900 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. 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 co-pay. Out of pocket maximum is only $2,000 and emergency room co-pays 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 or call Gallagher Student Health at (800) 406-4517.


Annual (8/15/15–8/14/16) $1,800
Fall (8/15/15–1/10/16) $900
Spring (1/11/16–8/14/16) $900

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, 2015–August 14, 2016).
  • 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 Imaging 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 120 miles of the Azusa campus while enrolled for classes.

Waiver Request Deadline for Fall 2015

The deadline to request a waiver for the fall 2015 academic year is September 18, 2015. After this date, all waiver requests will be denied for the 2015–16 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 120 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 it is denied, you will be notified within 2–3 days. If you would like to appeal the denial, call or email Gallagher Student Health at (800) 406-4517 or

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 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 separate policy is offered by APU through United Healthcare. 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 online. 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:

  • $900/term
  • $2,000 out-of-pocket maximum
  • Office visit co-pay 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.

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 different policy other than SHIP, or even no insurance at all. In order to access services at the SHC, please 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 co-pays for seeing a provider at the SHC.
  • You will be able to make online appointments by November, 2015.
  • 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.


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.