Student Health Insurance Plan (SHIP)
Azusa Pacific University is excited to announce that the 2019-20 Student Health Insurance Plan (SHIP) will be provided by Aetna and will be offered to undergraduate students and all international students for only $615 per semester. This policy is rich with benefits and the price is far below that of any other plan in the marketplace that contains a similar benefit package. For more information about SHIP, visit the Gallagher Student Health website.
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.
We strongly encourage you to purchase SHIP if any of the following conditions apply:
- You do not have health insurance.
- You have a private health insurance plan with a high deductible (over $1,000).
- You live outside California and have a Medicaid plan associated with that state, as it is very difficult to obtain benefit coverage in California.
- You have an HMO with limited benefits.
All HMO, federal, and state-sponsored plans should provide coverage in the Southern California area, close to 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.
If you are already covered by a private health insurance policy, you may waive SHIP by following the procedure below under How Do I Request a Waiver? This needs to be done only once, at the beginning of each academic year. Or, if entering APU in the spring, it would need to be done at that time.
International students are not eligible to waive the Student Health Insurance Plan.
You may begin attempting to waive SHIP by May 20, 2019. If you have not waived it by June 10, 2019, the fee will appear on your student account. If you have not waived SHIP by September 6, 2019, you will be enrolled in the plan and can have the fee removed only if you submit a petition via Gallagher Student Health that is accepted. A petition may be submitted from September 7 through October 7.
For those who are beginning their studies at APU in spring 2020, the waiver period opens November 22, 2019, and closes January 17, 2020. The petition period lasts from January 18 to February 21, 2020.
We encourage all students to carry a copy of their health insurance information or to upload a copy to the MyCougar Health portal.
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 the Gallagher Student Health website. Log in using your Azusa Pacific email address as your name; your password is your student ID number (nine digits; e.g., 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.
All undergraduate students enrolled in 7 or more units will be automatically enrolled in the Student Health Insurance Plan provided by Aetna. If they have comparable coverage and do not want the plan, they must waive the plan as discussed 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 of our low-cost services.
All international students on APU I-20s or DS-2019s will be automatically enrolled in the Student Health Insurance Plan provided by Aetna and are not eligible to waive it.
APU Student Health Insurance Plan Coverage
The Student Health Insurance Plan provided by Aetna 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 $1,500; urgent care copays are $25 and emergency room copays are $50. Find a Preferred Provider.
Elective or preventative dental services and elective eye care are not covered, but a dental policy is available for purchase through Gallagher Student Health.
For a complete description of the benefits available, limitations, and exclusions of the APU Student Accident and Health Insurance Plan, visit the Gallagher Student Health website or call Gallagher Student Health at (800) 406-4517.
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 Aetna?
- Do you want to obtain primary care services through the Student Health Center?
Graduate and Professional Student Health Insurance Plan
Health insurance is optional for graduate and professional students. To sign up, complete the Graduate and Professional Health Insurance Request form. 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.
Health insurance is mandatory for international students who hold an F-1 or J-1 visa. The health insurance charge is applied automatically at the beginning of the fall and spring semesters for international students.
Students must enroll in health insurance prior to the start of each term in order to receive continuous coverage throughout the year.
Rates for Graduate and Professional Students
|Cost for Domestic Students||$3,356||$1,678||$1,678|
|Cost for International Students||$1,230||$615||$615|
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.
- 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.
Any APU student may request supplemental dental coverage. For more information, visit the Gallagher Student Health website.
Any insured student may also insure his/her spouse or dependents. For more information, visit the Gallagher Student Health website and click on Dependent Enroll, under Student Access.
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 Student Health Center Fees if You Have APU Student Health Insurance
Print your Walkout Statement from the MyCougar Health Portal. The form is located under the SHC Visit Statements tab.
Fill out the Aetna Medical Benefits Request (PDF) form.
- Fill out Nos. 1-27 (if you sign No. 28, the insurance company will send the check to the SHC).
- Have your provider fill out Nos. 29-45, then mail to Aetna at the address noted on the form. Make sure to include your Walkout Statement as noted above.
Getting Reimbursed for Student Health Center Fees by Insurance Companies Other Than APU Student Health Insurance
- Print your Walkout Statement from the MyCougar Health Portal. The form is located under the SHC Visit Statements tab.
- 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.
Obtaining a Copy of Your Student Health Insurance Card (SHIP)
- Visit the Gallagher Student Health website.
- Click on Account Home.
- Sign in with your APU email address as your user name, and your 9-digit APU student ID number as your password. You may change your password after logging in.
- Under Coverage History, select Print an ID card.