Health Insurance

Azusa Pacific University is excited to announce that the 2018-19 Student Health Insurance Plan (SHIP) will be provided by Aetna and will be offered to undergraduate students and all international students for only $590 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

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 only needs to be done once, at the beginning of each academic school year. Or, if entering APU in the spring, then it would need to be done at that time. International students may not waive SHIP.

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 high deductible (over $1,000).
  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, 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.

You may begin attempting to waive SHIP by early May. If you have not waived it by June 6, 2018, the fee will appear on your student account. If you have not waived SHIP by September 7, you will be enrolled in the plan and can only have the fee removed if you submit a petition via that is accepted. A petition may be submitted from September 9 to October 9.

For those that are beginning to study at APU in spring 2019, the waiver period opens 11/28/18 and closes 1/18/19. The petition period goes from 1/19/19 to 2/20/19.

Undergraduate Students

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 then they must waive the plan as discussed below.

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.

International Students

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 $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 or call Gallagher Student Health at (800) 406-4517.


Annual Fall Spring
Duration 8/15/18–8/14/19 8/15/18–1/6/19 1/7/19–8/14/19
Cost $1,180 $590 $590

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 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 or to upload a copy to the MyCougar Health portal.

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 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.

Learn more about student health insurance fees. For benefits and plan information, visit the Gallagher Student portal.

APU Graduate and Professional Student Health Insurance FAQ (PDF)

Graduate and Professional Student Health Insurance Plan Brochure (PDF)

Rates for Graduate and Professional Students

Annual Fall Spring
Duration 8/15/18–
Cost for Domestic Students $3,073 $1,537 $1,537
Cost for International Students $1,180 $590 $590

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.
  • With SHIP, there is a $150 deductible for each illness or injury. 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.


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.

Getting Reimbursed for Student Health Center Fees if You Have APU Student Health Insurance (United Healthcare Student Resources)

  • Print your Walkout Statement from the MyCougar Health Portal. The form is located under the SHC Visit Statements tab.
  • Mail this form along with a copy of your insurance card (see below for directions on how to obtain one) to:
    United Healthcare Student Resources
    PO Box 809025, Dallas, TX 75380-9025
    (866) 948-8472

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)

  • Go to
  • 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.

Make an Appointment