Health Insurance

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:

  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.

Waiving SHIP

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.

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, 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.

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 $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, view the Gallagher FAQs, or call Gallagher Student Health at (800) 406-4517.

Rates

Annual Fall Spring
Duration 8/15/19–8/14/20 8/15/19–1/5/20 1/6/20–8/14/20
Cost $1,230 $615 $615

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.

Learn more about student health insurance fees. For benefits and plan information, visit the Gallagher Student Health website or read the Gallagher FAQs.

Rates for Graduate and Professional Students

Annual Fall Spring
Duration 8/15/19–
8/14/20
8/15/19–
1/5/20
1/6/20–
8/14/20
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 services provided by the SHC by paying either a $30 copay per office visit, or by paying a fee of $120 per semester if you anticipate needing frequent visits. Purchasing SHIP does not permit use of the Student Health Center. View a list of services provided at the SHC.

Why would you want to access services through the SHC?

  • You are usually able to obtain same-day appointments.
  • The wait times are usually minimal and patient satisfaction is high.
  • You are able to make online appointments via the MyCougar Health portal.
  • 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. For more information, visit the Gallagher Student Health website.

Dependents

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.

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 Student Health Center Fees if You Have APU Student Health Insurance

If you have SHIP, the SHC will bill Aetna for you for any fees you acquire at the center. However, during the period of August 15-October 1, you may see fees on your student account that pertain to SHC visits. These will eventually get paid by Aetna, once a student has been enrolled in class for at least one month. So, around the first week of October, we will bill the SHIP plan for any charges during the previous 6 weeks, and then we will reimburse student accounts.

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 (SHIP) Card

  • Visit the Aetna Student Health website.
  • Choose your school name from the drop-down box.
  • Click “Get your ID card” beneath the center purple icon.
  • Enter your Student ID number and date of birth, then click “Submit” to generate your ID card.
  • Note: This process will allow access only to your ID card. In order to obtain access to claim information and tax documents, you will need to create a User Account using the “Your Member Website” link at the top of the page.

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