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Student Health Insurance About the Student Health Insurance Plan
Â鶹ÊÓƵ requires all full-time students, all students who live in Â鶹ÊÓƵ housing, and all international students with F-1 and J-1 visas to carry personal health insurance. Students in these required categories are automatically enrolled in the Â鶹ÊÓƵ student health insurance plan offered by Aetna. The 2024-2025Ìýannual premium of $2,302Ìýis automatically assessed to your student account. The coverage period is from August 1, 2024Ìýthrough July 31, 2025.
If you are covered under another comparable health insurance plan, you can waive the university-sponsored student health insurance plan by submitting a waiver. Information on the waiver is available here.
Student Health Insurance will be provided by our provider, Aetna,Ìýfor the 2024-2025Ìýpolicy year.
| Ìý | Annual | Fall* | Spring/Summer | Summer |
|---|---|---|---|---|
| Student | $2,302 | $962 | $1,340 | $579 |
| Spouse/Partner+ | $2,302 | $962 | $1,340 | $579 |
| Each Child+ | $2,302 | $413 | $1,340 | $579 |
| All Children+ | $4,356 | $913 | $2,530 | $1,098 |
| Ìý | Ìý | Ìý | Ìý | Ìý |
*Fall Only coverage is only available to students in one-semester programs at the university. Students who graduate in December may contact the Â鶹ÊÓƵ Central in December and once we verify your graduation, we will provide a refund. You must contact the university before December 31st to receive a refund.
*Spring waivers are only accessible to incoming students that have been admitted to the spring semester
+ Spouse/Partner and dependent coverage must be paid directly to AetnaÌýonce the student's enrollment is complete and cannot be broken into installment payments.
Health Insurance Questions and Answers
Yes. If you have been charged the premium for the student health insurance plan and want to accept the coverage, you will need to go to the site starting July 1 to complete an insurance enrollment form. This will ensure that your coverage will begin on August 1st. If you do not complete the enrollment form, your insurance coverage willl not begin until the waiver process ends. Ìý
If you are not in one of the categories that requires insurance, but you are enrolled in at least 6 credit hours, you are able to voluntarily enroll in the student health insurance plan.ÌýÌýÌýÌýYour student account will be billed for the health insurance. Academic Health Plans (AHP)Ìýwill contact you when you are able to complete the enrollment form with the health insurance carrier, Aetna.
The student health insurance includes limited pediatric dental benefits (for students under age of 19) and vision benefits.
Dental and Vision insurance can be purchased on the site. Dental and vision insurance cannot be billed to your student account. The enrollment deadline for fall is September 18th.
All full-time students,Ìýstudents living in university-sponsored housing at Â鶹ÊÓƵ, and studentsÌýwithÌýanÌýF1ÌýorÌýJ1Ìývisa are automatically enrolled in the Student Health Insurance Plan. If you were automatically enrolled in the Student Health Insurance Plan based on the number of credit hours you are taking, it's important for you to contact our office if you drop any classes. If you were full-time and drop to part-time status, you'll lose your health insurance benefits. To prevent this, you'll need to contact the student health center so we can make sure the charge for health insurance remains on your student account.
All students – undergraduate, graduate, and law – taking six or more credit hours are eligible to enroll in the Student Health Insurance Plan.
If you are covered by your parents' plan or have other coverage withÌýcomparable benefits to the Â鶹ÊÓƵ plan, you probably wouldn't need the Â鶹ÊÓƵ insurance plan. Before you waive, you might want to review the specifics of your current policy and compare them with the Â鶹ÊÓƵ plan. Some of the basic information you might want to compare is:
- Annual cost: Is the Â鶹ÊÓƵ plan less expensive for the amount of benefits offered than your current plan?Ìý
- Deductible amount:ÌýHow much you will pay out of pocket before your insurance pays?
- In-network and out-of-network benefits: Does your insurance consider specialists in DC in-network or out-of-network?
- Prescription drug benefits: Does your plan include coverage for prescription drugs?
- Coverage abroad:ÌýDoes your plan include coverage when you travel abroad?
Simply complete an online health insurance waiver before the designated waiver deadline. See the Insurance Waiver Information page.
Yes. You must waive the Â鶹ÊÓƵ Student Health Insurance Plan at the beginning of each academic year.Ìý
To learn more about the plan, you can visit the
If you graduated in the Fall, you can request to cancel the Spring portion of insurance coverage. To do so, please email aucentral@american.edu before January 31. Please make sure your record reflects your graduation. The last date of coverage for the Fall term will be December 31.Ìý
To receive yourÌýinsurance card after August 1, you can create an account with Aetna.ÌýYou will only be able to do this after completing the enrollment form online with . Please note, there may be a delay in accessing your insurance card if you did not complete the enrollment form before August 1.Ìý
Yes. Â鶹ÊÓƵ understands that you might not be alone when coming to Â鶹ÊÓƵ. With that in mind, you can purchase health insurance for your spouse, domestic partner, or dependents. After you are enrolled in the insurance plan by completing the online enrollment for, you will be able to add a spouse, domestic partner, or dependents to your plan. To complete the enrollment form or add dependents, please visit .
If you have questions about your health insurance benefits and are already enrolled in the plan, please contact Aetna . If you have questions about the status of your health insurance waiver, please visit the . There are options to call or chat with a representative. For questions about the health insurance fee and your Â鶹ÊÓƵ student account, please contact Â鶹ÊÓƵ Central at aucentral@american.edu
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