Northwestern University requires that all full-time students have health insurance; it is the major medical or hospitalization plan. 

The health insurance options are different depending upon your citizenship status. Please refer to the information below for details.

U.S. or Permanent Residents:
You have the option to have your own private health insurance plan or to enroll in the Northwestern Health Insurance Plan. If you choose a private medical insurance plan, you must have comparable insurance coverage in order to be waived from Northwestern's plan. If you choose the Northwestern Health Insurance Plan, you will enroll via CAESAR, the online student enterprise system. CAESAR is also used for class registration. Your NetID and password will give you access.Students must enroll in the plan or decline coverage by October 1, 2013.

International Students:
The Vice President for Student Affairs has mandated that all first-year incoming international students must purchase health insurance from the University recommended vendor, Aetna Student Health. There will be no exceptions. The Vice President has also mandated that these same first-year incoming international students shall maintain coverage from Aetna Student Health (or an alternative vendor selected by Northwestern University) for the entire time they are studying at Northwestern. International students will be automatically enrolled in the plan. 

Aetna Student Health Insurance Plan:
Rates for the 2013-2014 academic year are as follows:

• Student $3,067
• Spouse/Domestic Partner $6,129
• Child (each) $3,836
  (For another option for children, refer to the All Kids Healthcare Program outlined below.)

Part of your financial aid package from Kellogg includes coverage of this health insurance fee. Please note that Kellogg covers the health insurance fee for the student only; fees for dependents are not covered by Kellogg’s financial aid package. Kellogg does not cover the cost of the deductible or “out of pocket” expenses.

Upon satisfaction of the deductible, the plan will pay 80% of covered medical expenses. The maximum out of pocket cost a student will incur is $1,000, not including the $250 deductible. This provision does not apply to prescriptions or behavioral health; there is no out of pocket maximum for these two benefits. More information about the health insurance plan is available through the Graduate School and through the Student Health Insurance Office.

Health insurance coverage will begin on September 1, 2013. For any questions regarding health insurance, please contact the Health Insurance Office at Northwestern. Their phone number is 847-491-2113.