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
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.
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.
Health Insurance Plan:
Rates for the 2013-2014 academic year are as follows:
For more information about coverage, please review the Aetna Student Health Plan online. Click on "Medical Plan: Enroll" on the menu at the left side of the page to access the details.
- 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.)
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.
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.
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
All Kids Healthcare
State of Illinois also has a plan to provide affordable health insurance
coverage to children living in Illinois called All Kids. Students can determine if this plan is sufficient for their children's needs or if they should explore private health insurance plans.