Student Health Insurance FAQs

Student Health Insurance enrollment is automatic with registration of 9 or more credit hours (which assess general/mandatory fees) in the fall and spring, and with 6 or more pre-registered credit hours (which assess general/mandatory fees) in the summer. Students assessed only Outreach Fees are NOT assessed Student Health Insurance. For more details, see our Insurance Eligibility page.

Students who withdraw or reduce hours below 9 are advised to speak with a student health insurance specialist in order to maximize their options. Insured graduates are eligible to purchase insurance at the group rate for one additional term.

Yes, students who are insured with Student Health Insurance may continue coverage for one semester at the student rate. For more details see our insurance eligibility page.

Students whose withdrawal dates are after the 15th calendar day of the term (8th day for the summer session) will retain Student Health Insurance for the remainder of the term. Please contact Student Health Insurance at (309) 438-2515 for terms and conditions.

No dependent coverage is available. International students are referred to the Office for International Studies for material on policies which can be purchased for the coverage of dependents. U.S. students are referred to other agencies which offer dependent medical coverage plans.

You may be able to if you have other comparable health insurance. You would complete an online cancellation form and may be required to provide proof of other coverage (copy of insurance card) each semester prior to the 15th calendar day of the fall and spring semesters and the 8th calendar day of the summer semester. This online process can be done for up to one school year at a time. Please review the Keep or Cancel page before making this important decision, the online cancellation form is at the bottom of the Keep or Cancel page.

Cancellation Deadlines:

• 2024 Fall Semester: 9/3/24
• 2025 Spring Semester: 1/27/25
• 2025 Summer Semester: 5/19/25

Approved cancellation requests result in the insurance fee being removed from your tuition/fee bill. If you have paid your bill in full (owe no money to ISU), including the Student Insurance fee, a refund will be issued by the Student Accounts Office.

Student Health Insurance coordinates with your family coverage so that you would expect up to 100% compensation for medical expenses between the two plans. This Plan helps pick up your other plan's deductibles, co-insurance, co-pays, out of network charges, and amounts above usual and customary or otherwise unpaid by your other insurance.

If your other coverage is a managed care plan, you may have restrictions or diminished coverage for out-of-area non-emergencies. The addition of this Plan can close the gap and widen your access to care anywhere in the world without restrictions or pre-authorizations required.

Our students experiences with other health insurance is that they incur substantially more out of pocket with the family plan than they did when they were living at home or prior to school. Student Health Insurance can help pick up that out of pocket. For more details, see our page titled "Should I Keep or Cancel Student Health Insurance?"

When charges are incurred in the clinic, ask for an itemized bill suitable for insurance from the Student Health Services Business Office. You will need to submit that bill to any insurance you have. Meanwhile, the charges will be posted to your Student Account. For more information, see our Fees & Payment page.