Student Health Insurance

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Benefit Changes for 2020-2021 Plan Year

Starting with the 2020-2021 Plan Year which goes into effect on , the pharmacy benefit will change to include potential prior authorizations and step therapies for certain medications when prescriptions are filled at off campus locations. To determine if your medication is subject to these requirements you can review the PDL , which will identify medications subject to these requirements, or contact United Health Care at 1-866-948-8472. More information can be found here: FAQ .


Temporary Student Insurance Benefit

Notice of temporary eligibility change for the Student Health Insurance Plan. Students who are ONLY taking web-based courses due to the COVID-19 pandemic are now eligible for the SIU Student Health Insurance Plan. Students taking ONLY web-based courses due to COVID-19 may enroll in the plan by completing the enrollment form as per the instructions found below under the FAQ topic labeled How do I enroll myself. After the enrollment form is received, and pending confirmation of the students' registration for the Fall 2020 term, the Fall 2020 insurance fee of $975.00 will be added to the students' account. Please allow 5-10 business days for processing.  


Health Insurance Requirement

SIUC requires all students that are taking on-campus courses to have health insurance. To meet this mandate, all students taking on-campus courses will be billed the student health insurance fee. Students who already have comparable health insurance coverage may waive the fee by completing the waiver process prior to the posted deadlines. All students taking on-campus courses, who do not complete the waiver process by the posted deadline, will be automatically enrolled in the SIU Student Health Insurance Plan and will not be eligible for a refund. If it is your intent to enroll in the student health insurance plan, it is strongly recommended that you enroll yourself as soon as possible. Doing so assures you have access to off-campus benefits on the effective date of the policy.

The Student Health Insurance Plan provides health insurance coverage that complements the Student Health Center, covering expenses such as pharmaceuticals, immunizations, and off-campus services such as emergency rooms, hospitalizations, surgery, ambulance, and specialty care.

United Plan Summary (Student Health Insurance Plan)

Student Health Insurance Referral Requirement (PDF)


Frequently Asked Questions

When to contact
United Healthcare:

When to contact
Gallagher Student Health:

Fee Waiver Period

Registered Term Fee Waiver Period Opens Deadline
Fall 2020 General Waiver Period 7/13/2020 8/28/2020
Petition to Waive Period 8/29/2020 9/4/2020
Spring/Summer 2021 General Waiver Period 12/7/2020 1/22/2021
Petition to Waive Period 1/23/2021 1/29/2021
Summer Only 2021 General Waiver Period 5/3/2021 6/11/2021
Petition to Waive Period 6/12/2021 6/18/2021

The General Waiver Period is the allotted time frame for students to complete the insurance waiver forms required to receive a credit for the Student Health Insurance fee. A small percentage of these waivers will be audited for accuracy and comparability to the student plan. Out of State Medicaid, and plans that do not provide coverage that is comparable to student plan may not be accepted.

The Petition to Waive Period is the allotted time frame for students who have missed the General Waiver Period deadline, but would still like to waive the Student Health Insurance fee. The required forms have additional questions, and 100% of the Petitions to Waive will be audited for accuracy and comparability to the student plan.  No waivers are allowed after the Petition to Waive period.

 Enrollment Period

Registered Term Enrollment Periods Opens Ideal Date Final Deadline
Fall 2020 General Enrollment Period 7/13/2020 8/1/2020 8/28/2020
Petition to Add Period 8/29/2020 N/A *
Spring/Summer 2021 General Enrollment Period 12/14/2020 12/28/2020 1/29/2021
Petition to Add Period 1/30/2021 N/A *
Summer Only 2021 General Enrollment Period 5/3/2021 5/31/2021 6/11/2021
Petition to Add Period 6/12/2021 N/A *

The General Enrollment Period is the allotted time frame for eligible students to actively enroll themselves and eligible dependents. Completing the Active Enrollment process before the Ideal Date helps to ensure that off-campus benefits are accessible (i.e. insurance cards) on the effective date of the plan. Eligible students who do not Waive or Actively Enroll will be automatically enrolled only after the Petition to Waive period is over. Waiting to be enrolled automatically will delay access to off-campus benefits for up to 4 weeks after the plan effective date.

Petition to Add Period is the time frame in which a qualifying event (i.e. loss of insurance, turning 26, etc.) is required for dependents and students to be added on to the Student Health Insurance Plan. Changes in course registration may be an exception to this rule only for eligible students.  

* A Petition to add form must be submitted to Gallagher Student Health within 31 days of the qualifying event.