PNWU Student Health Insurance Plan Details

Explore the insurance plan available to your through PNWU.

PNWU Student Health Insurance

Insurance Coverage Information

Aetna Student Health PPO Plan

The student health insurance plan for the 2025-2026 academic year is offered through Aetna Student Health (ASH) and administered by Health Sciences Assurance Consulting (HSAC).

Deductible	$750.00
Co-Insurance	The plan plays 80% co-insurance In-Network
Out of Pocket Max (Individual)	$7,150.00 In-Network
Office Visit	$30 Copayment, 100% not subject to deductible
Emergency Room Visit	$150 Copayment, 100% Co-Insurance In-Network and Out-of-Network
Prescription Drugs	$20/$40/$60

Student Health Insurance Plan Premiums 2025-2026

The student health insurance plan is an academic year plan; however, the premium is split into two equal payments. For the PNWU policy year, the first payment will be assessed during Fall 2025-2026 registration, and the second payment will be assessed during Spring 2025-2026 registration. Students who enroll in the student health insurance plan at the start of the academic year will remain enrolled for the Fall Semester but will be eligible to waive for the Spring Semester. No cancellations or refunds will be issued.

Cohort	Coverage Start	Coverage End	Premium
Continuing Students	07/01/2025	06/30/2026	$3,798.00
First Year DO Students	07/29/2025	06/30/2026	$3,509.00
First Year MAMS Students	07/29/2025	06/30/2026	$3,509.00
First Year DPT Students	07/29/2025	06/30/2026	$3,509.00
First Year DMD Students	07/29/2025	06/30/2026	$3,509.00
First Year MSOT Students	08/21/2025	06/30/2025	$3,269.00

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Related Documents

2025/2026 PNWU Summary of Benefits

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Frequently Asked Questions

About the student health care plan

How do I obtain my ID Card?

ID cards are usually available 5-7 business days after you receive your enrollment confirmation email from HSAC.

Go to www.aetnastudenthealth.com
Go to the Purple Get Started block, select "Pacific Northwest University of Health Sciences", then click view your school.
On the PNWU page, select "Get your ID card"
Complete the form with your PNWU Student ID and Date of Birth

How do I set up my account at Aetna Student Health?

To set up your account:

Go to www.aetnastudenthealth.com
On the top right of the website, click on the link for "Aetna Member Website."
Click on the blue "Register or login" button

How do I find a Preferred Provider or Participating Pharmacy?

To find a preferred provider:

Go to www.aetnastudenthealth.com
Select "Pacific Northwest University of Health Sciences" in the purple "Get Started" block, then click view your school.
On the PNWU page, select "Find a doctor, hospital, or pharmacy".
Click on "Go to Provider Search".
Click on "Login to Secure Site" if you have already set up your account, or "Register Now" to create your account. You may search for providers as a guest, however, logging in as a member will ensure the search results are tailored to your specific school's policy
You will then be able to search for Providers.

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All PNWU students are required to either enroll or waive

Maintaining comprehensive health insurance coverage is mandatory for all PNWU students. All students MUST be covered by an ACA-compliant domestic health insurance plan for the entire academic year, including summer and holidays.

You will be automatically enrolled if you do not waive coverage

If an acceptable waiver is not received by the posted waiver deadline, PNWU will finalize your enrollment in the student health insurance plan, you will no longer be eligible for a refund of the Fall 2025-2026 premium, and your student account will automatically be assessed the applicable Spring premium during registration for the Spring term.

Enrolling in the PNWU Student health plan

If you wish to enroll in the student health insurance plan for the 2025-2026 academic year, you must submit your enrollment via the 'Enroll' button at the top of this page.

Waiving out of the PNWU Student health plan

If you have active health insurance coverage and would like to waive the PNWU student health plan. Please submit a waiver request through the 'Waive Coverage' button at the top of this page. Once you have submitted, you will receive an email verifying if your waiver meets the PNWU requirements to waive.

I am 25 and on a parent's health insurance plan. I will turn 26 during this academic year. Can I still waive out of the plan for part of the year?

Students who are currently covered under the health plan of a parent but who will age out of their coverage after the waiver deadline period may use their current coverage to waive out of the student health insurance plan until their coverage terminates. Coverage will be prorated based on your enrollment dates. Please see the FAQs page for more information on submitting your updated insurance waiver or enrolling in the PNWU student plan upon turning 26.

Can I waive with a WA HMO or WA Medicaid during my years of clinical education?

Maybe; WA HMO/Medicaid waiver approval during clinical years varies by cohort. Please see the FAQs page for more information regarding WA HMO/Medicaid approval for your specific program.

Can I waive with my Kaiser Permanente HMO insurance if my home region is not Washington?

Maybe. Kaiser Permanente offers extension of coverage to certain states (CA, CO, WA, HI, DE, Washington D.C., VA, MD and GA) for some of their HMO policy holders. Please reach out to Kaiser directly to see if your HMO policy offers in-network access to routine health services while you are within WA. You will be issued a new ID card for the WA region and will need to provide this ID# to HSAC once received from Kaiser Permanente. Certain clinical students are not able to waive with an HMO policy; please see the FAQs page for more information regarding eligibility for waiving with a WA HMO as a clinical student.

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