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).

The Pacific Northwest University of Health Sciences Student Insurance Plan is pending state approval and is subject to change. The Summary of Benefits will be available when the plan is approved.

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	Fall Premium	Spring Premium
Continuing Students	07/01/2025	06/30/2026	$3,798.00	$1,899.00	$1,899.00
First Year DO Students	07/29/2025	06/30/2026	$3,509.00	$1,610.00	$1,899.00
First Year MAMS Students	07/29/2025	06/30/2026	$3,509.00	$1,610.00	$1,899.00
First Year DPT Students	07/29/2025	06/30/2026	$3,509.00	$1,610.00	$1,899.00
First Year DMD Students	07/29/2025	06/30/2026	$3,509.00	1,610.00	$1,899.00
First Year MSOT Students	08/21/2025	06/30/2025	$3,269.00	$1,370.00	$1,899.00

The 2025-2026 PNWU Student Insurance Plan is Pending State Approval and subject to change.

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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 your eligibility is confirmed.

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 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. Approximately 30-45 days before the student's 26th birthday, our insurance verifier, HSAC, will reach out to students in this situation to determine if they wish to enroll in the student health insurance plan (at a prorated rate) or submit proof of coverage from another health insurance provider. If a student wishes to waive with coverage from another carrier, the coverage must meet all requirements set forth by OCOM and must be submitted to HSAC for verification within 30 days of termination of existing coverage. New coverage must be effective within 24 hours of your previous health insurance coverage.

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