Student Health Insurance

New for 2020/2021 Academic Year

PNW is pleased to offer health insurance options to students through Anthem Blue Cross Blue Shield Medical and Prescription Drug Plan, administered by Academic Health Programs. Learn more about enrollment options and requirements.

Eligibility

  • Domestic Students (US Citizens and Permanent Residents): All registered undergraduate and graduate domestic students taking six or more credit hours and degree seeking are eligible to enroll in the University Injury and Sickness Insurance Plan.
  • International Students: All international undergraduate and graduate students who are registered, regardless of credit hours, or in an approved professional certificate program must enroll in the Mandatory University health insurance plan unless you meet the criteria for a waiver.  Please see the section on Waivers near the end of this document.
  • Students must actively attend classes for at least the first 31 days after the date for which coverage is purchased.  AHP maintains its right to investigate eligibility to verify that the policy eligibility requirements have been met. If the eligibility requirements have not been met, the only obligation of AHP is to refund the premium.
  • Eligible students may add/drop dependents on their plans either during open enrollment or within 30 days of a life event. Life events consist of: loss of coverage on another plan, marriage, birth, adoption, death, entering or leaving the U.S.

Summary of Benefits and Brochures

Insurance coverage includes medical and prescription drug.  There is also limited vision and dental coverage for some family members and some services.  More detailed information related to plan coverages can be found here at pnw.myahpcare.com/ or purdueship.myahpcare.com/benefits

Anthem Network Information, Deductibles

Students may see providers that participate in the Anthem network.

A $200 deductible for in-network preferred providers and a $400 deductible for out-of-network providers will apply to all services.

Preventive care services are only covered if performed by an Anthem in-network provider.  The health centers on the Westville and Hammond campuses are both in network on this plan.

Prescriptions can only be filled at an Anthem network pharmacy.  Walgreens on the corner of 169th Street and Kennedy Avenue is located less than 1 mile from the Hammond campus and Walgreens on the corner of 421 and 20 in Michigan City is located 6 miles from the Westville campus.

Information related to network pharmacies can be found at www11.anthem.com/pharmacyinformation/rxnetworks.html

Additionally, a searchable prescription drug list can be located at  pnw.myahpcare.com or purdueship.myahpcare.com/benefits.

Most US Providers will file claims to Anthem BCBS for services received. All claims must be submitted to insurance within 90 days of the date of service.

Anthem’s Purdue dedicated line is 1 (844) 412-0752

Coverage Continuation

Continuation coverage is available for those students who are no longer eligible for student insurance and have had 3 continuous months of coverage under a previous Purdue University student insurance plan. You must apply for continuation within 30 days of the expiration date of the previous coverage.

To apply, complete the form found at pnw.myahpcare.com or purdueship.myahpcare.com/continuation and follow the instructions on the landing page for payment options.

Open Enrollment

  • Enrollment website: purdueship.myahpcare.com/ or pnw.myahpcare.com
  • The open enrollment period for the fall semester ends September 8, 2020 at 4 p.m. CST.
  • The open enrollment period for the spring semester ends February 1, 2021 at 4 p.m. CST.
  • Students must enroll their dependents during open enrollment or within 30 days of a qualifying event. Qualifying events are: marriage, divorce, birth, death, dependent entry into US, and involuntary loss of insurance coverage.

If the above deadline dates falls on a weekend, the deadline is extended to the following Monday at 4 p.m. CST

International Student Enrollment

The Purdue Insurance must be purchased by the deadline. The Purdue Insurance plan may be purchased online prior to arrival in the U.S.

International Students who have not enrolled or who do not have an approved waiver on file by the enrollment deadline will:

  • have a hold placed on their account
  • have to purchase the Purdue Insurance plan

Annual v. Semester Enrollments

We encourage students to enroll and pay for the Annual plan. Though a student has the option of enrolling separately for Fall and Spring/Summer, it is more advantageous to purchase the Annual plan.  Students must meet the eligibility requirements only once if the annual plan is purchased.

When purchasing Fall and Spring/Summer separately, the eligibility must be met at the beginning of each coverage period.  In the event of a serious illness or injury prohibiting a student from returning to class for Spring/Summer, charges incurred after January 1 would not be covered due to ineligibility for insurance if the Fall Semester Plan was purchased instead of the Annual Plan.

Open Enrollment

  • Enrollment website: purdueship.myahpcare.com/ or pnw.myahpcare.com
  • The open enrollment period for the fall semester ends September 8, 2020 at 4 p.m. CST.
  • The open enrollment period for the spring semester ends February 1, 2021 at 4 p.m. CST.
  • Students must enroll their dependents during open enrollment or within 30 days of a qualifying event. Qualifying events are: marriage, divorce, birth, death, dependent entry into US, and involuntary loss of insurance coverage.

If the above deadline dates falls on a weekend, the deadline is extended to the following Monday at 4 p.m. CST

International Student Enrollment

The Purdue Insurance must be purchased by the deadline. The Purdue Insurance plan may be purchased online prior to arrival in the U.S.

International Students who have not enrolled or who do not have an approved waiver on file by the enrollment deadline will:

  • have a hold placed on their account
  • have to purchase the Purdue Insurance plan

Annual v. Semester Enrollments

We encourage students to enroll and pay for the Annual plan. Though a student has the option of enrolling separately for Fall and Spring/Summer, it is more advantageous to purchase the Annual plan.  Students must meet the eligibility requirements only once if the annual plan is purchased.

When purchasing Fall and Spring/Summer separately, the eligibility must be met at the beginning of each coverage period.  In the event of a serious illness or injury prohibiting a student from returning to class for Spring/Summer, charges incurred after January 1st would not be covered due to ineligibility for insurance if the Fall Semester Plan was purchased instead of the Annual Plan.

Policy Coverage Period and Costs – Domestic and International Students

Enrollment in student insurance is MANDATORY for all International Students (unless approved for a waiver).

2020/2021 Policy Coverage Periods

  • Annual 8/1/20 – 7/31/21
  • Fall 8/1/20 – 12/31/20
  • Spring and Summer 1/1/21 – 7/31/21
  • Summer 5/1/21 – 7/31/21

2020/2021 Costs

 AnnualFallSpring/SummerSummer
Student Only$1,377.04$573.77$803.27$344.26
Student & Spouse$2,754.08$1,147.53$1,606.55$688.52
Student & Child$2,754.08$1,147.53$1,606.55$688.52
Student, Spouse & Child$4,131.12$1,721.30$2,409.82$1,032.78
Student & Children$4,131.12$1,721.30$2,409.82$1,032.78
Student, Spouse & Children$5,508.16$2,295.07$3,213.09$1,377.04

Waiver submissions must be done at  pnw.myahpcare.com or  purdueship.myahpcare.com/

  1. What is the Deadline for Submitting a Waiver?
  • September 8, 2020 at 4 p.m. CST for fall semester.
  • February 1, 2021 at 4 p.m. CST for spring semester.
  • Those who miss the deadline will have a hold placed on their account and will not be able to obtain grades/transcripts.
  1. How to qualify for a waiver

limited waivers may be granted to international students who satisfy one of the criteria listed below:

  • Government-sponsored students whose home government pays 100% for tuition and insurance for students and does not just supply funds to purchase an insurance plan of their choice.
  • Student is 100% financially sponsored (including tuition, living expenses, medical expenses, etc.) under a select international organization as listed on the waiver form.
  • Student is covered as a U.S. based employee, or as a dependent of a U.S. based employee, under a U.S. based health insurance provided through that employment.
  • Student studying in an approved exchange program.

If you determine that you satisfy one of the criteria for a waiver, you must purchase an insurance plan that meets all five of the following:

  1. Coverage must be in effect the first day of classes.
  2. Medical benefits of at least $100,000.00 USD per accident or illness
  3. Repatriation of remains in the amount of $25,000.00 USD
  4. Medical evacuation coverage in the amount of $50,000.00 USD
  5. Annual deductible not to exceed $500.00 USD per illness per person

Appropriate documentation MUST be submitted to waive out of the Purdue University sponsored plan.  These Include:

  • I20 or DS2019
  • Front and Back of your insurance card
  • Summary of Benefits

Obtain this information prior to leaving your home country.  If you are not able to obtain this information in the format requested, DO NOT purchase the plan as it will not be accepted.

Students must submit their own claims to their insurance company for reimbursement.