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Student Health Insurance

Illinois Wesleyan University believes that it is very important for every student to have medical insurance, therefore a group insurance plan with benefits for preventive care, injury and sickness is provided to full-time students.

All full-time students are automatically enrolled in the IWU Accident & Sickness Plan provided by United Healthcare. Coverage extends from August 1st through July 31st of each year. The full cost of the plan is charged to student billing accounts in the fall term.

The cost for the plan for 2024-25 is $2,470.

A full plan description is available at

Insurance Enrollment Cards are available at

Waiver for IWU Accident & Sickness Insurance Plan

Participation in the Plan can be waived if the student has comparable insurance coverage and completes a waiver each year by August 30th at To be considered comparable, a plan must meet the minimum essential coverage requirements of the Affordable Care Act. No exceptions can be made for waivers received after the deadline. Any changes to a student’s personal health insurance coverage must be reported immediately to the IWU Business Office.

IWU advises all students and families who chose to waive to contact their health insurance carrier to determine what benefits and providers are available in the Bloomington-Normal area. IWU recommends students have an insurance card or access to their insurance plan information available to use while on campus.  Students with large deductibles or large out-of-network charges may consider purchasing the Accident & Sickness Plan.

Participation in the student health insurance plan is mandatory for students on F-1 and J-1 visas sponsored by Illinois Wesleyan University. These students are automatically enrolled and cannot waive out. 

Accident Insurance

Every full-time student is provided accident coverage called the Student Accident Plan. This coverage is in effect only for the academic year. Coverage starts the first day students are required to be on campus and ends the last day students are required to be on campus. Coverage remains in effect over breaks, so long as the student is enrolled in the next academic term.

Injuries must be reported to Arnold Health Services within 24 hours.

What to do if you have a claim:

  • Forms are available at Arnold Health Services or online at - Student Accident Plan.
  • Submit within 90 days of injury
  • File only one claim form per accident and include copies of provider invoices.
  • For students who are covered by an HMO/PPO, obtain pre-authorization for all services or benefits will be reduced by 50%.