F-1 & J-1 HEALTH INSURANCE REQUIREMENTS AND EXCEPTIONS

All international students in F-1 and J-1 status are required to have the NAU student health insurance, which will be charged to all student’s LOUIE accounts each semester .

Exceptions will be made only for students who meet one of the following criteria:

1) J-1 Exchange Students coming through the ISEP exchange organization or the University of Wolverhampton are not required to purchase NAU student health insurance.

All other exchange students must purchase NAU student health insurance, as explained in the pre-arrival information that you received before arriving at NAU.

Questions regarding health insurance should be directed to the NAU Fronske Health Center.

2) J-1 and F-1 students who are sponsored entirely by the government of their home country, including health insurance coverage.

To request a waiver: provide the following document to International Student and Scholar Services within 10 days of the start of the semester:

  1. Photocopy of the front and back of the health insurance card provided by the sponsoring government.

3) J-1 students who are sponsored by the U.S. government or an international organization and are provided health insurance coverage.

To request a waiver: provide the following document to International Student and Scholar Services within 10 days of the start of the semester:

  1. Photocopy of the front and back of the health insurance card provided by the sponsoring government or international organization.

4) J-1 and F-1 students who have insurance provided through U.S. employment or through a parent or spouse’s U.S. employment.

To request a waiver: provide the following document to International Student and Scholar Services within 10 days of the start of the semester:

  1. A photocopy of your health insurance card showing your name and dates of coverage.

Requests for waivers must be submitted within the first ten days of the start of the semester. Requests submitted after the first ten days of the start of the semester will not be eligible for a waiver. 
If your request is approved, the waiver will be granted. The final decision to waive the NAU health insurance requirement will be made by the Center for International Education. 
Requests for waivers and refunds of NAU health insurance for previous semesters will not be granted.

Note: Before requesting a waiver, please keep in mind that Health care in the U.S. is extremely expensive and most medical facilities do not bill out-of-country insurance providers. Payment of the medical bill is the patient's responsibility. The patient will need to seek reimbursement from the home country insurance provider. Health insurance is required for your financial protection and for expenses of the health care providers. The university is not responsible for medical expenses or filing claims.