Learn about your school insurance plan’s specific benefits and requirements to make an informed choice. Review the coverage details, costs, and network providers to understand how the plan meets your healthcare needs.
All full-time status residential students (students living in Moody-owned housing) on the Chicago campus and all Bachelor of Science in Missionary Aviation Technology (BSMAT) students enrolled in and attending on-campus courses are required to be covered by Moody’s Student Health Insurance Plan or an approved alternate plan for the entire time that they are enrolled as a student, including breaks between semesters. All required students will be automatically enrolled in Moody’s Student Health Insurance Plan and charged the premium unless a waiver is received each year.
International students (F-1 Visa) on all campuses (living on-campus and off-campus) are required to be covered by Moody’s Student Health Insurance Plan. International students will be automatically enrolled in Moody Student Health Insurance Plan and charged the premium and they do not have the option to waive.
Commuter students are eligible to participate in Moody’s Student Health Insurance Plan on a voluntary basis provided that one or more of the following conditions apply: Full-time status; students completing their student teaching requirements; or graduating seniors in their final semester.
Online-only students are not eligible.
Dependent coverage is only available for international students with J-1 status.
To complete a waiver, please go to aetnastudenthealth.com, search for Moody Bible Institute, click the Waive button and proceed as directed. You must fill in all the required information on the waiver form. If any information is missing, your waiver will not be accepted. When your online waiver form is successfully submitted you will receive a confirmation e-mail.
If you need information or have general questions, call Member Services at 877-626-2308.
| Coverage Type | Annual 8/11/25 – 8/10/26 |
Fall 8/11/25 – 12/31/26 |
Spring/Summer (new students only) 1/1/26 – 8/10/26 |
|---|---|---|---|
| Student | $2,318 | $906 | $1,412 |
| Coverage Type | Annual 8/11/25 – 8/10/26 |
Fall 8/11/25 – 12/31/26 |
Spring/Summer (new students only) 1/1/26 – 8/10/26 |
|---|---|---|---|
| Student | $2,318 | $906 | $1,412 |
| Spouse | $2,318 | $906 | $1,412 |
| Child | $2,318 | $906 | $1,412 |
| 2 + Children | $4,636 | $1,812 | $2,824 |
If you have lost your health insurance coverage, you may be eligible to join the student health insurance plan under a Qualifying Life Event. Please contact malinda.townsend@usi.com for additional information.
| Plan Features | Aetna Open Choice PPO Policy Number: 246800 |
|
|---|---|---|
| In-Network | Out-of-Network | |
| Contract-Year Deductible Per Individual |
$150 | |
| Out-of-Pocket Limit Individual/Family | $6,600 / $13,200 | |
| Medical Coverage | You pay: | |
| Preventive Care | Covered in full | 40% after deductible |
| Telemedicine | 20% after deductible | 40% after deductible |
| Primary Care | 20% after deductible | 40% after deductible |
| Specialist | 20% after deductible | 40% after deductible |
| Mental Health Office Visit | 20% after deductible | 40% after deductible |
| Chiropractic (30 visits/year) | 20% after deductible | 40% after deductible |
| Urgent Care | 20% after deductible | 40% after deductible |
| Emergency Room (copay waived if admitted) | $250 copay, then 20% after deductible | |
| Prescription Drugs (30-day supply) | ||
| Generic | $20 copay | $20 copay |
| Preferred Brand | $40 copay | $40 copay |
| Non-Preferred Brand | $60 copay | $60 copay |
| Specialty Drugs | $60 copay | $60 copay |
Annual checkups help you stay healthy. Take care of yourself by using your FREE in-network preventive care benefits each year! Preventive care visits allow you to take action early and keep treatable health issues from becoming chronic conditions.
Call your doctor and dentist to schedule your FREE annual checkup today! Need to find a doctor? Click here.
Students age 18 and under have access to dental and vision benefits up to the last day of the month in which you turn 19.
You have access to the following dental coverage each benefit year in which you are eligible:
You have access to the following vision coverage each benefit year in which you are eligible:
Included in the Aetna medical coverage is a $10,000 AD&D benefit in the event of death or dismemberment.
Locate a healthcare provider or facility in your plan’s network. Click here.
Click here to access your insurance ID Card.
Students who enroll and maintain medical coverage in this insurance plan have access to 24 Hour Nurse Line. Calls are answered 24/7/365 by a registered nurse to answer health questions and assist in determining the appropriate level of care for an injury or sickness. Call 800-556-1555.
Aetna Student Health provides a variety of different options for on demand mental and behavioral health. Please click here to explore options and find a benefit that works for you.
Your Aetna Student Health Insurance Plan provides access to emergency medical and travel assistance, reparation, and other travel assistance services when traveling. For general inquiries regarding the travel access assistance services coverage, click here.
If you are traveling and need assistance, call 866-525-1956 (U.S./Canada) or 603-328-1956 (outside U.S./Canada). When you call, please provide your name, school name, the group number shown on your ID card, and a description of your situation.
Is the student health insurance comprehensive i.e., includes hospitalization if needed?
Yes, the plan offered is ACA compliant and covers all Essential Health Benefits. It is rated as a Platinum level plan for those familiar with metal levels for ACA plans.
Does the student health insurance include dental coverage?
The Moody Bible Institute Student Health Insurance Plan offers pediatric dental benefits. Please refer to the Wellfleet Certificate for additional information on this coverage.
What is the coverage period?
The plan runs for 12 months (the full academic year, 8/11/2025 – 8/10/2026) if you meet the eligibility requirements.
Does the student health insurance cover student medical expenses off campus or when traveling (e.g., to home state)?
Yes, the Moody Bible Institute Student Health Insurance Plan uses the Aetna Open Choice PPO network which is recognized nationally. As always, please confirm with the provider that they are in-network before services are rendered.
How can I find in-network providers?
You can use the find a provider tool here. While this list is kept up to date, we recommend confirming with both the provider and facility that they are in-network before the time of service to ensure the lowest out-of-pocket costs.
How can I download an ID card?
Click here and enter your username and password to download.
What happens if my waiver application is denied?
All students are required to carry medical insurance that offers comprehensive access to care. If your waiver application is denied for not meeting the Moody Bible Institute requirements, you will be required to take Moody Bible Institute’s Student Health Insurance. Should you choose to appeal a denied waiver, please follow the instructions provided on your denied waiver email from Aetna.
What happens if I lose my own or my parent’s coverage mid-semester? Can I join the Moody Bible Institute Student Health Insurance Plan?
You may be eligible to join the plan mid-semester if you experience a Qualifying Life Event (QLE,) such as loss of coverage. Please contact Malinda Townsend at malinda.townsend@usi.com for more information should you experience a QLE.
These videos walk you through each step of finding your school’s plan, understanding your coverage options, and completing enrollment or waiver forms. Watch to get a clear visual guide that makes navigating student health insurance simple and straightforward.
