Santa Clara University

Cowell Student Health Center

 2015/2016 Student Health Insurance

Santa Clara University requires all degree seeking students enrolled at least half -time in their school or college to have health insurance (excluding certificate and online programs). This requirement helps to protect against unexpected high medical cost and provides access to quality health care. 

Students may purchase the university sponsored Aetna Student Health Insurance Plan, but are not required to if they can provide proof of other insurance coverage comparable to the Aetna Student Health Insurance Plan as outlined in the benefit and waiver requirements below.  Students with comparable health insurance must complete the Online Waiver Form with their own insurance information prior to the waiver deadline date. 

  • Students who do not complete the online waiver form prior to their tuition billing will be charged the annual health insurance premium to their student account.
  • If an online waiver form is submitted and approved after health insurance has been billed, but prior to the established waiver deadline date as shown below, the health insurance premium charge will be reversed from their student account within 3 business days of waiver submission. 
  • All health insurance charges remaining on a student’s account after the established waiver deadline date will not be reversed and are the responsibility of the student.

Fall 2015 students Click Here to complete the waiver, request enrollment into the Aetna insurance or review the Aetna plan benefits.

Attention: F-1 Visa International Students

In order to insure all F-1 visa students are covered by a plan that provides coverage which meets or exceeds the 2015-2016 Student Health Insurance Plan, beginning with the 2015/2016 academic year, F-1 visa students are not eligible to waive Santa Clara University’s (SCU) Student Health Insurance Plan.  Students will be automatically enrolled into the university sponsored Aetna Student Health Insurance Plan and charged $2,805.00 for the annual insurance premium. 

However, if you are insured through a health insurance plan underwritten by a U.S. based insurance company with coverage that meets or exceeds the SCU Student Health Insurance Plan you may complete a special International Student Insurance Exemption Form.  Your health insurance plan must be effective for the entire time you are an enrolled student at SCU.  The completed exemption form will require a copy of your current health insurance ID card as well as a summary of your current plan’s benefits in English. 

Your insurance coverage and benefits will be verified by Gallagher Student Health & Special Risk, to ensure they meet all of SCU’s requirements as outlined below.  If it is determined that the insurance information provided on the exemption form does not meet the requirements your request will be denied and you will remain enrolled and charged for the Aetna Insurance Plan. If it is determined that your plan meets the requirements the insurance charge will be reversed fromyour student account No exemption forms will be accepted after the deadline date of September 25, 2015 The decision of Gallagher Student Health & Special Risk is final.

 If you feel your health insurance meets all of the waiver and benefit requirements outlined below, please contact Patricia Sandvick at or by phone at 408-554-2379 to obtain an International Student Insurance Exemption Form 





  The following types of insurance plans/programs are not acceptable and will not be considered:

  • Insurance plans that are called Travel Insurance do not provide acceptable coverage and may not be used for insurance coverage while at SCU.
  • Short Term Medical Plans that are available to purchase on a weekly or monthly basis are not acceptable coverage and may not be used at SCU.
  • Socialized medicine policies, including Canadian policies are not acceptable as insurance coverage while at SCU.
  • International insurance plans that are underwritten in a country outside of the United States are not acceptable as insurance coverage while at SCU.
  • California Medi-Cal health plans that do not have assigned benefit coverage in Santa Clara County.  Your Medi-Cal must have assigned benefits in Santa Clara County.
  • Out-of-state Medicaid insurance does not cover students in California and thus is not eligible coverage to complete the Waiver or International Exemption Form.

Additionally, your health insurance plan must include the following benefits/services:

  • Health insurance plans must provide coverage for medical evacuation of $50,000 and repatriation of remains of $25,000. (International Students)
  • Health insurance policy must provide unlimited lifetime maximum coverage. Benefits cannot have a specific maximum amount.
  • Pre-existing conditions must be covered with no waiting period.
  • Health insurance plans must provide coverage for inpatient and outpatient hospitalization in Santa Clara County, CA.
  • Health insurance plans must provide access to local doctors, specialist, hospitals and other health care providers in emergency and non-emergency situations in Santa Clara County, CA. 
  • Health insurance plans must provide coverage for lab work, diagnostic x-rays, emergency room treatment, ambulance services and prescription coverage in Santa Clara County, CA.
  • Health insurance plans must provide coverage for inpatient and outpatient mental health.
  • Health insurance plan must be underwritten by a U.S. based insurance company.


SCU's Aetna Insurance Plan Provider and ID Card Information
>> Find an Aetna Preferred Provider
>> Steps to download an Insurance ID Card on Your Smartphone

1.  Go to 

2.  Log into your student account using your SCU email address as the username and your SCU Student ID# as your password. 

3.  Go to 'Quick Links' near the top of your screen. 

4.  Under My Account, go to 'Account Home'. Go to 'Generate ID Card'.

5.  Show this card to providers during your visit and you should be all set!

>> Print an Insurance ID Card

          1.  Go to 

2.  Log into your student account using your SCU email address as the username and your SCU Student ID# as your password.

3.  Under My Account, click on 'Account Home'. 

4.  Click the green 'Generate ID Card' link. 

5.  Print this page and show the card to providers during your visit and you should be all set!

 Link for all Aetna Insurance needs:  

On this site you can:

  • Download a plan brochure or Frequently Asked Questions. 
  • Submit an enrollment or waiver form. 
  • Enroll eligible dependents. 
  • Learn more about discounts and wellness services available to you. 
  • Email Gallagher Student or engage in live chat using the "Live Help" icon and more.......

Dental Option Available for all Students:  

Delta Dental Care HMO Annual Premium Rates:

Student                                 182.80

Student and Spouse              295.60

Student and Children            299.80

Student & Family                 420.76


Please check back in mid-August for the Delta Dental Enrollment website to be available.

Aetna Additional Benefits
EyeMed Vision Care

This discount vision plan is available through EyeMed Vision Care. EyeMed's provider network consists of over 45,000 independent providers and retail stores nationwide, including LensCrafters, Pearle Vision, Sears Optical, Target Optical, JC Penney Optical, and many private practitioners.

This is not an insurance plan; there is no waiting period. Enrolled students can take advantage of the savings through EyeMed immediately upon receipt of their separate ID card. You can purchase prescription eyeglasses, conventional contact lenses or even non-prescription sunglasses at savings between 15% and 45% off regular retail pricing. In addition, you can receive discounts from 5% to 15% off laser correction surgery at some of the nation's most highly qualified laser correction surgeons.

Please click on the following link to download the EyeMed Flyer.

Please click on the following link to print an EyeMed ID Card: EyeMed ID Card.

To locate a participating provider, or if you have any additional questions, you can call 1-866-8EYEMED or go online at

Basix Dental Savings and Wellness

The cost of dental care is a major concern to both students and health service administrators. To help with this issue, Gallagher Student makes the Basix Dental Savings Program available to you. It is important to understand the Dental Savings Program is not dental insurance. Basix contracts with dentists that agree to charge a reduced fee to students covered under your Gallagher Student plan. The student must pay for the services received at the time of service to receive the negotiated rate.

Savings vary but can be as high as 50% depending upon the type of service received and the specific contracted dentist providing the service. To use the program, simply:

  • Make an appointment with a contracted dentist; all the contracted dentists are listed on our website,
  • Make sure the dental office understands that you have access to the Basix program. We list an administrative contact person for each dentist to help clear up any confusion on the spot. We don't issue a separate identification card for the Basix program. The dentist's office may ask for your health plan identification card to make sure you have access to the program. If the office needs to check eligibility, call Gallagher Student at the number on your ID Card. 
  • Remember, you must pay for the services you receive at the time of service, so make sure you understand what forms of payment (check, credit card, etc.) the dentist accepts.

College health is all about helping to develop healthy habits. Our program supports those efforts by making available free downloadable mp3 files.

  • Need some exercise? Download one of a dozen stationary bike workouts that range from an easy introduction to a simulated criterium road race. Coached walking routines and treadmill routines are also available. 
  • Need some sleep? Try one our eight guided imagery and Qngoing relaxation downloads. 
  • Need help with weight management? We have two mp3 files specifically designed to help you maintain a healthy weight, one specifically dealing with the 'Freshman 15'.

Full details of the program can be viewed at the website: Once at the home page, select the link for your school. You may also contact CampusFit via email from the Basix Student Website, or by telephone at 888-274-9961.