Santa Clara University



I am healthy. Why should I be required to have health insurance?

Santa Clara University requires all students taking two or more classes to have health insurance.  Years of experience and demographic data have shown that students who fell ill and were unable to meet the costs of their medical needs often dropped out of the University. Requiring adequate coverage under a health insurance plan enables students to seek medical attention and treatment promptly, and complete their academic goals.

I have my own insurance and do not want the school’s insurance.

In order to make sure that you are not automatically enrolled into the school sponsored Aetna PPO insurance plan, you must complete the on-line waiver form with your own insurance information. This is required EVERY ACADEMIC YEAR. To access the waiver form, go to Information By Student Type  and you will find the link under your student type. The deadline to complete the 2014/2015 waiver is June 21, 2014 for continuing students and August 21, 2014 for new incoming students.

What are the start and end dates of the school-sponsored health insurance plan and hoe much does it cost?

The insurance plan begins on September 15, 2013 and terminates at midnight on September 14, 2014. The annual undergraduate insurance plan cost is $2,134.00.

Does the Aetna plan cover students while they are home for breaks or studying abroad?

Yes, the Aetna plan covers students while they are home or studying abroad. Students will get the best benefit if they go to an Aetna PPO provider. While studying abroad, they will have to pay out of pocket for services but can submit a claim to Aetna for reimbursement according to the plan upon their return to the U.S.

Where can I find information on the plan benefits?

To review the Aetna PPO insurance plan benefit details, go to Information By Student Type.

Do students need to have the school-sponsored Aetna insurance plan in order to be seen at the Cowell Center?

All students are welcome to use the Cowell Center regardless of their insurance. There is no office visit fee for undergrad or law students. Graduate students who have medical insurance other than the university sponsored Aetna plan, may access health center services by paying a quarterly fee.  For all students, any fees associated with their visit (i.e. lab work, immunization, medications) those charges will be billed to their student account for payment. We DO NOT bill insurance companies. Student may request a receipt from the receptionist at the Cowell Center so that they may file a claim form with their insurance company.

Does the Aetna plan cover dental visits?

The school-sponsored Aetna PPO plan is a medical plan and does not cover dental. There is, however, an optional dental plan available for students to enroll into. Students do not have to be enrolled in the Aetna medical plan to enroll into the dental plan. The dental plan for 2013/2014 will be Delta Dental. Enrollment into the plan will be available online at in mid-August. The dental plan begins on September 1, 2013.

Who can help me if I have more questions about the Aetna insurance plan?

You may contact Patricia Sandvick, Student Health Insurance Coordinator, at (408) 554-2379 or