Student Health Insurance Plan

LMU requires all undergraduate, graduate and law students enrolled in seven credit hours or more to have health insurance that covers surgery, hospitalization, specialty medical care, or other services outside the scope of SHS.

The LMU-endorsed Student Health Insurance Plan, provided by Aetna, provides this kind of coverage for both accident and/or sickness. All full-time students are automatically enrolled in this plan.

Cost of Coverage

 Westchester Campus
Annual
(8/1/19 - 7/31/20)
$2,467
Spring
(1/1/20 - 7/31/20)
$1,438

 

 Law School
Annual
(8/1/19 - 7/31/20)
$2,462
Spring
(1/1/20 - 7/31/20)
$1,433

Waiving Coverage: Do You Have Other Medical Coverage?

Students who have a personal or family health insurance plan may waive out of this plan option. To waive out of the University Endorsed Student Health Insurance Plan, please visit aetnastudenthealth.com, select your school (Loyola Marymount University / Loyola Law School), then follow the process to request a waiver.

Waiver Deadline Dates

You must complete a waiver proving comparable coverage by:

 Westchester Campus/Law School
Fall 2019 Oct 4, 2019
Spring 2020 Jan 31, 2020
(only for new students entering in Spring)

Summary of Benefits

 Preferred ProvidersNon-preferred Providers
Maximum Benefit Unlimited Not covered
Deductible $500 N/A
Out of Pocket Maximum $5,000 N/A
Physician's Office Visit $25 copay Not covered
Urgent Care $25 copay Not covered
In-Patient Hospitalization Plan pays 80% Not covered
Emergency Room $150 copay (waived if admitted), then plan pays 80% $150 copay (waived if admitted), then plan pays 80%
Labs & X-ray Plan pays 80% Not covered
Prescription Drug

Tier 1 - $15 copay
Tier 2 - $40 copay
Tier 3 - $80 copay

Not covered

This table presents only highlights of the plan. For full plan benefits and details, please see the plan brochure at aetnastudenthealth.com.

Where Can I Go for Service?

When you need care, consider Student Health Services as your first stop. They can provide many of the routine health services you need, and you generally pay less out of your own pocket for care. Please visit the Student Health Services website to schedule an appointment or view hours of operation.

You also may visit any licensed health care provider directly for covered services in Aetna's preferred provider* network (doctors, specialists, facilities).

If you see a provider that is not in Aetna's preferred provider network, you will have to pay the full cost; this plan does not cover services from Non-Preferred Providers and Facilities (except in true emergencies).

To learn more about preferred providers, visit aetnastudenthealth.com.

The Loyola Marymount Student Health Services is a full-service medical office accredited by the Accreditation Association for Ambulatory Health Care. Health services are available to all students enrolled in six or more semester hours. The staff includes a board certified physician and nurse practitioners in addition to registered nurses and trained support staff.

For more information, call Student Health Services at (310) 338-2881. In the event of an emergency, call 911 or the Department of Public Safety at (310) 338-2893.

*Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care or guarantee access to health services.

For More Information

  • How do I view and/or obtain my Aetna Student Health ID Card?

    Students can view and/or obtain their Aetna Student Health ID Card via the following methods:

    Mobile Device (via Aetna Mobile app)

    1. Download the Aetna Mobile App to your mobile device
    2. Log into your Aetna account
      1. If you have not yet registered with the Aetna Mobile app:
        1. Click "Register Now"
        2. Input your University Identification Number, first and last name, zip code on file with the Registrar's office, and date of birth
        3. Click "Continue"
    3. Click "ID Card Information"
    4. Verify member and date of birth information, then click "View Card"

    Mobile Device (via web browser)

    1. Visit the Aetna Student Health website for the university
    2. Click the "Print my ID Card" link on the right-hand side of the welcome page
    3. Enter your University Identification Number and date of birth
    4. Click "View Card"
    5. Select your ID card to display it on the screen
    6. Students can take a screenshot to save it into their phone

    Computer (via web browser)

    1. Visit the Aetna Student Health website for the university
    2. Click the "Print my ID Card" link on the right-hand side of the welcome page
    3. Enter your University Identification Number and date of birth
    4. Click "View Card"
    5. Select your ID card
    6. Select "Print your ID Card"

    Computer or Mobile Deveice (via Aetna Navigator in a web browser)

    1. Visit the Aetna Student Health website for the university
    2. Select the "member login" link on the right-hand side, which will open a new window
      1. If you have already registered for Aetna Navigator, you will log in from this screen
      2. If you have not yet registered for Aetna Navigator:
        1. Choose the "Sign up now" option
        2. Input your University Identification Number, first and last name, zip code on file with the Registrar's office, and date of birth
    3. Once you are logged into Navigator, click "Get an ID Card" on the left-hand side
  • How do I submit a claim under the University Endorsed Health Insurance Plan?

    Any services rendered at SHS will be billed to the patient's student account. It is the responsibility of the patient or patient guardian to submit documentation of SHS billing to Aetna. Student Health Services does NOT submit claims to insurance on behalf of patients.

    1. When submitting any bill or document to Aetna, include your name, University Identification Number, and date of birth. Indicate that you are a LMU student.
    2. Make copies of all bills and correspondence before you submit them to Aetna. Keep a record of all phone conversations, including the name of the person with whom you spoke to, date, time and probable outcome. If you need to correspond with Aetna over the phone, be prepared to refer to your documents and bills.
    3. While a referral is not required, when you seek medical care outside Student Health Services, it is recommended.
    4. To maximize your savings and reduce out-of-the pocket-expenses, select an Aetna Network Preferred Provider. It is to your advantage to use a preferred provider because savings may be achieved from the Negotiated Charges these providers have agreed to accept as payment for their services. Preferred providers are independent contractors, and neither employees or agents of Loyola Marymount University, Aetna Student Health, or Aetna.
    5. Not all procedures and costs are 100% covered. To verify your coverage type (injury or sickness), you may call Aetna at 877.409.7356 and provide your name and UID (see #1). Some illnesses or injuries may cost more to treat and you may be billed for what the plan does not cover.
    6. Please review the section on Exclusions and Limitations in your insurance pamphlet.
    7. For more information on your specific plan's policies and benefits, please go to Aetna's website: Aetna Student Health and go to "get started by searching your college or university," and enter Loyola Marymount University in the field "find your school."
    8. If you need to submit physical claims, please fax them to 859.455.8650 or mail them to:

      Aetna
      PO Box 981106
      El Paso, TX 79998

    Visit How to Submit an Aetna Claim Online for more information.

  • How do I submit a claim if I don't have the University Endorsed Student Health Insurance Plan?
    1. When submitting any bill or document to your insurance plan, please include your name, date of birth, and insurance number.
    2. Make copies of all bills and correspondence before you submit them to your insurance plan. Keep records of all phone conversations, including the name of the person(s) with whom you spoke to, date, time and probable outcome. If you need to correspond with your insurance plan over the phone, be prepared to refer to your documents and bills.
    3. When seeking a referral to an outside provider, please check to see that the new provider is part of your insurance plan's network, and accepts your plan. For more information regarding referrals, please check your policy or your insurance plan's web page.
    4. Not all procedures and costs are 100% covered. To verify your coverage type (injury or sickness), you may contact your insurance plan and provide your name and your plan and identification number. Some illnesses or injuries may cost more to treat and you may be billed for what the plan does not cover.
    5. Please review your insurance policy for the section on Exclusions and Limitations.
    6. Please check your insurance plan's web page to obtain copies of blank insurance forms that will need to be completed for reimbursement.
    7. If you require an itemized billing statement from LMU, please visit Student Health Services in person and complete a copy of "Loyola Marymount University Student Health Center Authorization to Release Patient Medical Information."

View our full list of FAQs about insurance and billing.

Excess / Injury Medical Expenses Plan (Accident-Only Plan)

Loyola Marymount University's Excess/Injury Medical Expenses Plan provides benefits to students and student athletes as a secondary health plan. The plan covers out-of-pocket expenses like co-pays and deductibles that are not covered by your primary health insurance when you seek care for injuries related to accidents.

All students are automatically covered under this plan.

  • Annual Premium: $117
  • Spring: $66
  • Coverage Period: August 1, 2018 to July 31, 2019

For more information please see the 2019 Mandatory Student Accident & Injury Insurance Plan Brochure.

To submit a claim under the University's Excess/Injury Medical Expense plan, please use the Student and Athletic Accident Insurance Claim form.