Concordia Experience

Student Insurance


The New Law

The Affordable Care Act (ACA) requires everyone legally living in the U.S. to have health insurance beginning Jan. 1, 2014.

If you do not have health insurance, you need to sign up during open enrollment, which ends March 31, 2014. If you choose not to enroll for insurance, the law states that you will face tax penalties.

How to Enroll

If you don’t have health insurance, there are several ways to sign up and learn about your options:
•    Online: Shop for coverage at or  https: //
•    In person: You can meet with an expert in your community. Visit

Many Options

The Affordable Care Act (ACA) gives millions of individuals with too little or no insurance access to health plans at different cost levels. The law also provides financial assistance to those who qualify based on family size and income.


  • This is the health insurance marketplace site for Illinois, where you can shop and sign up for insurance.
  • GetCoveredIllinois hotline, (888) 809-2796. This help desk answers questions about signing up and shopping for insurance in Illinois and Medicaid.
  • This is the federal government website links to the health insurance exchanges offered across the country
  •  Enter your Zip code to be connected to the health insurance marketplace that serves your state

The Patient Protection and Affordable Care Act (PPACA, also referred to as the “Affordable Care Act” or ACA) is a United States federal statute which was signed into law on March 23, 2010.   In short, the PPACA is aimed at increasing the rate of health insurance coverage for Americans and reducing the overall costs of health care.  Due to Federal mandates and regulatory changes concerning PPACA the University is no longer able to provide a customized affordable student health insurance plan.  After careful consideration the University has decided to eliminate its policy requiring all full-time undergraduate students and all resident students to be covered by a health insurance plan. In addition, the University will no longer be sponsoring a student health insurance plan.

The decision to no longer offer a university student health insurance plan is based on the following factors:

  • The significant increase in the cost of the plan to the student (on average about a 300% increase over 2012/2013 rates)
  • The PPACA regulation requiring that all individuals be covered by an acceptable health insurance policy, effective January 1, 2014, which makes a university student health insurance redundant and an unnecessary expense to the student
  • The PPACA regulation requiring dependent coverage to be available until the adult child reaches the age of 26 (both married and unmarried children will qualify for this coverage) which allow many students to retain their health coverage through a parent/guardian


In light of these changes, and our commitment to the good health of our students, Concordia University will provide all undergraduate students with a supplementary accident medical plan at no cost. 

The key points to the accident plan are as follows:

  • The plan provides accidental injury coverage for all students from August 1, 2013 to August 1, 2014 for any on campus activity including intramurals and intercollegiate athletics or while attending or participating in any university sponsored and supervised off campus activity.
  • The plan has a $100 deductible and $5,000 medical maximum. Any medical expenses incurred in excess of plan limits or not covered by the plan will be the responsibility of the student.
  • This is a program of supplemental coverage designed to pick up eligible balances left by the students primary insurance plan
  • If the student does not have primary coverage then this plan will assist with covering expenses incurred to the limits stated in the policy
  • This plan has a 52 week benefit period from the date of the accident.
  • This plan does NOT cover medical expenses related to illnesses, physical exams, immunizations, or any other expenses not related to accidental injuries
Medical Maximum $5,000 per claim
Deductible $100
Co-Insurance 100% Usual and Customary
Benefit Period 52 weeks
Coverage Excess

While the accident plan does provide a layer of support the University does strongly recommend that every student obtain comprehensive medical coverage.  If you are currently without a primary health care plan and have interest in obtaining coverage for the upcoming school year there are a number of short-term plans available that are flexible and affordable that could provide you with a basic level of coverage. The following link,, will provide you with some coverage options and quotes.  Please note this not a University sponsored plan although the plans are recommended through First Agency, INC. which is a longtime insurance provider for the institution.  

For insurance related questions and/or support with submitting claims to the student accident plan please contact:

Magdalena Adamowska
Executive Assistant to the Dean of Student & Student Insurance Coordinator

If you are a student-athlete for the 2013-2014 school year, please refer to the following link  for information about athletic insurance coverage.