Student Health Insurance

OPEN ENROLLMENT: August 6th - September 8, 2014

 

Open enrollment for the 2014-2015 academic year will occur from August 6- September 8, 2014.  You may not be able to access the system until the open enrollment period.

 

1. To enroll/waive in the School of Medicine Health Insurance and Rx plan click here. (you will need to enter your NET/University ID, which is available on the back of your purple NYU ID or provided to you in your Financial Aid package)

2. To enroll in the Cigna Dental Insurance, click here (you will need to enter your Kerberos ID, which is the same ID used to access email)

Instructions for enrolling/waiving coverage

The School of Medicine provides its students with comprehensive coverage through United Healthcare. All students are required to enroll in this plan unless they meet the criteria for waiving.

The School of Medicine also provides an optional Dental Plan through Cigna HMO.  For information about the Dental plan, click here

Remember that you must make an election each year, or you will automatically be defaulted to individual medical coverage and no dental coverage. Your existing medical waiver, family medical coverage and/or any dental elections will not carry over to the new academic year.

For all inquiries regarding insurance benefits, enrollment, or waivers, contact the NYU Langone Medical Center Benefits Office at (212) 404-3787.

Coverage Dates:

     Class of 2018: August 11, 2014 - August 31, 2015
     Class of 2017, 2016, 2015: September 1, 2014 - August 31, 2015

Rates for 2014-2015 (health insurance only):

     Individual Plan: $4,827.00
     Family/Group Plan: $17,289.00

 
Click here to review the current Student Health Benefits Summary.

The 2014-2015 student health benefits summary will be provided at a later date.  Please note that the 2014-2015 medical plan has the following enhancements:

 
  • Maximum Policy Benefit increased from $2,000,000 to 'no overall maximum dollar limit' (unlimited)
  • All per service deductibles/copays, coinsurance and policy deductibles apply toward the out-of-pocket maximum
  • Removed internal limits for Durable Medical Equipment
  • Pediatric Dental and Vision is added

Enrollments and Waivers:

Enrollments and waivers are processed on-line (including the Dental Plan).  Students should use the links at the top of this page to enroll in or waive the school health insurance and Rx plan and to elect the Dental insurance through Cigna HMO. 

NOTE: Tuition bills are issued automatically by the University several weeks prior to the processing of any insurance elections. As such, bills will not reflect credits for health insurance waivers or for election of dental coverage until the October billing cycle.

 

Criteria for Waiving:

Students must meet the following criteria in order to be eligible to waive the school insurance plan:

  • The health insurance coverage must be effective no later than September 1, 2014 through August 31, 2015.
  • In the event that coverage ends during the academic year, it is the student's obligation to enroll under the medical plan offered by NYU School of Medicine. In order to enroll, the student will be required to complete enrollment forms and the election will take effect the first day of the month following the submission.
  • The insurance company must be operational in the USA, with a US address for claim submission and customer service.
  • The plan must cover both outpatient and inpatient medical and psychiatric care, including substance abuse treatment, in the NYC area. 
  • The plan must provide coverage for medically necessary out-of-network medical and psychiatric care.
  • The plan must cover urgent and emergency care in the NYC area.
  • The plan must include prescription drug coverage, and payment for laboratory and radiology services.
  • The plan must meet the requirements of the Affordable Care Act, including coverage for pre-existing conditions, and minimum and maximum coverage and deductibles.

 

Medicaid Consideration:

A matriculated medical student may request to waive the School of Medicine health insurance if they have active Medicaid insurance. New York State Medicaid will generally be approved. Out of state Medicaid may be evaluated on an individual basis.

Before waiving the school health insurance in lieu of Medicaid, we strongly encourage students to consider the gaps in coverage they may experience with Medicaid when needing medical care.  Medicaid may not cover the student out of state or abroad.

Additionally, referral options are extremely limited within the NYC area. Students may find that they can only receive medical care within the Bellevue Clinic system. This system, although providing good care, often requires substantial waits for specialist appointments and long waits on the day of the appointment.   It is for these reasons that the School of Medicine discourages the selection of Medicaid.

It is important to consider potential future care, such as eye exams or dermatology visits, before selecting Medicaid as a carrier.  Students are encouraged to speak with the Student Health Services BEFORE applying to and choosing Medicaid.