Student Health Insurance

OPEN ENROLLMENT: August 6th - September 8, 2015

 

Open enrollment for the 2015-2016 academic year will occur from August 6–September 8, 2015.  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 and an optional Vision Plan through UnitedHealthcare.  For information about the Dental plan, click here. For more information on the Vision 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 or vision 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 Effective Dates:

Medical/Prescription Coverage

Class of 2019: August 10, 2015 - August 31, 2016
Class of 2016, 2017, and 2018: September 1, 2015 - August 31, 2016

Dental and Vision Coverage

September 1, 2015 - August 31, 2016

Rates for 2015-2016 (health insurance only):

Student Only: $5,243
Student + Spouse: $10,486
Student + 1 Child: $10,486
Student + 2 or More Children: $15,729
Student + Spouse + 2 or More Children: $20,972

What’s New for the 2015/2016 Academic Year?

Click here for a benefits summary of what is changing for the 2015/2016 academic year. 

Enrollments and Waivers:

Enrollments and waivers are processed on-line (including the Dentaland Vision Plan).  Students should review the instructions for enrolling/waiving coverage.

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, 2015 through August 31, 2016.
  • 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.