Health Insurance for Medical Students
NYU School of Medicine offers students a comprehensive health insurance plan through UnitedHealthcare. Although the cost of much of the care you receive at Student Health Service is covered under the student activity fee, health insurance is needed to pay for services that we can’t or don’t provide. This includes emergency care, hospitalization, specialty care, physical therapy, prescriptions, and care received when you are away from campus.
To avoid the high costs that can result from unforeseen medical issues, all students must carry health insurance—either through our plan or through another that offers comparable benefits. Students can be reimbursed for certain medical care expenses using the UnitedHealthcare Insurance claim form.
As a registered student, you are automatically enrolled in our UnitedHealthcare plan during the first registered quarter of each academic year, unless you sign a waiver and provide proof of other insurance coverage. If you need assistance with health insurance enrollment or waivers, contact Director of Student Affairs Pamela Belluomini at firstname.lastname@example.org or 212-263-3804.
Whatever you decide about your coverage, it’s important that you access the NYU School of Medicine UnitedHealthcare insurance portal for students (it requires a university ID number from your NYUCard ID) and log in each year during open enrollment to acknowledge your benefits or to waive your participation, if you have acceptable alternative insurance.
Coverage options do not automatically carry over from one academic year to the next. Existing insurance waivers, family medical coverage, and any dental and vision coverage must be renewed. If you fail to renew them, your plan automatically defaults to individual coverage. You also lose your dental and vision coverage.
Medical and Prescription Benefits
If you opt for the NYU School of Medicine UnitedHealthcare insurance plan and receive care from participating providers in the UnitedHealthcare network, in-network benefits for healthcare services are provided at the highest level of coverage available.
If you receive treatment from nonparticipating providers, your out-of-pocket expenses are higher. Because of this, it’s important to review UnitedHealthcare’s Certificate of Coverage for NYU School of Medicine to understand the scope of services that your policy covers.
Optional Dental and Vision Benefits
We offer optional dental insurance through Cigna Dental HMO and optional vision insurance through UnitedHealthcare.
Cigna Dental Care HMO covers up to four diagnostic or preventive oral evaluations each year with an in-network dentist, as well as specialty dental care with a referral to network-specialty periodontists or oral surgeons. For a full list of dental services and prices with this plan, review the Cigna Dental Care HMO Patient Charge Schedule.
Our optional vision plan with UnitedHealthcare provides an annual comprehensive eye exam and allowances for frames or contact lenses. UnitedHealthcare’s Vision Benefit Summary provides further detail on services covered and costs.
Long-Term Disability Insurance
All students are automatically enrolled in a disability insurance plan that pays a monthly benefit in the event of a disability caused by illness or injury. This coverage is included in your tuition and fees and is provided through Guardian Life Insurance Company of America. Review details about coverage and costs with this summary of NYU School of Medicine’s Medical Student Disability Insurance Program.
Insurance Premiums and Coverage Dates
The premiums listed are what you pay up front to enroll in the benefits plans we offer. Keep in mind that these are not the only costs associated with the care you receive. When you receive care, you may have to pay deductibles, coinsurance, and copayments, which represent the share of cost you are responsible for paying out of your own pocket.
UnitedHealthcare Annual Insurance Premiums 2017–18
Student only: $6,000
Student and spouse: $12,000
Student and one child: $12,000
Student and two or more children: $18,000
Student, spouse, and two or more children: $24,000
UnitedHealthcare Annual Vision Plan Premiums 2017–18
Student only: $134.40
Student and spouse: $255.00
Student and one child: $299.14
Student and one or more children: $299.14
Student, spouse, and two or more children: $420.75
Cigna Dental HMO Annual Premiums 2017–18
Student only: $191.28
Student and family: $455.88
Benefit Coverage Dates
Students in the classes of 2018, 2019, and 2020 who enroll in our benefits plan are covered from September 1, 2017, through August 31, 2018. For students in the class of 2021, coverage for the school year became effective August 10, 2017.
Your vision and dental benefits are effective for the entire academic year. If you choose to waive coverage for the academic year, that decision is not reversible; you must wait until the following year to enroll.
Criteria for Waiving Insurance Coverage
To waive coverage in the NYU School of Medicine–UnitedHealthcare insurance plan, students must have an alternative insurance plan that meets the following criteria:
- It is effective from September 1, 2017, through August 31, 2018.
- It is operated by a company in the United States, with a U.S. address for claims submission and customer service.
- It covers both outpatient and inpatient medical and psychiatric care in the New York City area, including substance abuse treatment.
- It covers medically necessary out-of-network medical and psychiatric care.
- It covers urgent and emergency care in the New York City area.
- It includes prescription drug coverage and payment for laboratory and radiology services.
- It meets the requirements of the Affordable Care Act, including coverage for preexisting conditions and minimum and maximum coverage and deductibles.
If your alternative insurance coverage ends during the academic year, you must enroll in the UnitedHealthcare insurance plan offered by NYU School of Medicine. Coverage takes effect the first day of the month following your enrollment.
Requests to waive NYU School of Medicine’s student health insurance plan may be approved if you have active Medicaid insurance. Before you choose Medicaid coverage over the student health insurance plan, it’s important to consider the gaps that may exist in your Medicaid coverage.
Medicaid may not cover your needs if you get sick out of state or while traveling abroad. Additionally, referral options are extremely limited within New York City. Students may find that they can only receive medical care within the NYC Health + Hospitals/Bellevue system, which, although it provides good care, often has substantial waits for specialist appointments and long waits on the day of the appointment. Currently, out-of-state Medicaid does not meet our coverage criteria for a waiver of student health insurance.
It is also important to consider care you might need in the future, such as eye exams or dermatology visits, before selecting Medicaid as your carrier. We encourage you to speak with the Student Health Service before choosing and applying for Medicaid.
For any inquiries regarding medical student heath insurance enrollment or waivers, contact the Director of Student Affairs Pamela Belluomini at Pamela.Belluomini@nyumc.org or 212-263-3804.
NYU Langone’s Benefits Services Department provides day-to-day benefits assistance to students, faculty, physicians, and staff, who are already enrolled in one of our health insurance plans.
The Benefits Services Department is open Monday through Friday, 8:00AM to 5:30PM, at One Park Avenue, floor 4. You can also visit us in Greenberg Hall at 545 First Avenue, room SC-2, from 8:00AM to 4:00PM on Wednesdays (we are closed for lunch from 11:00AM to 12:00PM).