NYU Grossman School of Medicine offers a comprehensive health insurance plan through UnitedHealthcare, which includes coverage for emergency services, hospitalization, specialty care, physical therapy, prescription medications, and care received off-campus.

NYU Langone Health covers the full cost of the UnitedHealthcare premium for individual medical and prescription coverage for all enrolled medical students. Coverage for spouses, domestic partners, and/or children requires payment of additional premiums for each dependent added.

Insurance Enrollment

All registered students are automatically enrolled in individual medical and prescription coverage through UnitedHealthcare for the academic year. This coverage cannot be waived.

You must take action by the annual enrollment deadline only if you wish to:

• Enroll dependents in your medical and prescription coverage, or
• Enroll yourself or eligible dependents in dental coverage

The UnitedHealthcare dependent enrollment form and dental plan enrollment website can be accessed on the Benefits Portal (Kerberos ID and password are required) under the tab labeled: Enroll in Your Benefits.

Medical and Prescription Benefits

Healthcare services provided by in-network providers are covered at the highest level available under your plan. If you choose to receive care from providers outside the network, your out-of-pocket costs will be higher.

You have access to a wide range of medical and mental health professionals through the UnitedHealthcare Choice Plus Network, which is a broad national network. NYU Langone psychologists and psychiatrists are included in this network, offering you and your dependents expanded support for emotional well-being.

Optional Dental Benefits

Medical students have the option to enroll in dental coverage through Cigna Dental Care HMO. There are no changes to the current plan design, and students are responsible for paying the full annual premium.

The Cigna Dental Care HMO plan covers up to four diagnostic or preventive oral evaluations per year with an in-network dentist. It also includes access to specialty dental care with a referral to participating periodontists or oral surgeons within the network.

Vision Plans

Medical students have the option to enroll in individual vision plans through VSP. All available plans include an annual comprehensive eye exam and an allowance for either contact lenses or eyeglass frames. Students can review plan options—including coverage details, out-of-pocket costs, and premiums—find a participating eye doctor, and enroll at any time by visiting vspdirect.com. For questions or assistance, contact VSP directly at 1-800-785-0699.

Medical Students at NYU Grossman School of Medicine are also eligible for a 10% discount on several elective, out-of-pocket procedures at the NYU Langone Eye Center. These include refractive surgeries (PRK or LASIK), contact lens fittings, and the purchase of contact lenses.

Additionally, the optical store at NYU Langone’s Preston Robert Tisch Center for Men’s Health offers package deals for medical students on eyeglass frames and contact lenses, with prices ranging from $80 to $250. Students can be professionally fitted and purchase the latest prescription eyewear, including eyeglasses, sunglasses, and optical accessories.

Benefit Plan Details

Medical and dental plan details can be accessed on the Benefits Portal (a Kerberos ID and password are required) under the tab labeled: Learn About Your Options.

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 offered through Med Plus Advantage and sponsored by the American Medical Association. Learn more about the Medical Student Group Disability Insurance Policy.

Insurance Premiums and Coverage Dates

The premiums listed below are the upfront payments required to enroll in the benefits plans offered by NYU Langone Health. Please note that these premiums do not cover all possible expenses. When you or your dependents receive care, additional costs such as deductibles, coinsurance, and copayments represent your share of cost and are your financial responsibility.

UnitedHealthcare Annual Insurance Premiums 2025–2026

Cigna Dental HMO Annual Premiums 2025–2026

Benefit Coverage Dates

For students who commenced program on or after July 1, 2023, medical/prescription and dental coverage is effective July 1, 2025–June 30, 2026.

For students who commenced program prior to July 1, 2023, medical/prescription and dental coverage is effective August 1, 2025–July 31, 2026.

Contact Us

For inquiries regarding your medical student health insurance enrollment, contact the NYU Langone Health Human Resources Department at 212-404-3787, or NYULMCBenefits@NYULangone.org.