Health Insurance for Medical Students
NYU Grossman School of Medicine provides students with a comprehensive health insurance plan and generous benefits 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. NYU Langone Health covers the full cost of the UnitedHealthcare premium (annual cost to enroll) for individual medical and prescription coverage for all medical students enrolled at NYU Grossman School of Medicine. If you wish to include a spouse, domestic partner, or child on your medical and prescription plan, you are responsible for paying the incremental annual cost for each additional dependent.
As a registered student, you are automatically enrolled in individual coverage on our UnitedHealthcare plan during the first registered quarter of each academic year.
You cannot waive this coverage. You must take action by the annual enrollment deadline only if you wish to enroll dependents on your medical and prescription coverage or if you would like to enroll yourself or eligible dependents in dental coverage.
You can access the UnitedHealthcare dependent enrollment form and dental plan enrollment website on the Benefits Portal (Kerberos ID and password are required) under the tab labeled Enroll in Your Benefits.
Medical and Prescription Benefits
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.
You can access medical and mental health providers within the UnitedHealthcare Choice Plus Network, which is a broad national network. NYU Langone psychologists and psychiatrists are included in the plan’s network, providing medical students and dependents with expanded care to support emotional wellbeing.
Optional Dental Benefits
We offer optional dental insurance through Cigna Dental HMO. There are no changes to the dental plan design, and it will be the responsibility of the medical student to pay the full cost of the annual premium. 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.
Medical students have the option to enroll in individual vision plans through VSP. All the vision plan options provide an annual comprehensive eye exam and contact lens or frame allowance. You can review plan options, including coverage details, out-of-pocket costs and premiums, find an eye doctor, and enroll at any time by visiting vspdirect.com. If you have any questions or need assistance, contact VSP at 1-800-785-0699.
Medical students of NYU Grossman School of Medicine can receive a 10 percent discount on several elective out-of-pocket procedures at the NYU Langone Eye Center, including refractive surgery (PRK or LASIK), contact lens fittings, and contact lenses. The optical store at Preston Robert Tisch Center for Men’s Health also offers medical students package deals on frames and lenses ranging from $80 to $250. You can be fitted for and purchase the latest prescription eyewear including eyeglasses, sunglasses, and optical accessories.
Benefit Plan Details
You can access details about your medical and dental plans on the Benefits Portal (a Kerberos ID and password are required) by selecting the Learn About Your Options tab.
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 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 2023–2024
Student only: $0 (covered by NYU Langone Health)
Student and spouse: $5,781
Student and one child: $5,781
Student, spouse, and one child: $11,562
Student and two or more children: $11,562
Student, spouse, and two or more children: $17,343
Cigna Dental HMO Annual Premiums 2023–2024
Student only: $153.72
Student +1 Dependent: $263.76
Student and family: $395.52
Benefit Coverage Dates
For new incoming students who commence program on or after July 1, 2023, medical/prescription and dental coverage is effective July 1, 2023–June 30, 2024.
For continuing students who commenced program prior to July 1, 2023, medical/prescription and dental coverage is effective August 1, 2023–July 31, 2024.
For any inquiries regarding medical student health insurance enrollment, contact the NYU Langone Health Benefits Office at 212-404-3787, Monday through Friday, 8:30AM to 5:00PM. They can also provide day-to-day benefits assistance to students, faculty, physicians, and staff, who are already enrolled in one of our health insurance plans.