Student Health Insurance
Health insurance is MANDATORY for all full-time and part-time Upstate Medical University students. Students will be required to present proof of insurance for review and assurance of coverage at the time of their annual health assessment.
Hospitalization, emergency care and medical care obtained other than that provided at Student Health is not covered by the student health fee and must be submitted to the student's insurance carrier for payment.
Keep your health insurance identification card with you at all times.
Most students can now be covered by their parents' health insurance until age 26 if they have family coverage in effect. Additionally, students may be eligible to be covered under their parents plan until age 29 depending on your parent’s employer. Students who do not have health insurance are encouraged to obtain required insurance via the NYS Health Plan Insurance Market Place (https://nystateofhealth.ny.gov/ ), where information and guidelines regarding eligibility for various plans, including Medicaid, is provided. There are insurance Assistors /Navigators listed on the site to answer questions and help you through the process.
For information: http://www.dfs.ny.gov/consumer/faqs/faqs_S6030_Age29_young.htm
International Student Insurance
International students are required to have health insurance and medical evacuation and repatriation insurance prior to the start of classes. Information about international student insurance can be found at Haylor, Freyer & Coon, Inc. (http://www.haylor.com/ ) or by contacting the International Student Advisor or the Bursar’s Office.
Graduate Assistants (GSEU represented employees)
For MD/PhD or PhD students receiving a stipend, the Graduate Student Employee Union Health Insurance (GSEU) is an insurance option available to you. Sign-up for this insurance is at Orientation.
Student Health and Health Insurance Q & A
Where Do I Go for Healthcare on Campus?
The Student Health Office, located on the 4th floor of Jacobsen Hall, is the place to come for routine and acute care. Medical care provided by practitioners at Student Health is covered by the student health fee. You will not be billed for these services. However, if you require diagnostic tests, hospitalization or referral to a specialist you are responsible for these expenses and need to have health insurance in place to cover these costs.
Why Does a Healthy Person Need Health Insurance?
Even though Student Health may be able to provide care for many health concerns during regular hours of operation, insurance is necessary to cover any other healthcare costs. An unforeseen illness requiring hospitalization or specialized treatments can cost tens of thousands of dollars. Without health insurance, this type of debt can take many years to pay off.
Health insurance that provides adequate coverage can also help avoid serious illness. Persons with coverage are more likely to undergo recommended screening and seek care earlier when signs of illness arise. Diagnostic testing can be ordered by your healthcare provider based on medical necessity rather than needing to factor in your ability to pay out of pocket. Adequate medical insurance also facilitates referral to other specialists or medical facilities than may be reluctant to initiate care if insurance is not in place.
What Is Adequate Insurance?
You get what you pay for. Low cost policies that provide limited coverage only for catastrophic illness are not advisable. The chances of suffering this type of health problem is much less than fracturing a bone or needing your appendix removed, which may not be covered adequately by this type of policy.
Your insurance should have a reasonable deductible (the amount you pay before the insurance begins to pay), perhaps no more than $250 dollars. Once you exceed the deductible it should pay the major part of the medical bill, for example 80% or more. If you have to go for a doctor’s visit or a test, you may still be responsible for a co-pay, which should also be reasonable at $10-25. Medications can be expensive, so prescription coverage is advised.
What about Health Insurance for Upstate Students?
Health insurance is mandatory for Upstate students and must be in effect while you are a student here without any lapse in coverage. Most students are covered by their parents' health insurance until age 26 if they have family coverage in effect. Students no longer eligible for coverage under their parent’s plan may obtain coverage through the NYS Health Plan Insurance Market Place (https://nystateofhealth.ny.gov/ ), where information and guidelines regarding eligibility for various plans, including Medicaid, is provided.