If you’re a student or employee at New York University (NYU), you may be wondering about the health insurance options available to you. In this article, we’ll explore the various plans offered by NYU, the eligibility requirements, and frequently asked questions.
NYU Health Insurance Plans
NYU offers a variety of health insurance plans to its students and employees. These plans include:
Plan |
Details |
|---|---|
Student Health Insurance Plan (SHIP) |
Available to all NYU students, covers medical, mental health, and prescription drug costs |
Employee Health Insurance Plans |
Available to NYU employees, includes options for medical, dental, and vision coverage |
Graduate Assistant Health Plan (GAHP) |
Available to eligible graduate assistants, covers medical, mental health, and prescription drug costs |
Each plan has different costs and benefits, so it’s important to research which plan is best for you.
Student Health Insurance Plan (SHIP)
The Student Health Insurance Plan (SHIP) is available to all NYU students, including international students, and provides comprehensive healthcare coverage. Here are some key things to know about SHIP:
What Does SHIP Cover?
SHIP covers a wide range of medical services, including:
- Doctor visits
- Hospitalization
- Lab tests and x-rays
- Mental health and substance abuse treatment
- Prescription drugs
Students can also purchase optional dental and vision coverage.
How Much Does SHIP Cost?
The cost of SHIP varies depending on the student’s level of study and the length of coverage. For the 2021-2022 academic year, the cost for annual coverage is:
- Undergraduate students: $4,143
- Graduate students: $6,129
- Law and Doctorate of Physical Therapy students: $6,963
Students can also choose to purchase coverage for the summer semester, which costs an additional $1,381.
Do I Have to Enroll in SHIP?
All students are automatically enrolled in SHIP, but can waive the coverage if they have comparable insurance. To waive SHIP, students must submit proof of their insurance by the waiver deadline.
How Do I Use SHIP?
Students can use their SHIP insurance card to access healthcare services at NYU’s Student Health Center or any other healthcare provider that accepts their insurance.
What if I Have Questions or Need Help?
Students can contact the Student Health Insurance Office for assistance with enrollment, waivers, or other questions about their coverage.
Employee Health Insurance Plans
NYU offers a variety of health insurance plans to its employees, including medical, dental, and vision coverage. Here are some key things to know about the employee health insurance plans:
Medical Plans
NYU offers two medical plans for employees:
- Aetna Choice POS II
- Oxford Freedom Plan
Both plans provide comprehensive healthcare coverage, including doctor visits, hospitalization, prescription drugs, and mental health and substance abuse treatment.
How Much Do the Medical Plans Cost?
The cost of the medical plans varies depending on the employee’s salary and level of coverage. For the Aetna plan, employees pay a percentage of the premium based on their salary, ranging from 10% to 30%. For the Oxford plan, employees pay a flat rate based on their level of coverage.
What if I Have Questions or Need Help?
Employees can contact the NYU Benefits Resource Center for assistance with enrollment, coverage questions, or other benefits-related issues.
Dental Plan
The dental plan offered by NYU provides coverage for preventative, basic, and major dental services.
How Much Does the Dental Plan Cost?
The cost of the dental plan varies depending on the level of coverage selected. For example, for employee-only coverage, the cost ranges from $33 to $50 per month.
What if I Have Questions or Need Help?
Employees can contact the NYU Benefits Resource Center for assistance with enrollment, coverage questions, or other benefits-related issues.
Vision Plan
The vision plan offered by NYU provides coverage for eye exams, glasses, and contact lenses.
How Much Does the Vision Plan Cost?
The cost of the vision plan varies depending on the level of coverage selected. For example, for employee-only coverage, the cost is $7.17 per month.
What if I Have Questions or Need Help?
Employees can contact the NYU Benefits Resource Center for assistance with enrollment, coverage questions, or other benefits-related issues.
Graduate Assistant Health Plan (GAHP)
The Graduate Assistant Health Plan (GAHP) is available to eligible graduate assistants and provides comprehensive healthcare coverage. Here are some key things to know about the GAHP:
What Does the GAHP Cover?
The GAHP covers a wide range of medical services, including:
- Doctor visits
- Hospitalization
- Lab tests and x-rays
- Mental health and substance abuse treatment
- Prescription drugs
Graduate assistants can also purchase optional dental and vision coverage.
How Much Does the GAHP Cost?
The cost of the GAHP varies depending on the level of coverage selected. For example, for the 2021-2022 academic year, the cost for annual coverage for a graduate assistant only is $1,482.50.
Do I Have to Enroll in the GAHP?
All eligible graduate assistants are automatically enrolled in the GAHP, but can waive the coverage if they have comparable insurance. To waive the GAHP, graduate assistants must submit proof of their insurance by the waiver deadline.
How Do I Use the GAHP?
Graduate assistants can use their GAHP insurance card to access healthcare services at NYU’s Student Health Center or any other healthcare provider that accepts their insurance.
What if I Have Questions or Need Help?
Graduate assistants can contact the Student Health Insurance Office for assistance with enrollment, waivers, or other questions about their coverage.
Frequently Asked Questions
When Do I Need to Enroll in Health Insurance?
For students, enrollment in SHIP is automatic and coverage begins on the first day of classes for each academic term. For employees, enrollment in the health insurance plans occurs during open enrollment, which typically occurs in the fall.
Can I Waive NYU Health Insurance?
Yes, students and graduate assistants can waive NYU health insurance if they have comparable insurance. Employees may be able to waive health insurance if they have coverage through a spouse or domestic partner.
What Happens if I Don’t Have Health Insurance?
If you don’t have health insurance, you may be responsible for paying for any healthcare services you receive out of pocket. Additionally, you may face a penalty on your taxes if you don’t have insurance.
How Do I Find a Healthcare Provider?
You can find healthcare providers that accept NYU health insurance by visiting the insurance provider’s website and searching for in-network providers. You can also contact the NYU Student Health Center or the Benefits Resource Center for assistance.
What if I Have a Medical Emergency?
If you have a medical emergency, call 911 or go to the nearest emergency room. If you’re on campus, you can also contact the NYU Department of Public Safety for assistance.
What if I Have Additional Questions or Need Help?
If you have additional questions or need help with NYU health insurance, you can contact the Student Health Insurance Office or the Benefits Resource Center for assistance.
Overall, NYU offers a variety of health insurance options to meet the needs of its students and employees. Whether you’re a student looking for comprehensive coverage or an employee seeking dental and vision benefits, NYU has a plan that may work for you.