{"id":574,"date":"2017-12-14T20:10:51","date_gmt":"2017-12-14T20:10:51","guid":{"rendered":"http:\/\/www.montclair.edu\/red-hawk-central\/?page_id=574"},"modified":"2026-07-20T17:05:36","modified_gmt":"2026-07-20T21:05:36","slug":"student-health-insurance","status":"publish","type":"page","link":"https:\/\/www.montclair.edu\/red-hawk-central\/student-accounts\/student-health-insurance\/","title":{"rendered":"Student Health Insurance"},"content":{"rendered":"<p><strong>Please Note:<\/strong> Do not contact the Student Health Center with questions about the <a href=\"https:\/\/www.universityhealthplans.com\/montclair\">University\u2019s Health Insurance Plan<\/a>.<\/p>\n<h2>Insurance Cost &amp; Coverage Periods<\/h2>\n<p>The Student Health Insurance Plan will continue to be provided by Aetna Student Health. The plan complies with the Affordable Care Act benefit requirements and includes access to Aetna\u2019s national PPO network of providers. Students do not have to select a primary care physician, and referrals are not required. You can view the Plan Design and Benefits Summary located under Benefit Information in the left-hand side navigation menu.<\/p>\n<div class=\"prpl-row\"><div class=\"prpl-column one-half\"><span class=\"prpl-button full-width\"><a href=\"https:\/\/www.universityhealthplans.com\/letters\/letter.cgi?group_id=558\">University Health Plans<\/a><\/span><\/div><\/div>\n<p>&nbsp;<\/p>\n<table class=\"responsive\">\n<thead>\n<tr>\n<th><\/th>\n<th><strong>Annual Students<\/strong><\/th>\n<th><strong>New Spring Students<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Coverage Dates<\/strong><\/td>\n<td>August 15, 2026 \u2013 August 14, 2027<\/td>\n<td>January 2, 2027 \u2013 August 14, 2027<\/td>\n<\/tr>\n<tr>\n<td><strong>Undergraduate &amp; Graduate Insurance Cost<\/strong><\/td>\n<td>$3,170<\/td>\n<td>$1,954<\/td>\n<\/tr>\n<tr>\n<td><strong>Waiver Deadline Date<\/strong><\/td>\n<td>September 14, 2026<\/td>\n<td>February 23, 2027<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>Important Benefit Change for 2026\u20132027<\/h3>\n<p>The Student Health Insurance Plan includes a $250 annual pharmacy (prescription drug) deductible. Students must satisfy this deductible before eligible pharmacy (Rx) benefits are covered.<\/p>\n<ul>\n<li><a href=\"https:\/\/www.universityhealthplans.com\/pdf\/Montclair-Benefits-Coverage-2526.pdf\"><strong>2025-26 Summary of Benefits and Coverage<\/strong><\/a><\/li>\n<li><a href=\"https:\/\/www.universityhealthplans.com\/pdf\/Montclair-Benefits-Summary-2526.pdf\"><strong>2025-26 Plan Design and Benefit Summary<\/strong><\/a><\/li>\n<\/ul>\n<blockquote><p>Full-Time Students are Required to Have Health Insurance<\/p><\/blockquote>\n<p>We are committed to ensuring students have access to adequate health insurance coverage.<\/p>\n<p>All full-time students must have health insurance and are automatically charged for the Student Health Insurance Plan (SHIP) on their student account to ensure compliance. However, students have the opportunity to waive or opt out of SHIP by submitting proof of a comprehensive, Affordable Care Act (ACA)-compliant health insurance plan online through University Health Plans.<\/p>\n<p><strong>Please Note:<\/strong> Students enrolled exclusively in fully online degree programs are exempt from the health insurance requirement and are not automatically enrolled in SHIP. To see if your program qualifies, refer to the list of <a href=\"https:\/\/www.montclair.edu\/online\/online-degree-programs\/\">online degree programs<\/a> offered by 精品成人福利在线 University.<\/p>\n<p>Full-time students are defined as:<\/p>\n<ul>\n<li>Undergraduate students enrolled in twelve (12) or more credits.<\/li>\n<li>Graduate students enrolled in nine (9) or more credits.<\/li>\n<\/ul>\n<p>In addition, all F-1 visa students, part-time or full-time, must be insured with an ACA-compliant, filed, and approved policy in the U.S.<\/p>\n<div class=\"prpl-row\"><div class=\"prpl-column one-half\"><span class=\"prpl-button full-width\"><a rel=\"noopener\" href=\"http:\/\/www.montclair.edu\/red-hawk-central\/wp-content\/uploads\/sites\/59\/2025\/05\/Domestic-Waiver-Requirement-Student-Checklist-Comparison-Chart_DU12062023.pdf\" target=\"_blank\"><strong>Domestic Requirement Student Checklist<\/strong><\/a><\/span><\/div><div class=\"prpl-column one-half\"><span class=\"prpl-button full-width\"><a rel=\"noopener\" href=\"http:\/\/www.montclair.edu\/red-hawk-central\/wp-content\/uploads\/sites\/59\/2025\/05\/International-Waiver-Requirement-Student-Checklist-Comparison-Chart_Revised_02.17.2025.pdf\" target=\"_blank\"><strong>International Requirement Student Checklist<\/strong><\/a><\/span><\/div><\/div>\n<h2>How to Waive or Enroll<\/h2>\n<p><a name=\"waive\"><\/a><br \/>\n<div class=\"prpl-step-group\"><div class=\"prpl-step\"><div class=\"prpl-step-number\"><span class=\"label-part\">Step<\/span> <span class=\"number-part\">1<\/span><\/div>\n<div class=\"prpl-step-content\"><div class=\"prpl-drawer\"><div class=\"prpl-drawer-header\">Visit the University Health Plans Website<\/div><div class=\"prpl-drawer-content\">\n<p>You must either waive or enroll in the school-sponsored health insurance plan by visiting the <a href=\"https:\/\/www.universityhealthplans.com\/letters\/letter.cgi?group_id=558\">University Health Plans (UHP)<\/a> website.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"prpl-step\"><div class=\"prpl-step-number\"><span class=\"label-part\">Step<\/span> <span class=\"number-part\">2<\/span><\/div>\n<div class=\"prpl-step-content\"><div class=\"prpl-drawer\"><div class=\"prpl-drawer-header\">Waive OR Enroll in the University Health Insurance<\/div><div class=\"prpl-drawer-content\">\n<ul>\n<li>To waive, simply complete the <a href=\"https:\/\/www.universityhealthplans.com\/secure\/waiver.cgi?group_id=558\">Waiver Form<\/a> before the deadline.\n<ul>\n<li>A valid health insurance card must be available when submitting the insurance waiver.<\/li>\n<\/ul>\n<\/li>\n<li>To enroll, simply complete the<a rel=\"noopener\" href=\"https:\/\/www.universityhealthplans.com\/secure\/enrollment.cgi?group_id=558\" target=\"_blank\"> Enroll Form<\/a>. If you do not complete this form, you will automatically be enrolled and charged the student health insurance premium.<\/li>\n<li>If you do not act to waive or enroll, you will receive weekly reminders directly from University Health Plans (UHP).<\/li>\n<\/ul>\n<p><strong>Important Notes:<\/strong> The University reserves the right to audit all waivers to ensure compliance with the University&#8217;s insurance requirements. Copies of insurance cards and\/or insurance information submitted to the Office of Student Accounts or any other 精品成人福利在线 University Office or Portals (i.e., Student Health Center, Athletics Department, My Health Portal, etc.) do not constitute a waiver and is not acceptable. Pending insurance coverage, letters from employers or third companies, and coverage that begins after the SHIP effective date do not constitute an accepted\/submitted waiver.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"prpl-step\"><div class=\"prpl-step-number\"><span class=\"label-part\">Step<\/span> <span class=\"number-part\">3<\/span><\/div>\n<div class=\"prpl-step-content\"><div class=\"prpl-drawer\"><div class=\"prpl-drawer-header\">What Info Do I Need To Provide&quest;<\/div><div class=\"prpl-drawer-content\">\n<h3><strong>Domestic Students<\/strong><\/h3>\n<ul>\n<li><strong>Insurance Company Name:<\/strong> This is the name of the insurance carrier. If your insurance carrier is not listed, please select \u201cOther\u201d and enter the company\u2019s full name.<\/li>\n<li><strong>Member ID:<\/strong> This is a number found on the insurance ID card of your current health plan, sometimes referred to as a member or subscriber ID. It is different from the policy or group number. It is sometimes the Social Security Number of the policyholder. Type it in exactly as it appears on the card.<\/li>\n<li><strong>Type of Insurance:<\/strong> (HMO, PPO, Medicare, Medicaid, etc.)<\/li>\n<li><strong>Insurance Company Phone:<\/strong> This is the customer service or provider phone number usually found on the back of your insurance ID card or the insurance company website, which we can call to verify that the information you have provided is accurate.<\/li>\n<li><strong>Subscriber Name:<\/strong> This is the name of the individual who is the primary insured on the plan.\n<ul>\n<li><strong>Insured through your parents:<\/strong> it\u2019s either your mother or father, depending on whose plan it is<strong>.<\/strong><\/li>\n<li><strong>Insured through your employer:<\/strong> it\u2019s your name.<\/li>\n<li><strong>Covered under your spouse\u2019s insurance plan: <\/strong>it\u2019s your spouse\u2019s name.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Subscriber Relationship:<\/strong> This is the student\u2019s relationship with the primary insured.<\/li>\n<li><strong>Subscriber State:<\/strong> This is the state of the individual who is the primary insured on the plan.<\/li>\n<li><strong>Image of Health Insurance Card (Optional):<\/strong> To assist in a timely review of your insurance policy, we recommend uploading a copy of the front and back of your ID card and a summary of benefits. If you have been asked to provide supporting documentation in the past, this will help expedite your waiver review process.<\/li>\n<\/ul>\n<hr \/>\n<h3><strong>International Students<\/strong><\/h3>\n<ul>\n<li><strong>Insurance Company Name:<\/strong> This is the name of the insurance carrier. If your insurance carrier is not listed, please select \u201cOther\u201d and enter the company\u2019s full name.<\/li>\n<li><strong>Member ID:<\/strong> This is a number found on the insurance ID card of your current health plan, sometimes referred to as a member or subscriber ID. It is different from the policy or group number. It is sometimes the Social Security Number of the policyholder. Type it in exactly as it appears on the card.<\/li>\n<li><strong>Insurance Company Country:<\/strong> This is the country where the health insurance carrier is based.<\/li>\n<li><strong>Subscriber Name:<\/strong> This is the name of the individual who is the primary insured on the plan.\n<ul>\n<li><strong>Insured through your parents:<\/strong> it\u2019s either your mother or father, depending on whose plan it is.<\/li>\n<li><strong>Insured through your employer:<\/strong> it\u2019s your name.<\/li>\n<li><strong>Covered under your spouse\u2019s insurance plan:<\/strong> it\u2019s your spouse\u2019s name.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Subscriber Relationship:<\/strong> This is the student\u2019s relationship with the primary insured.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><div class=\"prpl-step\"><div class=\"prpl-step-number\"><span class=\"label-part\">Step<\/span> <span class=\"number-part\">4<\/span><\/div>\n<div class=\"prpl-step-content\"><div class=\"prpl-drawer\"><div class=\"prpl-drawer-header\">How To Know Your Waiver Is Applied<\/div><div class=\"prpl-drawer-content\">\n<p>The approval of your health insurance waiver does not remove the original charge from your student account; it authorizes the application of a \u201cHealth Insurance Waiver\u201d payment (credit) to offset the cost of the health insurance fee (refer to samples below). Both the charge and the waiver (payment\/credit) will remain listed on your semester invoice (account activity).<\/p>\n<p><strong>Please Note:<\/strong> <strong>The images below are examples of what will be displayed on a student account.<\/strong><\/p>\n<h3>Student Schedule and Bill<\/h3>\n<p>(Updated on the 1st &amp; 15th of the month)<\/p>\n<figure class=\"responsive-image-holder wp-caption alignnone\"><img decoding=\"async\" class=\"mlt-responsive-image\" data-original-image=\"\/red-hawk-central\/wp-content\/uploads\/sites\/59\/2022\/07\/2022-07-11-health-insurance-bill-sample.jpg\" src=\"\/responsive-media\/cache\/red-hawk-central\/wp-content\/uploads\/sites\/59\/2022\/07\/2022-07-11-health-insurance-bill-sample.jpg.0.1x.generic.jpg\" alt=\"Health Insurance Bill Sample\"\/><\/figure>\n<hr \/>\n<h3>Student Account Activity<\/h3>\n<p>(Reflects account activity in real time)<\/p>\n<figure class=\"responsive-image-holder wp-caption alignnone\"><img decoding=\"async\" class=\"mlt-responsive-image\" data-original-image=\"\/red-hawk-central\/wp-content\/uploads\/sites\/59\/2022\/07\/2022-07-11-student-account-activity-sample.jpg\" src=\"\/responsive-media\/cache\/red-hawk-central\/wp-content\/uploads\/sites\/59\/2022\/07\/2022-07-11-student-account-activity-sample.jpg.0.1x.generic.jpg\" alt=\"Student Account Activity Sample\"\/><\/figure>\n<\/div><\/div><\/div><\/div><div class=\"prpl-step\"><div class=\"prpl-step-number\"><span class=\"label-part\">Step<\/span> <span class=\"number-part\">5<\/span><\/div>\n<div class=\"prpl-step-content\"><div class=\"prpl-drawer\"><div class=\"prpl-drawer-header\">Get Access to Health Services<\/div><div class=\"prpl-drawer-content\">\n<p>Regardless of the type of insurance coverage you have, all 精品成人福利在线 University students are eligible to receive outpatient care at the Student Health Center on the <a href=\"https:\/\/www.montclair.edu\/student-health-center\/contact-us\/\">Montclair campus<\/a> or the <a href=\"https:\/\/www.bloomfield.edu\/bloomfield-campus\/health-and-wellness\/health-services\/\">Bloomfield campus<\/a>. Co-pay fees are not charged to the student.<\/p>\n<p>If you\u2019re enrolled in the University Health Plan, you can request your <a href=\"https:\/\/www.aetnastudenthealth.com\/en\/get-id-card.html\">Aetna ID Card<\/a> by selecting 精品成人福利在线 University and choosing \u201cGet Your ID Card.\u201d Enter your Student ID, date of birth and the email address on file. Your ID card will be securely emailed to you.<\/p>\n<p><strong>Please Note:<\/strong> The ID card cannot be viewed or printed directly from the webpage.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<h3>Need Help Waiving, Enrolling or Deciding?<\/h3>\n<p>Contact <a href=\"https:\/\/www.universityhealthplans.com\/letters\/letter.cgi?group_id=558\">University Health Plans<\/a> at <strong>(833) 251-1705<\/strong> or <a href=\"mailto:info@univhealthplans.com\">info@univhealthplans.com<\/a>.<\/p>\n<h2>Additional Information<\/h2>\n<ul>\n<li><strong>About University Health Plans:<\/strong> 精品成人福利在线 University partnered with University Health Plans (UHP) to administer our insurance process.<\/li>\n<li><strong>Early Termination is Not Permitted: <\/strong>精品成人福利在线 University and Aetna Student Health <strong>DO NOT<\/strong> prorate health insurance premiums or adjust effective dates of coverage. Students will not be removed from SHIP coverage based upon graduation, withdrawal from the University, or new insurance plan post-waiver deadline. SHIP coverage will remain in effect until the end of the policy period.<\/li>\n<\/ul>\n<h3>Health Insurance for International Students<\/h3>\n<blockquote><p>Effective January 1, 2025, state or federal subsidized health insurance plans will no longer meet the University\u2019s requirements for a health insurance waiver for international students on F-1 or J-1 visas.<\/p><\/blockquote>\n<ul>\n<li><strong>F-1 Visa Students: <\/strong>精品成人福利在线 University requires all F-1 Visa students, part-time or full-time, to be insured with an Affordable Care Act (ACA) compliant, filed and approved policy in the U.S.<\/li>\n<li><strong>J-1 Visa Students:<\/strong> J-1 visa holders must meet the US Department of State\u2019s health insurance minimums. Please see <a rel=\"noopener\" href=\"https:\/\/www.montclair.edu\/global\/health-insurance\/\" target=\"_blank\">Mandatory Health Requirements on The Office of Global Engagement site<\/a> and information on how to waive the university insurance.<\/li>\n<li>International students are recommended not to apply for any state or federally subsidized health insurance plans, such as NJ FamilyCare or NY Medicaid, or U.S. government-subsidized health insurance plan, because such plans may:\n<ul>\n<li>Conflict with representations the students made during the F-1 or J-1 visa process and\/or upon entering the United States; and<\/li>\n<li>Jeopardize the student\u2019s eligibility for future immigration benefits, such as applying for permanent residency or an H-1B visa.<\/li>\n<\/ul>\n<\/li>\n<li><strong>International students<\/strong> do not have access to the online enrollment form. They are automatically enrolled prior to the waiver deadline date. If an international student has a plan that is filed and approved in the United States, typically approved plans are offered through a US employer or embassy, then the student must email University Health Plans to request the link to the international student waiver form <a href=\"mailto:nfo@univhealthplans.com\">info@univhealthplans.com<\/a>.<\/li>\n<\/ul>\n<ul>\n<li>If your health insurance plan meets all of the waiver requirements you can request the International Student Waiver Form. International students do not have access to the online enrollment and waiver forms. You must get in touch with <a href=\"https:\/\/www.universityhealthplans.com\/montclair\">University Health Plans<\/a> at (833) 251-1705 or <a href=\"mailto:info@univhealthplans.com\">info@univhealthplans.com<\/a>.<\/li>\n<\/ul>\n<p><strong>Please Note:<\/strong> Health insurance plans marketed solely to International students are often not filed and approved in the U.S., have limited benefits, provider networks, and\/or coverage periods, and do not comply with the 精品成人福利在线 insurance requirements. GBG Insurance, HDL Global Specialty, ISO, PGH (United), PSI, Student Medicover, and Tata AIG are examples of companies that do not meet the waiver requirements.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Please Note: Do not contact the Student Health Center with questions about the University\u2019s Health Insurance Plan. Insurance Cost &amp; Coverage Periods The Student Health Insurance Plan will continue to be provided by Aetna Student Health. The plan complies with the Affordable Care Act benefit requirements and includes access to Aetna\u2019s national PPO network of [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":7792,"parent":96,"menu_order":14,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-574","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/www.montclair.edu\/red-hawk-central\/wp-json\/wp\/v2\/pages\/574","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.montclair.edu\/red-hawk-central\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.montclair.edu\/red-hawk-central\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.montclair.edu\/red-hawk-central\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/www.montclair.edu\/red-hawk-central\/wp-json\/wp\/v2\/comments?post=574"}],"version-history":[{"count":163,"href":"https:\/\/www.montclair.edu\/red-hawk-central\/wp-json\/wp\/v2\/pages\/574\/revisions"}],"predecessor-version":[{"id":8155,"href":"https:\/\/www.montclair.edu\/red-hawk-central\/wp-json\/wp\/v2\/pages\/574\/revisions\/8155"}],"up":[{"embeddable":true,"href":"https:\/\/www.montclair.edu\/red-hawk-central\/wp-json\/wp\/v2\/pages\/96"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.montclair.edu\/red-hawk-central\/wp-json\/wp\/v2\/media\/7792"}],"wp:attachment":[{"href":"https:\/\/www.montclair.edu\/red-hawk-central\/wp-json\/wp\/v2\/media?parent=574"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}