Jeffrey Wade
Montclair State University offers health insurance to its students. The Student Health Insurance Plan (SHIP) is provided by Aetna Student Health and complies with the Affordable Care Act benefit requirements. All full-time students on both the Montclair and Bloomfield campuses are required to have adequate health insurance coverage. Students who do not complete a waiver by the deadline date will be automatically enrolled in the plan for the full academic year and will be responsible for the full cost. International students are recommended not to apply for any state or federally subsidized health insurance plans, such as NJ FamilyCare or NY Medicaid, as such plans may conflict with representations made during the visa process.
| Characteristics | Values |
|---|---|
| Insurance provider | Aetna Student Health |
| Insurance plan name | Student Health Insurance Plan (SHIP) |
| Insurance type | PPO |
| Insurance requirements | Complies with the Affordable Care Act benefit requirements |
| Insurance opt-out option | Yes, by providing evidence of a comprehensive Affordable Care Act (ACA)-compliant health insurance plan online to University Health Plans |
| Insurance opt-out deadline | Monday, September 16, 2024 |
| Insurance waiver option | Yes, for international students with F1 or J1 visas |
| Insurance waiver deadline | February 24, 2025, for Spring 2025 students |
| Insurance premium prorated | No |
| Insurance coverage adjustment | No |
| Insurance coverage termination | Coverage will remain until the end of the policy period |
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What You'll Learn
- Montclair State University requires all full-time students to have health insurance
- Students can opt out of the Student Health Insurance Plan (SHIP) by providing evidence of an alternative ACA-compliant plan
- International students are advised against applying for state-subsidized health insurance plans
- Montclair State's Student Health Insurance Plan is provided by Aetna Student Health
- Students must submit a health insurance waiver online if they do not want or need the Student Health Insurance Plan
Montclair State University requires all full-time students to have health insurance
Students who do not complete a waiver by the deadline will be automatically enrolled in SHIP for the full academic year and will be responsible for the full cost. The waiver form must be completed each academic year, and late waivers will not be accepted. Students are encouraged to enrol in their chosen health insurance plan as soon as possible so that they can access coverage when the plan year begins.
International students are not eligible for Medicare, and plans marketed solely to international students often do not comply with Montclair State insurance requirements. Montclair State J-1 students must carry medical and accident insurance that meets the minimum requirements set by the Department of State. Exchange students can purchase Montclair State's student coverage or bring their own, providing it meets the Department of State's requirements.
Students can compare student medical insurance plans and make an informed choice. Montclair State University has partnered with University Health Plans to administer the plan and help with any queries regarding waivers, enrolment, or benefits.
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Students can opt out of the Student Health Insurance Plan (SHIP) by providing evidence of an alternative ACA-compliant plan
Montclair State University requires all full-time undergraduate and graduate students to have health insurance. Full-time students are automatically enrolled in the University-Sponsored Student Health Insurance Plan (SHIP) and charged for the insurance premium. Students can opt out of the Student Health Insurance Plan (SHIP) by providing evidence of an alternative, comprehensive, and Affordable Care Act (ACA)-compliant health insurance plan online to University Health Plans (UHP).
Students who do not complete a waiver by the deadline date will be automatically enrolled in the plan for the full academic year and will be responsible for the full cost. The waiver form must be completed each academic year. Late waivers will not be accepted. Students are encouraged to enrol in the health insurance plan as soon as possible so they can have access to coverage when the plan year begins.
To waive the University Health Insurance, students must go to the UHP website. Students must provide proof of alternative coverage by completing the online waiver before the deadline. The deadline for waivers for new Spring 2025 students is February 24, 2025. Students must also submit a copy of their insurance policy, as they may be asked to provide documentation. A valid health insurance card must be available when submitting the insurance waiver.
It is important to note that copies of insurance cards and/or insurance information submitted to the Office of Student Accounts or any other Montclair State University office or portals do not constitute a waiver and are 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.
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International students are advised against applying for state-subsidized health insurance plans
Montclair State University requires all full-time undergraduate and graduate students to carry health insurance. Full-time students are automatically enrolled in the University-Sponsored Student Health Insurance Plan (SHIP) and charged for the insurance premium. Students who do not wish to be enrolled in SHIP must submit a health insurance waiver online and provide proof of alternative coverage.
Instead, international students at Montclair State University can either purchase the university's student coverage or bring their own from their country, as long as it meets the minimum requirements set by the Department of State. For example, J-1 visa holders are required by the US Department of State to have an insurance plan with a deductible that does not exceed $500 per injury or sickness and medical benefits of at least $100,000 per accident or illness.
It is important to note that health insurance is critical for international students' peace of mind when studying in the US, as medical care in the country is expensive. Without health insurance, students may have restricted access to health services and may have to choose between paying tuition or medical bills in the event of an illness or accident. Therefore, it is recommended that international students enroll in a health insurance plan that meets the university's requirements and provides comprehensive coverage.
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Montclair State's Student Health Insurance Plan is provided by Aetna Student Health
Montclair State University requires all full-time undergraduate and graduate students to have health insurance. Full-time students are automatically enrolled in the University-Sponsored Student Health Insurance Plan and charged for the insurance premium. The Montclair States Student Health Insurance Plan is provided by Aetna Student Health and complies with the Affordable Care Act benefit requirements. Students do not have to select a primary care physician and referrals are not required. Aetna Student Health gives students access to care by working closely with the university and with a network of doctors, hospitals, pharmacies, and specialists throughout the country.
Students who do not complete a waiver by the deadline date will be automatically enrolled in the plan for the full academic year and will be responsible for the full cost. Students who wish to waive the Student Health Insurance Plan must provide proof of alternative coverage by completing the online waiver before the deadline. The waiver form must be completed each academic year, and late waivers will not be accepted. Students are encouraged to enrol in the health insurance plan as soon as possible so they may have access to coverage when the plan year begins.
Doctoral students completing their dissertations who wish to enrol in the University-sponsored Student Health Insurance Plan may petition by emailing Danisha Goodman at [email protected]. J-1 exchange students can purchase Montclair State's student coverage or bring their own from their home country, as long as they meet the requirements set by the Department of State.
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Students must submit a health insurance waiver online if they do not want or need the Student Health Insurance Plan
Montclair State University requires all full-time undergraduate and graduate students to have health insurance. Full-time students are automatically enrolled in the University-Sponsored Student Health Insurance Plan (SHIP) and charged for the insurance premium. However, students who already have health insurance can choose to waive the Student Health Insurance Plan by submitting an online waiver and providing proof of alternative coverage. This waiver must be completed by the deadline, and a new waiver must be submitted every academic year.
Students on an F-1 or J-1 visa are not allowed to waive the plan unless they are on a US-based employer plan through a US-based insurance company. J-1 students must carry medical and accident insurance that meets the minimum requirements set by the Department of State. This includes medical benefits of at least $100,000 per accident or illness and expenses associated with the medical evacuation of exchange visitors to their home country in the amount of $50,000.
To waive the Student Health Insurance Plan, students must provide evidence of a comprehensive Affordable Care Act (ACA)-compliant health insurance plan online to University Health Plans. The plan must meet the University's general requirements, including being a US-based plan filed and approved in the US, with no major exclusions, and providing year-round coverage for the duration of the student's time at the University. The plan document must be in English, with currency amounts converted to US dollars, and the insurance company must have a contact phone number in the US. All claims must be processed and paid directly to US providers.
Students who do not complete a waiver by the deadline will be automatically enrolled in the Student Health Insurance Plan for the full academic year and will be responsible for the full cost. Students are encouraged to enrol in health insurance as soon as possible to have access to coverage when the plan year begins. It is important to note that health insurance plans marketed solely to international students may not comply with Montclair State insurance requirements, and students should carefully review the requirements before submitting a waiver.
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Frequently asked questions
Montclair State University does offer medical insurance to its students. The Student Health Insurance Plan (SHIP) is provided by Aetna Student Health and complies with the Affordable Care Act benefit requirements.
Full-time Montclair State University students are automatically enrolled in the University-Sponsored Student Health Insurance Plan and charged for the insurance premium. Students who do not wish to be enrolled in the plan can submit a health insurance waiver online.
Students must provide proof of alternative health insurance coverage by completing the online waiver before the deadline. A valid health insurance card must be available when submitting the insurance waiver.
