Paul Sanchez
NYU offers health insurance plans for its students and employees. NYU requires that all students registered in degree-granting programs maintain health insurance and are automatically enrolled in the NYU-sponsored Student Health Insurance Plan. NYU's health insurance plans for employees meet federal requirements, except for payment for repatriation and medical evacuation. Spouses of students can be added to the student health insurance plan, and spouses of employees can benefit from free dental care under the Dental Assistance Plan. Students and employees are responsible for paying the incremental annual cost for each dependent added to their health insurance plan.
| Characteristics | Values |
|---|---|
| NYU's Dental Assistance Plan | Free dental care for full-time employees |
| NYU's Employee Health Insurance Plans | Do not meet federal requirements for payment for repatriation and medical evacuation |
| NYU's Student Health Insurance Plan | Students are automatically enrolled and billed |
| NYU's Student Health Insurance Plan | Students can waive the plan if they have alternate health insurance coverage that meets the University's minimum health insurance criteria |
| NYU's Student Health Insurance Plan | Students can add a spouse or domestic partner and/or a child under the age of 26 years as dependents |
| NYU's Student Health Insurance Plan | Students must complete the online enrollment application and make a payment at www.wellfleetstudent.com/nyu |
| NYU's Student Health Insurance Plan | Dependent enrollment is available from 8/1-9/30 for the Fall Semester and 12/10 for the Spring Semester |
| NYU's Student Health Insurance Plan | Early Law Students can enroll dependents as of 7/1 |
| NYU Langone Health's Medical Student Health Insurance Plan | NYU Langone Health covers the full cost of the UnitedHealthcare premium for individual medical and prescription coverage for all medical students |
| NYU Langone Health's Medical Student Health Insurance Plan | Students are responsible for paying the incremental annual cost for each additional dependent |
| NYU Langone Health's Medical Student Health Insurance Plan | Optional dental insurance through Cigna Dental Care HMO is offered to Medical Students |
| NYU Langone Health's Medical Student Health Insurance Plan | Medical students have the option to enroll in individual vision plans VSP |
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What You'll Learn
NYU health insurance for spouses of students
NYU requires that all students registered in degree-granting programs maintain health insurance. Most students are automatically enrolled and billed for the NYU-sponsored Student Health Insurance Plan, administered by Wellfleet Group, LLC, as part of the course registration process. All matriculated NYU students have access to services at the Student Health Center (SHC) whether or not they are enrolled in the NYU-sponsored Student Health Insurance Plan. However, for all other insurance plans, the SHC is out of network.
Students must complete the online enrollment/waiver process each academic year, beginning in the fall, to ensure they are enrolled in the plan of their choice. Students who wish to waive the NYU-sponsored Student Health Insurance Plan may follow the instructions provided on the NYU website.
A dependent may only be added to the student health insurance plan if the student is enrolled in the plan. Dependents include the student's spouse or domestic partner, and/or the student's child under the age of 26 years. To enroll eligible dependents, insured students must complete the online enrollment application and make a payment at www.wellfleetstudent.com/nyu by clicking on the Dependent Enrollment link from the menu on the left side of the webpage. Dependent enrollment must be completed separately from the student's online enrollment process and by the appropriate deadline. Dependents must be enrolled in the same plan and for the same time period as the covered student, unless there is a qualifying life event.
NYU's University Health Center on Broadway at the Washington Square campus is primarily a resource for students. However, the NYU Dental Clinic at 345 East 24th St. at 1st Ave. is also available. NYU College of Dentistry is a contracted provider for dental services covered under the State of New York Medicaid Governmental Plans and provides care under the State of New York Medicaid Managed Care and other programs. NYU Dentistry participates with Delta Dental PPO and accepts patients with Medicaid coverage. Certain plans require the patient to elect NYU College of Dentistry as their primary dental care provider.
If you are not enrolled with an insurance plan accepted at NYU Dentistry and you would like to receive treatment on a self-pay basis, an initial fee of $135 (effective April 15, 2019) must be paid during registration. Third-party financing options are available for patients requiring a payment plan.
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NYU health insurance for spouses of employees
NYU offers health insurance benefits to full-time salaried employees, who are required to pay a monthly premium for that insurance out of their paycheck. If you are unsure whether you will receive health insurance through NYU, you should consult your department. If you are part-time and not eligible for health insurance through NYU, the university encourages you to purchase a health insurance plan that meets your needs. Due to the high cost of healthcare in the US, NYU advises all scholars and their family members to have health insurance for the duration of their stay in the country.
Most of NYU's employee health insurance plans (excluding the High-Deductible Health Plan) meet all federal requirements, except payment for repatriation and medical evacuation. Therefore, all J-1 exchange visitors and J-2 dependents enrolling in NYU Employee health insurance must purchase a supplemental policy that will bring their full health coverage up to the minimum federal requirements. This can be purchased from Betins.
If you or your spouse are pregnant, make sure to confirm with the provider that the plan you've selected covers pregnancy as a pre-existing condition. Not all plans cover dependents, and in some cases, the J-1 must be enrolled in the health insurance plan for the J-2 to be eligible. NYU's University Health Center on Broadway at the Washington Square campus is primarily a resource for students, but full-time employees can use the center at times for immunization shots or vision care.
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NYU dental insurance for spouses of students
NYU requires that all students registered in degree-granting programs maintain health insurance. Most students are automatically enrolled and charged for the NYU-sponsored Student Health Insurance Plan as part of the course registration process.
NYU's Student Health Center (SHC) provides services at no cost or very low cost to all matriculated students. However, for students who are not on the NYU-sponsored Student Health Insurance Plan, the SHC is out of network. NYU also offers a Dental Assistance Plan for full-time employees, which provides some free dental care.
The NYU College of Dentistry offers the Stu-Dent plan, which provides dental services to full and part-time NYU students, as well as their partners and dependent children. The plan is also available to students enrolled in a 2- or 4-year accredited college or university within the United States. Stu-Dent services for NYU students are provided at the NYU Dental Faculty Practice at 726 Broadway, Suite 350, and for non-NYU students at the NYU College of Dentistry at 345 E. 24th Street.
The Stu-Dent plan offers a 20% discount on services not included in the plan. As a teaching institution, NYU College of Dentistry notes that appointments may take longer than in a private dental office, but fees are significantly lower than most private dentists.
NYU College of Dentistry is a contracted provider for dental services covered under the State of New York Medicaid Governmental Plans, including Medicaid Managed Care. It also participates with Delta Dental PPO. For those without insurance, NYU College of Dentistry accepts self-pay patients, with an initial fee of $135 (as of April 15, 2019) and a $75 fee for Emergency Services/Urgent Care.
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NYU dental insurance for spouses of employees
NYU offers a Dental Assistance Plan for full-time employees, which provides some free dental care. NYU's website does not specify whether spouses of employees are covered under this plan. However, NYU's College of Dentistry accepts patients with specific insurance plans, including Medicaid and Delta Dental PPO.
If you are enrolled with an insurance plan accepted at NYU Dentistry, you can receive treatment by paying an initial fee of $135 during registration. NYU Dentistry accepts various payment methods, including cash, checks, money orders, and credit cards.
For those who are not enrolled with an accepted insurance plan, NYU College of Dentistry offers third-party financing options through CareCredit, which allows patients to make low monthly payments on their treatment. CareCredit can be used on its own or in combination with existing dental insurance coverage.
Additionally, NYU's Dental Clinic is located at 345 East 24th Street, and appointments can be made by calling (212) 443-1313. The clinic's operating hours are Monday to Thursday, 8:30 am to 8 pm, and Friday, 8:30 am to 4 pm. After hours and on weekends, you can reach the clinic by calling 212-998-9800.
It is recommended that you consult with your health insurance provider to understand your specific coverage and any potential costs associated with dental care at NYU.
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Cost of NYU health insurance for spouses
NYU requires that all students enrolled in degree-granting programs maintain health insurance. Most students are automatically enrolled and charged for the NYU-sponsored Student Health Insurance Plan as part of the course registration process. NYU's Student Health Center (SHC) provides services at no cost or very low cost to all matriculated students. However, for all other insurance plans, the SHC is out of network.
Students who maintain alternative health insurance coverage that meets the University's minimum health insurance criteria may waive the NYU-sponsored plan. A dependent (spouse or child) can be added to the student health insurance plan if the student is enrolled in the plan. To enroll eligible dependents, insured students must complete the online enrollment application and make a payment.
NYU Langone Health covers the full cost of the UnitedHealthcare premium (annual cost to enrol) for individual medical and prescription coverage for all medical students enrolled at NYU Grossman School of Medicine. However, if you wish to enrol your spouse, domestic partner, or child on your medical and prescription plan, you are responsible for paying the incremental annual cost for each additional dependent.
The NYU Dental Clinic accepts patients with Medicaid coverage and provides care under the State of New York Medicaid Managed Care and other programs. NYU Dentistry participates with Delta Dental PPO, and as a courtesy, they will submit claims to other commercial insurance plans as an out-of-network provider. If you are not enrolled with an insurance plan accepted at NYU Dentistry and you would like to receive treatment on a self-pay basis, there is an initial fee of $135 (effective April 15, 2019).
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Frequently asked questions
The cost of adding a spouse to an NYU insurance plan varies depending on the type of plan and the school the student is enrolled in. NYU requires that all students enrolled in degree-granting programs maintain health insurance and offers an NYU-sponsored Student Health Insurance Plan. NYU Langone Health covers the full cost of the UnitedHealthcare premium for individual medical and prescription coverage for all medical students enrolled at NYU Grossman School of Medicine. Students at NYU Grossman School of Medicine are responsible for paying the incremental annual cost for each additional dependent. NYU's School of Medicine also offers optional dental insurance through Cigna Dental Care HMO to medical students, which they must pay for themselves. NYU's Dental Clinic is located at 345 East 24th St. at 1st Ave. and offers Medicaid and Medicare plans.
NYU-sponsored insurance plans require online enrollment and meet federal requirements, except for payment for repatriation and medical evacuation. NYU health insurance plans do not cover cosmetic services, prescription drugs, or surgery unless specified. They also do not cover services provided by a family member or benefits recovered or recoverable from mandatory automobile no-fault insurance.
To enroll a spouse in an NYU insurance plan, the student must first be enrolled in the plan. The student can then complete the online enrollment application and make a payment on the Wellfleet Student website.
Students who maintain alternate health insurance coverage that meets the University’s minimum health insurance criteria may waive the NYU-sponsored insurance plan. NYU recommends that students have health insurance coverage before traveling to the United States. The minimum coverage requirements for students traveling to the United States include medical benefits of at least $100,000 per accident or illness, payment for repatriation of remains in the amount of at least $25,000, payment for medical evacuation to the home country in the amount of at least $50,000, and a deductible not to exceed $500 per illness or accident.
