Understanding The Process Of Removing Nyu Health Insurance Charges From Your Bill

Students at NYU are automatically enrolled in and billed for the NYU-sponsored student health insurance plan as part of the course registration process. However, students who wish to waive the NYU-sponsored plan can do so by following the instructions provided by the university. The waiver process must be completed online, and students will need their Student ID number, insurance ID card, and plan policy details for their alternate insurance coverage. The deadline for waiving the NYU plan is typically a few months after the online enrollment/waiver system becomes available. It is important to note that students must complete the waiver process each academic year, as selections from previous years are not rolled forward or renewed. After completing the waiver process, the health insurance charge will be removed from the student's Bursar's Account within 3 business days.

Deadlines for enrolling in NYU health insurance plans

For students whose first semester is in the Fall, the online enrollment/waiver system becomes available on June 27, and the deadline for enrolling in NYU health plans is September 30.

For students whose first semester is in the Spring, the online enrollment/waiver system becomes available on November 15, and the deadline for enrolling is February 10.

For students whose first semester is in the Summer, the online enrollment/waiver system becomes available on April 5, and the deadline for enrolling is June 5.

It is important to note that students must complete the online enrollment/waiver process each academic year, beginning in the Fall, to ensure they are enrolled in their desired plan. NYU requires that all students registered in degree-granting programs maintain health insurance coverage.

Deadlines for waiving NYU health insurance plans

Students who are enrolled in an NYU-sponsored health insurance plan for the Spring semester will continue to be covered for the Summer semester at no additional charge. Students who submitted a waiver during the current academic year do not have to file another waiver for the Summer term, but they will have to file a new waiver for the next academic year beginning in the Fall.

Students who wish to waive NYU health insurance must complete the online waiver process each academic year, beginning in the Fall. Waiver selections from previous academic years are not rolled forward or renewed. Students must have their student ID number, insurance ID card, and plan policy details for their alternate insurance coverage on hand before accessing the online system.

Students who waive the NYU-sponsored health insurance plan and then lose their insurance due to divorce, loss of employment, termination of coverage due to age, or a similar reason may enroll in an NYU-sponsored health insurance plan by submitting a Petition to Change Insurance Form to the Student Health Insurance Department.

How to waive NYU health insurance plans

To waive NYU's student health insurance plans, students must complete the online enrollment/waiver process each academic year, beginning in the fall. This process allows students to:

• Ensure they are enrolled in the plan of their choice.
• Supplement their current insurance with an NYU-sponsored plan.
• Waive the NYU-sponsored plans if they have alternate health insurance coverage that meets the university's minimum health insurance criteria.

The waiver criteria for domestic students include:

• The insurance company must be headquartered and operating in the US, with a US claims address and customer service telephone number.
• The insurance coverage must remain in effect for the entire academic year.
• The plan must provide inpatient hospitalization benefits for medical/surgical, mental health, substance abuse, and alcohol-related illness or injury in the New York City area.
• The plan must provide outpatient benefits (including office visits and laboratory and radiology procedures) in the New York City area. Coverage limited to emergency care does not satisfy this requirement.
• The maximum benefit payable under the insurance plan must be unlimited per accident/illness.

International students have the same criteria as domestic students, with some additional requirements:

• No waiting period for pre-existing conditions.
• Policy deductible not to exceed $1,500 per policy year.
• Medical Evacuation coverage of at least $50,000 USD.
• Repatriation of remains coverage of at least $25,000 USD.

It is important to note that students with F-1 or J-1 visa status are automatically enrolled in and billed for the NYU-sponsored student health insurance comprehensive plan upon registration each semester. However, F-1 students may elect to enroll in the basic coverage, which has higher out-of-pocket expenses but provides the same coverage.

To waive the NYU health insurance plan, students can follow these steps:

• Visit the NYU Student Health Insurance website at www.nyu.edu/health/insurance during the appropriate time period. The online enrollment/waiver system typically becomes available in June for the fall semester, November for the spring semester, and April for the summer semester.
• Click on the box that indicates "Enroll in or Waive out" at the top of the page.
• Select "Waive" and follow the instructions.
• Confirm your enrollment selection to process your request.
• Print the Confirmation of Status letter and save a copy for your records. An email with this information will also be sent to the student.

The deadline to waive the NYU health insurance plan for the Fall semester is September 30th, for the Spring semester is February 10th, and for the Summer semester is June 5th.

How to enrol in NYU health insurance plans

New York University requires that all students enrolled in degree-granting programs maintain health insurance. The high cost of healthcare in the United States can present a serious financial risk to students, and the absence of adequate insurance coverage can result in temporary or permanent interruption of your education.

Most students are automatically enrolled and charged a premium for an NYU-sponsored student health insurance plan as part of the course registration process. However, if you wish to enrol in a different plan, you can do so by completing the online enrolment process at www.nyu.edu/health/insurance before the appropriate deadline.

• Before accessing the online system, make sure you have your student ID number handy.
• Go to the NYU Student Health Insurance website at www.nyu.edu/health/insurance during the appropriate time period. The online enrolment/waiver system typically becomes available in June for the Fall semester, November for the Spring semester, and April for the Summer semester.
• Click on the box that indicates "Enrol in or Waive out" at the top of the page.
• Select "Enrol" and follow the instructions. You will need to confirm your enrolment selection at the end of the process for your request to be processed.
• After completing the online selection process, you can print out a Confirmation of Status. A confirmation will also be sent to the email address you provided. It is important to save a copy of this document for your records.
• If you are enrolling dependents in an NYU-sponsored student health insurance plan, you will need to complete the online enrolment process and make a payment at www.wellfleetstudent.com/nyu by clicking on the Dependent Enrolment link. Dependent enrolment is available from August 1st to September 30th.
• If you are an eligible graduate student employee, you may elect to change your individual coverage from the plan you are automatically enrolled in to the other plan by the September 30th enrolment deadline.

It is important to note that adding or dropping courses during the registration period may affect your automatic enrolment in a school-sponsored insurance plan. Therefore, it is recommended to confirm your enrolment status before the appropriate semester deadline to ensure your coverage. Additionally, online enrolment selections from previous academic years are not rolled forward or renewed, so you will need to enrol each year to ensure coverage in your preferred plan.

How to maintain NYU health insurance after graduation

Unfortunately, there is no option to continue coverage under the NYU-sponsored health plan after graduation. However, there are several other options for maintaining health insurance after graduating from NYU. Here is a detailed and direct guide on how to maintain health insurance after graduating from NYU:

Before Graduation:

• If you are enrolled in the NYU-sponsored Student Health Insurance Plan, pay the annual health insurance charge at the time of fall registration. This will ensure your coverage continues through to the following August 20, even if you graduate before then.
• If you are on a different insurance plan, check with your provider to understand if and when your coverage will end after graduation.

After Graduation:

• If you are under 26, you may be able to join your parent's insurance plan. Note that if your parent is on an employer plan, you may only have 30 days to sign up.
• Your spouse may be able to add you to their insurance plan. Again, note that if their insurance is an employer plan, you may only have 30 days to sign up.
• If you already have a job lined up, check if your employer offers an insurance plan and when it becomes effective.
• Sign up for your own plan on HealthCare.gov. You may be eligible for tax credits to reduce your monthly costs. Open enrollment for coverage starting on August 1 runs from June 16 through July 15.
• If you have no or low income, you may be eligible for free Medicaid coverage in certain states.

It is important to plan ahead and understand your options to ensure you maintain health insurance coverage after graduating from NYU.

Frequently asked questions