Health Insurance

Health Care in the United States can be very good but it is also very expensive. It is very important that all students have a health insurance plan to protect them in case they need Medical care.

Basic Coverage

Health insurance is mandatory for all full-time undergraduate and graduate students as defined by the University (12 or more credits for undergraduate, 9 or more credits for graduate). Montclair State University offers a student health insurance policy through United Healthcare which provides basic coverage.  Part-time students who wish insurance coverage and student dependents may also enroll in the United Healthcare plan.  Details regarding the United Healthcare plan can be found at www.firststudent.com.

For more information please click here

Other Health Insurance Plans

Since the University sponsored United Healthcare Plan provides quite minimal coverage, we recommend that students take out a separate plan that is designed especially for international students. When choosing the best health insurance plan for your needs, consider the following:

• The Premium – Cost of the coverage for a specific period of time

• What conditions does it cover? Does it exclude such conditions as maternity costs, pre-existing conditions, preventive care such as annual check-ups?

• Amount of the Deductible – This is the annual amount you must pay before the insurance will begin to cover the costs

• Are there co-payments? - This is the percentage of the bill that you are responsible for paying usually at the time of your doctor’s visit.

• Does it cover medical evacuation? – the cost of transferring you home in case of serious injury or illness.

• Does it cover repatriation? - the cost of transporting remains to home country in case of death.

International Services has brochures from several insurance companies that specialized in insuring international students. Stop by and take a look.