Health Insurance

Pursuant to New Jersey law, Montclair State University is required to offer student health insurance coverage to its full-time undergraduate and graduate students as defined by the University (12 or more credits for undergraduate, 9 or more credits for graduate). The current plan being offered for Academic Year 2014-2015 is through United Healthcare. Full time students are automatically billed for the full amount of the insurance on their term bill by the Office of Student Accounts. If you already have health insurance coverage through your parents, spouse or self employment, you can opt to waive the Health Insurance Fee by providing evidence via the Health Insurance Waiver form online at www.firststudent.com.

With the passage of the Federal Patient and Affordability Care Act (PPACA), the Federal Government now requires that all citizens be covered by a PPACA compliant plan or they will be subject to tax liabilities beginning January 2014. Effective fall 2013, Montclair State University will continue to offer all full-time students health insurance through United Health Care.

Unfortunately, part time students no longer have an opportunity to purchase insurance through United Health Care. However, part time students who wish to purchase an individual insurance policy can find information on the following link:

http://www.state.nj.us/dobi/division_insurance/ihcseh/shop_ihc.htm

Details regarding the United Health care plan can be found at: www.firststudent.com/schools/MontclairStateUniversity.htm. Student dependents may also enroll in the United Healthcare plan for an additional premium cost. We encourage our students to investigate their healthcare insurance options to find the most affordable choice for themselves. The fee for a spouse for the 2014=2015 annual term is $7,394. The fee to enroll each child for the annual plan is $4,374.

2013-2014 Brochure

http://www.firststudent.com/cms/files/Flyer_Montclair_v3_6_26_13_Single_Pages_WEB_ID143957.pdf

The 2014-2015 brochure will be published shortly.

Policy rates for 2014-2015 are:

 
Coverage Period

Annual Rate

8/15/14 - 8/14/15

Spring/Summer

1/01/15 - 8/14/16

Full-time Undergraduate Student (12-18 Credits)
$1,502.00
$650.00
Full-time Graduate student (9+Credits)
$2,152.00
$932.00

Enrollment/Waiver Instructions:

All full time students are required to provide proof of coverage or to accept the health plan. You must waive or enroll in the school-sponsored insurance plan each academic year.  If after completing the waiver, your information changes you will need to resubmit the updates via fax (973)-655-4421 or email waiverinsure@mail.montclair.edu.  You will not be able to complete another waiver.

You may waive coverage under this plan if you have health insurance that meets all of the University plan requirements and is approved by the University. You will need to provide information about your coverage in the waiver section.

Important Notes: 

  • All enrollment or waiver selection must be completed by the deadlines listed below at www.firststudent.com

  • Students who do not respond by the deadline will be automatically enrolled in the plan and will be responsible for the annual premium.

  • Students that waive their insurance in the fall cannot enroll in the spring/summer semesters.

  • The University reserves the right to make the final determination regarding eligibility for the initial and continued enrollment in this insurance plan.

  • The University reserves the right to audit all waivers in order to ensure compliance with the University insurance requirements. Please be sure to have a copy of your insurance policy as you may be asked to provide this documentation.

  • Copies submitted to the Health Center or any office does not constitute a waiver and is not acceptable.  All waivers must be completed online via http://www.firststudent.com/schools/MontclairStateUniversity.htm

  • United Health Care will no longer mail insurance cards. UHC will email the student his/her login information you will then be able to print out your insurance card.

Waiver Deadline:

 If you do not waive the coverage by the designated deadline, you will be automatically enrolled in the school-sponsored plan and charged the applicable premium. No exceptions, extensions or appeals will be accepted.

 

In Order to Complete the Waiver Card Below, You Will Need the Following:

  • Your current health insurance plan ID card.

  • Your health insurance brochure or plan description.

 Please go to www.firststudent.com and follow the instructions as indicated OR click

WAIVE NOW  to complete the waiver.

 

WAIVER INSTRUCTIONS for 2014-2015 HEALTH INSURANCE

DEADLINE: SEPTEMBER 26, 2014

Full time students are automatically billed for the full amount of the insurance on their term bill by the Office of Student Accounts. If you already have health insurance coverage through your parents, spouse or self-employment, you can opt to waive the Health Insurance Fee by providing evidence via the Health Insurance Waiver form online at www.firststudent.com

Instructions:

  1.  Go to http://www.firststudent.com/schools/MontclairStateUniversity.htm

  2.  Select “Waive Your School’s Health Insurance” on the left hand side of the page, 2nd tab

  3.  Select “Waive Now”

  4.  Enter Student’s Date of Birth (mm/dd/yyyy) and Student’s CWID # to access the waiver form.

  5.  Complete the Waiver Form with the required health insurance information. Do not leave any fields blank.

 

 

 

 

 

      

 

  Important Notes: 

  •  If you do not waive coverage by the designated deadline, you will be automatically enrolled in the school-sponsored plan and charged the applicable premium. Once enrolled, there are no refunds, cancellations or appeals accepted.

  •  Copies submitted to the Health Center or any office does not constitute a waiver and is not acceptable.  All waivers must be completed online via http://www.firststudent.com/schools/MontclairStateUniversity.htm

  •  If you recently became a full time student, please allow 5 business days to allow your information to reflect on www.firststudent.com

  •  If you receive a message that your student information was not found in the system or you cannot enter the waiver site, please send an email with your name, CWID # and brief explanation to waiverinsure@mail.montclair.edu  

  • If a confirmation page does not appear, your waiver was not submitted successfully.

  •  Students that waive their insurance in the fall cannot enroll in the spring/summer semesters.

 

 ENROLLMENT INSTRUCTIONS for 2014-2015 HEALTH INSURANCE

DEADLINE: SEPTEMBER 26, 2014     

If you need your insurance PRIOR to the automatic enrollment, please go to ttp://www.firststudent.com/schools/MontclairStateUniversity.htm and follow the Hard Waiver Student Enrollment Instructions. You will be able to print a ID card within 24 hours.  If you need insurance but do not need to enroll before the start of the semester, you will automatically be enrolled. United Health Care will email you your login information to print out your insurance cards. UHC will no longer mail insurance card.  

Instructions:
  1. Go to http://www.firststudent.com/schools/MontclairStateUniversity.htm

  2.  Select “Enroll Now-Health Insurance” on left side of the page.

  3.  Select “Enroll Now”

  4. Enter Student’s Date of Birth (mm/dd/yyyy) and Student ID # to access the Enrollment Form in the appropriate Date of Birth format – Month Date Year

  5.  Complete the Form with the required information needed.  Do not leave any fields blank.

 

 

Important Notes: 

  • If you receive a message that your student information was not found in the system or you cannot enter the waiver site, please send an email with your name, CWID # and brief explanation to waiverinsure@mail.montclair.edu 

  •  United Health Care will no longer mail insurance cards. UHC will email the student his/her login information you will then be able to print out your insurance card.