Student Health Insurance

General Information

Montclair State University requires all full-time undergraduate and graduate students as defined by the University (12 or more credits for undergraduate, 9 or more credits for graduate)to carry health insurance. The University offers a plan through United Healthcare as an option for coverage.

Premiums for 2016-2017                                                   Premium for Spring 2017

8/15/16 – 8/14/17                                                               1/9/17 – 8/14/17

Undergraduate Students         $1,605.00                               Undergraduate Students         $959.00

Graduate Students                 $3,033.00                               Graduate Students                 $1,811.00

Full time students are automatically enrolled in this plan and charged for the insurance premium. You have the option to stay enrolled or waive the plan if covered by another carrier. If students have completed a waiver in the Fall 2016 semester or have been enrolled in the coverage in the Fall 2016 semester, they are not required to complete the waiver/enrollment process again in the Spring 2017 semester. Details of your options can be found in Health Insurance Requirements and Options for Coverage.

  • Waivers must be completed by the established deadlines.
  • Copies submitted to UHC or any office does not constitute a waiver and is not acceptable.  All waivers must be completed online at firststudent.com.
  • Students who do not complete a waiver by the deadline will be automatically enrolled in the plan and will be responsible for the annual premium.
  • Students who waive their insurance in the fall may not enroll in the spring semester.
  • Following United Health Care requirements, the University reserves the right to make the final determination regarding eligibility for the initial and continued enrollment in this insurance plan.
  • A valid insurance card must be available when waiving the insurance. Pending insurance coverage or a letter from your employer or third company is not acceptable.
  • 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.
  • The Office of Student Accounts will send reminder emails to students that have not completed a waiver, this will be the only form of notification you will receive. It is very important that you review your MSU email and take action by the deadline.

DEADLINE: Spring 2017 insurance waiver and enrollment form must be submitted online at www.firststudent.com by January 30, 2017.

Unfortunately, part time students or dependents do not 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 at Health Insurance Requiremetns and Options for Coverage

Waiver Instructions

Students enrolled in a comparable health insurance plan may be eligible to waive the Student Health Insurance Plan.  If you already have health insurance coverage through your family spouse or employer, you may opt to waive the University Plan by completing a Health Insurance Waiver form online at www.firststudent.com.  

  1. Go to the Montclair State University First Student website.
  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.
  6. Print your confirmation page. If you do not receive a confirmation, your waiver was not submitted successfully.

Enrollment Instructions

Full time students who do not complete an insurance waiver will be automatically enrolled in the Student Health Insurance Plan. If a student would like to have access to the health insurance card prior to the open enrollment deadline of 1/30/17, the student must self-enroll in the insurance. After submitting the self-enrollment form, the student will have access to their card within 24 hours. If students do not self-enroll, they will be notified by United Healthcare of their enrollment with instructions on how to access to their card after the enrollment deadline of 1/30/17. You may opt to enroll in the University Plan by completing a Health Insurance enrollment form online at www.firststudent.com.  

  1. Go to the Montclair State University First Student website.
  2. Select “Enroll Now-Health Insurance” on the left hand side of the page, 1st tab
  3. Select “Enroll Now”
  4. Enter Student’s Date of Birth (mm/dd/yyyy) and Student’s CWID # to access the enrollment form.
  5. Complete the Enrollment Form with the required information.
  6. Print your confirmation page.

It is important that you review your bill on NEST periodically to ensure your account is credited after completing a waiver. Credits are applied to the student’s account within two-to-three business days after a waiver is received. If you are having a problem waiving your insurance, please send an email to waiverinsure@mail.montclair.edu.