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Student Health Insurance

Students are Required to Have Health Insurance

Montclair State University is committed to ensuring all full-time students have access to adequate health insurance coverage. For health insurance purposes, full-time* is defined as:

  • Undergraduate students enrolled in twelve (12) or more credits.
  • Graduate students enrolled in nine (9) or more credits.

Full-time* students (as defined above) have the opportunity to waive/opt out of the Student Health Insurance Plan (SHIP) by providing evidence of a comprehensive Affordable Care Act (ACA) compliant health insurance plan online to University Health Plans. To ensure compliance, students are automatically billed for the SHIP and will be automatically enrolled if a waiver is not submitted online by Monday, February 27, 2023.

Waiver Appeal Information

Students who did not submit a student health insurance waiver request by the spring deadline, and were enrolled in the SHIP, have the opportunity to submit a health insurance waiver appeal to UHP to request a waiver of the coverage. The deadline to submit a health insurance waiver appeal is Wednesday, March 22, 2023. When available, you may visit the University Health Plans (UHP) site and complete the Waiver Appeal Form. If you have questions about the appeal or enrollment process and/or the insurance plan or requirements, please call a University Health Plans representative at 833-251-1705 or e-mail info@univhealthplans.com for assistance.

Please Note: Copies of insurance cards and/or insurance information submitted to the Office of Student Accounts or any other Montclair State University Office or Portals (i.e., Student Health Center, Athletics Department, My Health Portal, etc.) does not constitute a waiver and is not acceptable.

University Health Plans

Montclair State University partnered with University Health Plans (UHP) to administer our insurance process. UHP will help with completing your waiver or enrollment information. They will also be available to assist you with benefit-related questions. University Health Plans can be reached at (833) 251-1705 (new phone number) or info@univhealthplans.com.

Plan Highlights

The Student Health Insurance Plan will continue to be provided by Aetna Student Health. The plan complies with the Affordable Care Act benefit requirements and includes access to Aetna’s national PPO network of providers. Students do not have to select a primary care physician and referrals are not required. You can view the Plan Design and Benefit Summary located under Benefit Information in the left-hand side navigation menu.

In order to keep the premium competitive, the following benefit changes were made: Deductible increased to $350 preferred care/$700 non-preferred care, Out of Pocket Maximum increased to $7,000 preferred care/$14,000 non-preferred care, and preferred care outpatient Physical Therapy/Occupational Therapy/Speech Therapy changed from $25.00 copay to 80% coinsurance.

View the 22-23 Plan Design and Benefit SummaryView the 22-23 Summary of Benefits and Coverage

Insurance Cost & Coverage Periods

Annual Students New Spring Students
Coverage Dates August 15, 2022 – August 14 , 2023 January 2, 2023 – August 14, 2023
Undergraduate and Graduate Insurance Cost $2,450 $1,510
Waiver Deadline Date September 19, 2022 February 27, 2023

**All full-time students (as defined above) are required to have health insurance and automatically have the cost of the health insurance charged to their student account. You are responsible to submit a health insurance waiver online if you do not want/need the school sponsored health insurance.**

New Spring Students Insurance Cost & Coverage Periods: January 2, 2023 – August 14, 2023 | $1,510

International Student Waiver Process

Montclair State University requires all international students to be insured with an ACA compliant, filed and approved policy in the U.S.

Please Note: Health insurance plans marketed solely to International students are often not filed and approved in the U.S., have limited benefits, provider networks and/or coverage periods that do not comply with the Montclair State insurance requirements. GBG Insurance, HDL Global Specialty, ISO, PGH (United), PSI, Student Medicover and Tata AIG are examples of companies that do not meet the waiver requirements.

J-1 Visa Students: J-1 visa holders must meet the US Department of State’s health insurance minimums. Please see Mandatory Health Requirements on The Office of Global Engagement site and information on how to waive the university insurance.

If your health insurance plan meets all of the waiver requirements you can request the International Student Waiver Form. Please get in touch with University Health Plans at (833) 251-1705 (new phone number) or info@univhealthplans.com.

Important Information:

  • 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 and a valid insurance card as you may be asked to provide documentation when submitting the waiver.
  • A valid health insurance card must be available when submitting the insurance waiver. Pending insurance coverage, letters from employers or third companies, coverage that begins after the SHIP effective date (Fall – August, 15 and Spring – January, 2) does NOT constitute an accepted/submitted waiver.

Early Termination (Not Permitted)

Montclair State University and Aetna Student Health DO NOT prorate health insurance premiums or adjust effective dates of coverage. Students will not be removed from SHIP coverage based upon graduation, withdrawal from the University or new insurance plan post waiver deadline. SHIP coverage will remain in effect until the end of the policy period.

Please Note: Do not contact the Student Health Center with questions about the University’s Health Insurance Plan. Contact UHP with all questions University Health Plans at (833) 251-1705 (new phone number) or info@univhealthplans.com.

Need Help Waiving, Enrolling or Deciding?

Contact University Health Plans at (833) 251-1705 or info@univhealthplans.com.