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.
In addition, all F-1 visa students, part-time or full-time, must be insured with an ACA-compliant, filed, and approved policy in the U.S.
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.
Fall 2023 Student Health Insurance Dates:
- Waiver/Enrollment Site Opening: Week of July 31, 2023
- Waiver Deadline: Monday, September 18, 2023
Waiver Appeal Deadline: Tuesday, October 11, 2023
Waiver Appeal Information
Students who did not submit a student health insurance waiver request by the fall 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 Tuesday, October 11, 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 firstname.lastname@example.org 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 email@example.com.
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 $500.00 preferred care/$1000.00 non-preferred care, Out of Pocket Maximum increased to $7,000 preferred care/$14,000 non-preferred care.
Insurance Cost & Coverage Periods
|Annual Students||New Spring Students|
|Coverage Dates||August 15, 2023 – August 14 , 2024||January 2, 2024 – August 14, 2024|
|Undergraduate and Graduate Insurance Cost||$2,611||$1,612|
|Waiver Deadline Date||September 18, 2023||February 26, 2024|
**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: August 15, 2023 – August 14, 2024 | $2,611
Montclair State University requires all F-1 Visa students, part-time or full-time, 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. International students do not have access to the online enrollment and waiver forms. You must get in touch with University Health Plans at (833) 251-1705 or firstname.lastname@example.org.
- 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 email@example.com.