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Insurance

Medical Insurance

Fordham University is pleased to announce that the Student Health Plan has been renewed with Aetna Student Health and will continue to be offered to all eligible Fordham students for the 2019–2020 policy year, effective August 23, 2019. The Student Health Plan provides comprehensive health insurance that includes access to Aetna Student Health networks and pharmacies nationwide. The annual cost is $3,073. (Subject to state approval) Your student account will be charged $1,100 for coverage from August 23, 2019 through December 31, 2019 and $1,973 for coverage from January 1, 2020 through August 22, 2020.

The insurance website will be available for Undergraduate and PCS students starting on June 10, 2019. 

The insurance website will be available for International, Graduate and Law and Gabelli School of Business students starting in July. 

Deadline to waive will be September 10th. 

Part-time graduate students and Gabelli online programs 

Graduate, Law and Dissertation students carrying 5 or fewer credits as well, as students enrolled in Gabelli online programs with four semester starts each calendar year, may purchase coverage on a voluntary basis. Students do not have to do a waiver. 

Domestic Undergraduate and PCS students

Effective this year 19/20, we will be expanding student health insurance coverage to include all undergraduate and undergraduate PCS students in our group plan. To meet this requirement, the university will offer a mandatory health insurance group plan for both undergraduate and PCS students, with a waive-out option for those students who can show proof of comparable external insurance. 

Part-Time Undergraduate and PCS students carrying 5 or fewer credits may purchase coverage on a voluntary basis at the same cost as students with 6 or more credits but payment must be made directly to the Carrier by EFT or credit card. Part time undergraduate students do not have to complete an online waiver.

 

All Domestic Students waiver requirements:

Students who are enrolled in a health plan that is comparable to the Student Health Plan may waive the Fordham coverage through www.aetnastudenthealth.com to provide proof of comparable coverage, a student will need to have information about his or her current health insurance plan readily available. By waiving the Fordham coverage, a student is confirming the following:

  • The student is covered by the indicated medical insurance policy and will maintain coverage for the full 2019–2020 academic year.
  • The student has compared their policy to the Student Health Insurance Plan and certifies that their plan provides benefits that are at least comparable to the Student Health Insurance Plan.
  • The student’s plan provides reasonable comprehensive coverage of health services, including primary care, emergency services, surgical services, hospitalization benefits, ambulatory patient services, and mental health services, along with coverage for lab work, diagnostic x-rays, physical therapy, chiropractic care, and prescription coverage, and that these services are reasonably accessible in the area where the student is attending school.

Incomplete waivers will not be processed. Waivers must be completed every year. All waivers must be submitted by September 10, 2019, for the entire academic year or by February 23, 2020, for the spring semester (only for new incoming students only). Students who do not complete a waiver prior to the deadline will automatically be enrolled in and charged for the semester which the student is enrolled.  Once the waiver is submitted, the charge will be removed from the student account. Students and authorized payers can verify the adjustment by logging in to my.fordham.edu ("My EBill") Students are responsible for verifying that their waiver was submitted correctly. Students will receive an email confirmation after completing the waiver application to confirm that the application is approved or denied.

Providing insurance information to other offices on campus (e.g., Athletics, Health Services, and loan applications) does not fulfill the waiver requirement. If a student does not complete the waiver through www.aetnastudenthealth.com prior to the deadline, he or she will automatically be enrolled in and charged for the Student Health Insurance Plan.

Students who missed the deadline, but have extenuating circumstances, may submit an email to studentinsurance@fordham.edu to appeal.

International Students (F-1 or J-1)


International students can learn more about their insurance requirements on Fordham's Office of International Students Health Insurance. The deadline for International students to complete the Insurance Registration Process is September 10, 2019, for the fall semester. Please see new changes to waive out of the student insurance plan below

Fordham University will no longer allow insurance companies that do not meet or exceed the limits offered by Fordham University’s Student Health Insurance Plan. This is to ensure that all international students are covered by a plan that is comparable and accessible to provide health coverage.

To meet these criteria you must:

  • Maintain other insurance coverage that is equal to or greater than the Student Health Insurance Plan benefits and with no additional exclusions.
  • The insurance company must be headquartered and operating in the US, with a US claims address and customer service telephone number.
  • The plan must be ACA compliant the plan must provide inpatient hospitalization benefits in the New York City area including mental health benefits. The plan must provide outpatient benefits in the New York City area (including office visits, outpatient mental health visits and laboratory and radiology procedures). Coverage for emergency only care does not satisfy the requirement.
  • The maximum benefit payable under the insurance plan must be unlimited. The insurance plan must include coverage for medical evacuation of at least USD $50,000 per year; repatriation of remains of at least USD $25,000 per year; and a deductible not to exceed USD $500 per year

The following types of insurance plans will not be acceptable for waiving the Fordham plan:

  • Travel policies with limited benefits and exclusions of coverage, the plan must be ACA compliant.
  • Insurance plans that always require students to pay for treatment out-of-pocket and then be reimbursed.
  • Plans advertised as ACA Comparable do not satisfy the waiver requirement

Continuation of Benefits
(Extension for a single 90-day coverage for students who are graduating in December)
Aetna is offering an extension of benefits for 90-day coverage for students who will be graduating in December. Students can go online to enroll www.aetnastudenthealth.com. The deadline to enroll is September 10th. Students who do not enroll before September 10th will not be eligible for this extension. The fee for the 90-day coverage is and students must pay online with a credit card.

Dependent Enrollment 

Insured students have the option of enrolling their eligible dependents (a spouse or a child under the age of 26). You may also enroll dependents online at www.aetnastudenthealth.com. Dependents must be enrolled for the same time period as the student. For example, a student enrolled beginning in the fall semester cannot purchase dependent coverage starting in the spring unless there is a qualifying event. Dependents enrolled for the fall must be re-enrolled for the spring and you are responsible for enrolling and re-enrolling your eligible dependents each semester. The deadline to enroll dependents is September 10, 2019, for the fall semester and February 23, 2020, for the spring semester. Enrollment applications received after that date will not be accepted.

Enrollment after waiving the Health Insurance plan

After the waiver deadline, a student may enroll in the Student Health Insurance Plan only on the basis of a qualifying event. Qualifying events include marriage, birth of a child, or loss of coverage from an existing policy. Students who qualify may submit an email to studentinsurance.com and the Insurance Compliance Administrator will email you a qualifying event form. 

Insurance Questions or Concerns
Insurance questions or concerns should be directed to Fordham University Insurance Compliance Administrator Maritza Rivera-Garcia at studentinsurance@fordham.edu.