Insurance

Accidents

All students are covered by a mandatory accident policy with a $2,500 limit on each accident. Benefits are supplemental to other insurance. Covered medical expenses will be payable at 100% inside or outside of network and no deductible will be applied. All registered students are provided Accident insurance for the semester for which they are attending classes. Coverage is in force 24/7 world-wide. This coverage is not part of the student insurance plan.

Student Health Insurance

Open enrollment for new incoming students for spring/summer semester will begin on December 1st. Students will be receiving emails to inform students on how to complete the waiver or enroll.

The deadline to enroll or waive is February 23rd for new incoming students only.

Fordham University is concerned about the health of our students and the high cost of medical care. Student requests for competitively priced health care coverage made it necessary for the University to implement an insurance requirement for all graduate students (GSAS, GE, GSB, GSS, and GRRE) and Law students carrying 6 or more credits.

Fordham University is concerned about the health of our students and the high cost of medical care. As such, we require all F-1 and J-1 international students to carry some form of medical insurance.

Students do not need to get referred by University Health Services to see a specialist or Medical Doctor. Please go to https://www.aetnastudenthealth.com

At the beginning of each Fall Semester (and at the beginning of other semesters for first time new incoming students) Full time graduate students and international students are required to complete an online Insurance Registration Process.

During this secure process, you will be asked to either provide information on your current medical insurance coverage, purchase the Fordham sponsored Student Insurance Plan, or complete a brief opinion survey.

Effective with this fall semester, all domestic graduate, GBA and Law students carrying 6 or more credits will be automatically enrolled in the Student Health Insurance Plan (SHIP) and the fall semester charge for this program will be included on your student account. The annual rate for insurance is $2567, students account will be billed for the fall semester $924 and spring/summer is $1643. The Students only registered to complete their dissertation will not be subject to this requirement. The charge for this coverage can be removed by demonstrating that you have other coverage. Your request to waive coverage under the program and thus have the charge removed from your account must be completed by September 10, 2017. Students who waive coverage in the plan for the fall semester will be automatically waived for the spring semester and summer semester.

Graduate, GBA and Law students carrying 5 or fewer credits may purchase coverage on a voluntary basis.

The deadline to complete the Insurance Registration Process is February 23, 2018 for Spring Semester for new students only.

Waive or Enroll: Online Insurance Registration Process

International Students
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 February 23, 2018 for the spring semester. Please see new changes to waive out of the student insurance plan below

Effective fall 2017, 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 insure 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 US$50,000 per year; repatriation of remains of at least US$25,000 per year; and a deductible not to exceed US$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

Domestic undergraduate students
Enrollment will not be open to domestic undergraduate students under the 2017-2018 plan year. This will in no way impact your ability to utilize the services provided at the University Health Services.

Why has this change become necessary? Enrollment into the SHIP Plan for domestic undergraduate students has been voluntary, while enrollment for other classes of students, graduate and international, has been mandatory with an option to decline coverage with proof of other comparable coverage. Federal and state compliance changes recently impacting the insurance industry have made pricing of plans with voluntary enrollment prohibitively high.

Domestic undergraduate students who need insurance coverage can go to the federal insurance exchange at www.healthcare.gov to find available health plans in the state where you permanently reside. If your permanent residence is outside of New York, it will be important that you select a PPO plan that offers coverage throughout the United States, so that you can receive medical coverage around the College. Enrollment in plans listed on the exchange is typically open during the last three months of the year.

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/fordhamuniversity. The deadline to enroll is January 9th. Students who do not enroll before January 9th will not be eligible for this extension. The fee for the 90 day coverage is $749 and students must pay online with a credit card.

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

In addition to completing the Insurance Registration requirement, the Communications Center and Marketplace is a place that you can return time and again to obtain important insurance information (including procedures to file an accident claim), ask questions, or link to Provider and Pharmacy Networks. You can also discover other voluntary insurance and discount products like, dental, vision, personal property, international travel coverage, and services to negotiate outstanding medical bill balances (out of pocket costs) that may remain after being processed by insurance.