• Frequently Asked Questions

  • How much will student health insurance cost?

    The 2019–2020 annual student health insurance premium is $2,908, billed in two installments: fall, $1,176, and spring, $1,732.

    Students who begin their studies in the spring will be charged only the spring installment of $1,732.

    How do I enroll? Am I eligible?

    All degree (including online-only), visiting, mobility (study abroad), maintenance of status, Lang and Parsons consortium, ESL + certificate, graduate credit certificate, and graduate and undergraduate degree non-matriculating students are eligible for and are automatically enrolled in and charged for the Student Health Insurance Plan at the time of registration. Students enrolling through Open Campus are not eligible and are not charged for student health insurance.

    Can I waive the Student Health Insurance Plan?

    All students must have health insurance that meets the requirements of the Affordable Care Act (ACA). Domestic students who do not wish to be enrolled in the Student Health Insurance Plan must submit an Online Waiver Request Form by the appropriate deadline each school year. Go to gallagherstudent.com/thenewschool to find the waiver and instructions for submitting it online. The waiver deadline for the fall 2019 semester is September 9, 2019. Students who are new in the spring 2020 semester must submit the Online Waiver Request Form by February 3, 2020.

    The Student Health Insurance Plan is mandatory for international students on F-1 and J-1 visas. International students on F-1 and J-1 visas do not have access to the Online Waiver Request Form. Any international student who can demonstrate proof of U.S.-based, ACA-compliant health insurance coverage in New York City may request an exception by completing a Request for Waiver Exception.

    What if I waive the Student Health Insurance Plan and later want to enroll?

    Students who waive the insurance cannot enroll after the waiver deadline. The Student Health Insurance Plan is an annual policy, and partial coverage is not an option. If you waive Student Health Insurance, it is with the understanding that you have your own ACA-compliant health insurance policy that will cover you for the full school year in New York City. Before you decide to waive the Student Health Insurance Plan, you should make sure that your personal health insurance will provide all the necessary medical and mental health coverage. For the fall 2019 semester, any enrollment after September 9, 2019, will be considered late enrollment. For the spring 2020 semester, any enrollment after February 3, 2020, will be considered late enrollment. If you register for courses after these deadlines, you will not be eligible for Student Health Insurance for that semester, regardless of your student status. An exception may be made under certain unusual circumstances; speak with a Student Health Services representative before you register.

    Can I enroll in the Student Health Insurance Plan if I will not be attending school next semester?

    No. Only students who are eligible and enrolled at The New School can enroll in the Student Health Insurance Plan. If you need to independently investigate and purchase an individual policy for a period when you will not be attending school, contact Gallagher Student Health for a list of insurance providers to help you get started.

    Am I still covered by Student Health Insurance if I withdraw from school before the end of the coverage period?

    Any student who withdraws from the university before the semester waiver deadline will receive a full refund of the student health insurance premium as long as no claim against the plan has been paid. Any student who has paid the student health insurance premium and withdraws from the university after the posted last date for a refund will remain covered in the university-sponsored Student Health Insurance Plan for the full policy period (fall 2019 coverage period: August 20, 2019–January 14, 2020; spring 2020 coverage period: January 15–August 19, 2020). No refund will be given. Any student who withdraws from the university because of a covered injury or illness before the semester waiver deadline can retain coverage under the Student Health Insurance Plan for the remainder of that semester only by notifying the Student Health Services office at shs@newschool.edu or 212.229.1671, option 3. Please note that this option is offered only to students who withdraw for documented health reasons.

    I am taking a leave of absence this semester. What will happen to my student health insurance coverage while I’m on leave?

    After a student’s leave of absence for health reasons is processed, the university automatically reverses the insurance premium on their account, which automatically removes them from the insurance plan and coverage. If the student has already used the plan that semester (that is, if they or a doctor, lab, or other service provider has submitted a claim on their behalf to UnitedHealthcare), the insurance premium will be added back to the student’s account automatically and they will be re-enrolled in the Student Health Insurance Plan for the remainder of the semester. If the student did not use the plan that semester, they will need to contact Student Health Services for instructions for paying the insurance premium so that we can reinstate the student’s coverage for the period when they will be on leave. Please note: Students on leave (including leave for health reasons) do not have access to Student Health Services.

    Students taking a leave of absence for any reason other than health are not eligible to reinstate health insurance coverage while on leave. If a student’s leave is processed before the waiver deadline, they will receive a full refund for the insurance premium as long as they have not used the plan that semester. The student’s insurance coverage will be canceled retroactively to the beginning of the coverage period. If the student’s leave is processed after the waiver deadline, they will not be eligible for an insurance premium refund and will remain enrolled in the plan.

    Do I need to be enrolled in the Student Health Insurance Plan to use Student Health Services?

    No. All students pay a mandatory University Services fee, which gives them access to all university services, including Student Health Services. This fee cannot be waived. Students have unlimited access to Medical Services (most services are offered at no additional charge), access to short-term counseling at Counseling Services, and unlimited access to health information and referrals from a health educator as well as interactive programs on a variety of health, wellness, and safety topics.

    When does my health insurance coverage begin and end?

    Coverage for the 2019–2020 premium year begins on August 20, 2019, and ends on August 19, 2020. Student Health Insurance is an annual policy, and partial coverage is not an option for enrolled eligible students. Coverage for students who were not enrolled for the fall semester is effective on January 15, 2020, for the spring semester as long as they register before the waiver deadline.

    Coverage for the 2018–2019 premium year ends on August 19, 2019.

    What does my insurance cover? How can I learn more about Student Health Insurance?

    For details of your coverage, see the 2019–2020 Policy Brochure. If you have questions about medical care that are not addressed in the Policy Brochure, please contact Gallagher Student Health at 833.440.0571. It is your responsibility to understand the nature, scope, and limitations of the benefits covered and to know and meet all published deadlines.

    I’m graduating this year. Will that affect my insurance?

    If you are graduating in May 2019, your health insurance coverage and access to Student Health Services will continue until August 19, 2019, provided that you are a registered student in the spring 2019 semester.

    If you are graduating in December 2019, you will still be covered by the 2019–2020 Student Health Insurance Plan and can use Student Health Services until January 14, 2020. Since you will not be registering for the spring semester, you will not be covered by Student Health Insurance after January 14. If you are graduating in May 2020, your health insurance coverage and access to Student Health Services will continue until August 19, 2020, provided that you are a registered student in the spring 2020 semester.

    Why can’t international students waive the Student Health Insurance Plan?

    With the health and financial wellness of students in mind, The New School has established a policy that all students must have U.S.-based, ACA-compliant health insurance that provides coverage in New York City. This means that international students holding F-1 and J-1 visas are required to remain enrolled in the Student Health Insurance Plan. Insurance plans from their home countries and travel plans do not provide the necessary coverage for health care. An international student who can demonstrate proof of U.S.-based, ACA-compliant health insurance coverage in New York City may request an exception by completing a Request for Waiver Exception.

    Research shows that students are less likely to get preventive care and more likely to avoid treatment if they do not have insurance or if their insurance does not offer the healthcare they need while at a university. This can make many health problems worse and negatively affect academic performance. Treatment for an unexpected injury or illness can cost thousands of dollars.

    Why is it important to have a U.S. health insurance plan?

    Even if you come from a country with a national health plan, it may not cover your care in the United States. Healthcare costs are rising rapidly, and one injury or illness can mean long-term financial distress for you and your family. The New School’s Student Health Insurance Plan protects you from financial hardship resulting from an illness or injury that requires costly or prolonged medical care. With New School–sponsored Student Health Insurance, a Choice Plus PPO administered by UnitedHealthcare, you are assured that your health plan is recognized by doctors and hospitals in the United States and that you have some financial protection from unexpected or catastrophic medical costs. This protection includes in-network* discounts and benefit coverage that can dramatically reduce the cost of medical care. Without insurance, you would be responsible for paying the entire amount, which in most cases would exceed the cost of care in other countries.

    * Providers (doctors, hospitals, labs, imaging facilities, pharmacies, etc.) that belong to UnitedHealthcare’s network are called Preferred Providers or In-Network Providers. Providers that do not belong to UnitedHealthcare’s network are called Non-preferred Providers or Out-of-Network Providers. Students can use either Preferred or Non-preferred Providers, but using Non-preferred Providers will result in higher out-of-pocket expenses.

    What if I am an international student on an F-1 or J-1 visa and I have a U.S.-based, ACA-compliant health insurance plan that covers me in New York City?

    If your health insurance plan is U.S.-based and ACA-compliant and covers you in New York City, you can file a Request for Waiver Exception. This form must be submitted by the September 9, 2019, waiver deadline for the fall 2019 semester. Requests for a waiver exception submitted after this time will not be accepted. For more information, please visit gallagherstudent.com/thenewschool.

     

    Who reviews my Request for Waiver Exception? How long does it take to find out whether my request has been accepted?

    Gallagher Student Health will review your Request for Waiver Exception, and you will receive notification of acceptance or denial of your request by email within ten business days of the submission.

    I’m a Fulbright Scholar. Are the health benefits offered as part of my scholarship ACA compliant?

    Fulbright Scholars with the ASPE policy must submit the Request for Waiver Exception if they wish to waive the Student Health Insurance Plan.

    Where can I get information about healthcare reform and the Affordable Care Act?

    In order to be considered ACA-compliant, policies must include coverage for the ten essential benefits with no lifetime or annual benefit maximums and must adhere to the consumer protections built into the law. You can refer to this site about ACA compliance for more information and find highlights of the Affordable Care Act regulations and a link to the full text of the law on the U.S. Department of Health and Human Services website. 

     

    Does The New School’s Student Health Insurance Plan meet J-1 and F-1 visa insurance requirements for international students?

    Yes; the New School plan meets all of the requirements for students on J-1 visas and all recommendations for international students on F-1 visas. These benefits include but are not limited to unlimited medical benefits for each accident or illness, a national prescription drug program, access to local medical providers, medical evacuation, return of mortal remains, and 24-hour worldwide emergency travel assistance.

    I am an international student and will be starting OPT after graduation. Am I eligible to enroll in the Student Health Insurance Plan while participating in OPT?

    Yes. Students participating in OPT are eligible to enroll in the Student Health Insurance Plan. You will not be automatically charged and enrolled. You will need to contact the International Student and Scholar Services office for an enrollment form and information about enrollment deadlines. The enrollment form and payment should be sent directly to Gallagher Student Health (the instructions are on the enrollment form). Please do not send the enrollment form or payment to Student Health Services or International Student and Scholar Services.

    How do I get a UnitedHealthcare insurance ID card?

    Once your enrollment is complete, you can create an account with UnitedHealthcare Student Resources to access your benefits, claim information, and ID card at uhcsr.com

    I have Student Health Insurance, but I’m being told that my medical and prescription coverage has expired. Why?

    UnitedHealthcare ensures that only registered students are enrolled in the Student Health Insurance Plan by updating enrollment information only after receiving notification of students’ registration from The New School. The final list of eligible students is forwarded by the university the day after the waiver deadline. After UnitedHealthcare receives students’ updated enrollment information, they can submit new or denied claims for processing, and UnitedHealthcare will reimburse them for any covered out-of-pocket expenses. Students who are enrolled for the fall semester should be aware that this lapse in coverage could affect them in January and February. To avoid a lapse in coverage, register for classes during the published registration periods for each semester.

    Please note: If you register for classes after the semester waiver deadline, you may not be automatically charged for or enrolled in the Student Health Insurance Plan. If you register late, contact Student Health Services at shs@newschool.edu or 212.229.1671, option 3, immediately to see if late health insurance enrollment is possible.

    What is a deductible?

    A deductible is a specific dollar amount that an insured person is responsible for paying before the insurance company will begin to pay. For the 2019–2020 school year, the Student Health Insurance Plan in-network deductible is $150 per policy year. The out-of-network deductible is $300 per policy year.

    I am enrolled in the Student Health Insurance Plan for the 2018–2019 coverage period (August 20, 2018–August 19, 2019). How do I submit a claim for reimbursement?

    Bills for medical services do not require a claim form, but you must write on the bill that you are a New School student and include your student ID number. Mail a copy of your bill to Aetna, P.O. Box 981106, El Paso, Texas 79998. To request reimbursement for prescriptions for which you have already paid, complete a prescription drug claim form and submit it with a receipt and prescription stub. You can get prescription drug claim forms at the New School Student Health Services office or download them from the Aetna Student Health website, aetnastudenthealth.com, for printing. Mail prescription drug claim forms to Aetna, P.O. Box 14024, Lexington, Kentucky 40512. Note: Requests for reimbursement will be denied during the policy update period; wait until your enrollment has been updated to mail your reimbursement request.

    What is an Explanation of Benefits (EOB) Statement?

    An EOB Statement is a form you receive from the insurance company each time a claim is submitted on your behalf. One copy is sent to you and one is sent to your provider (doctor, lab, etc.). The EOB Statement explains how your claim was processed and/or paid. It includes some or all of the following information: the provider’s name, the date, the amount the provider billed, any discounts that apply, the amount paid and to whom it was paid, any amount applied to your deductible, the co-insurance amount for which you are responsible, and the reason for denial if your claim was denied.

    Does the Student Health Insurance Plan cover me if I am traveling or studying abroad?

    Yes. The New School’s Student Health Insurance Plan provides worldwide coverage.

    If you are enrolled for the 2019–2020 school year:

    The Student Health Insurance Plan covers you during semester breaks, summer vacation, and even travel or study abroad. You’ll be covered for the period for which you are enrolled and premiums have been paid.

    In addition to covering medical treatment and services, the plan covers emergency medical evacuation, repatriation of remains, and 24-hour worldwide travel assistance services through UnitedHealthcare Global. All services must be arranged in advance and provided by UnitedHealthcare Global. Any services not arranged by UnitedHealthcare Global will not be considered for payment.

    When studying or traveling abroad, keep your Student Health Insurance ID card with you and take a copy of the brochure for reference.

    • When outside of the United States, you will likely be asked to pay for your medical care first and will then need to submit a claim for reimbursement. Covered expenses will probably be reimbursed on an out-of-network basis.
    • When you submit claims for reimbursement, you will need to have the itemized bills translated into English and include a letter informing the claims administrator that you are seeking reimbursement for charges previously paid.
    • Please ensure that your name, ID number, address (for the mailing of your reimbursement check), and school’s name appear on the bill.

    Can I pick up my prescription refill early if I will be traveling?

    To request a prescription vacation override, send an email to PBM@uhcsr.com. In the subject line, write "Vacation Override."

    In the body of the email, include:

    1. Your first and last name

    2. Your date of birth

    3. Your UHCSR identification number (seven digits) (SR#)

    4. Your phone number

    5. Name of the medication(s)

    6. Your pharmacy contact number

    7. Any additional information needed to complete the request 

    Attach your travel itinerary to the email.

    Send the email and allow 24 to 48 hours for UnitedHealthcare to process your request. You may receive a call or an email advising you that you can get the refill, or your pharmacy may notify you that your prescription is available to pick up. If you choose to get the prescription outside of the country, you will have to pay out of pocket, then submit the claim for reimbursement; it will be processed as an out-of-network claim.

     












    I am enrolled in the Student Health Insurance Plan. Can I enroll my dependent(s), such as my spouse or domestic partner and/or children?

    Dependents will no longer be covered by the Student Health Insurance Plan after August 19, 2020. If you are interested in enrolling your dependents for the 2019–2020 school year, please visit gallagherstudent.com/thenewschool.

    After the 2019-2020 policy year, students can look into marketplace options to cover dependents and apply for subsidies on the basis of their income and residency status.

    Why will dependent coverage end after the 2019-2020 academic year?

    For the 2019-2020 policy year, several plan changes were implemented to help offset some required price increases. Unfortunately, given the rising costs of healthcare and health insurance, asking students without families to bear the costs of students with families has become more and more untenable. Student health insurance programs are not typically designed to include dependents and are priced for students only. It is highly unusual that The New School has been insuring dependents for so long, and this change aligns us with our peer institutions in the New York City area.

    We understand that this change poses a challenge for a small number of our students. Students who currently insure dependents through our plan will have until August 19, 2020, to find alternative coverage. They can look into marketplace options to cover dependents and apply for subsidies on the basis of their income and residency status.

     

    I’m concerned about a switch from Aetna to UHC now that UHC has been in the news.

    The UnitedHealthcare court case involved the employee benefits division of UnitedHealthcare, not the UnitedHealthcare StudentResources (UHCSR) student insurance division. This case addressed complaints about coverage for substance abuse in the state of California and centered on criteria for substance abuse at that time. UHCSR confirmed that there were no denied claims as a part of this case, and the case is in appeal. Since 2017, UnitedHealthcare has applied the medical protocols under American Substance Additional Medical (ASAM) treatments.

    Under the new plan, will students still have access to culturally competent behavioral health providers?

    As of July 2019, the Optum Behavioral Health (OBH) network has 236 clinicians within ten miles of The New School who offer culturally competent services for LGBTQ students and students of color.

    Do I have online access to my personal insurance information, including EOB Statements?

    Students enrolled for the 2019–2020 policy year will receive an email directly from UnitedHealthcare StudentResources with directions for creating an account and downloading your ID card.

    I am a New School employee, and I and/or my dependent(s) is taking classes at The New School and receiving a tuition waiver. Can I/they waive the health insurance premiums?

    New School employees taking classes for credit at the university and receiving a tuition waiver are not eligible to be seen at Student Health Services and are not eligible for student health insurance coverage. The university automatically waives the health insurance premium for New School employees. The health insurance premium charge will appear in the charge column of your student account, and the health insurance premium waiver will appear in the payment column and serve as a credit.

    Dependents of New School employees who are taking classes for credit and receiving a tuition waiver pay the University Services Fee and can access Student Health Services. They are automatically charged the health insurance premium and enrolled in the Student Health Insurance Plan. All domestic students (both undergraduate and graduate) can waive the health insurance premium by providing their ACA-compliant health insurance information on the Online Waiver Request Form and submitting it before the waiver deadline (September 9, 2019, for the fall semester and February 3, 2020, for the spring semester).

    Employees and dependents taking continuing education classes are not charged the health insurance premium and are not eligible for student health insurance coverage.

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