Insurance Cost & Coverage Periods
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 Benefits Summary located under Benefit Information in the left-hand side navigation menu.
| Annual Students | New Spring Students | |
|---|---|---|
| Coverage Dates | August 15, 2024 – August 14, 2025 | January 2, 2025 – August 14, 2025 |
| Undergraduate & Graduate Insurance Cost | $2,704 | $1,667 |
| Waiver Deadline Date | September 16, 2024 | February 24, 2025 |
Full-Time Students are Required to Have Health Insurance
We are committed to ensuring students have access to adequate health insurance coverage.
All full-time students must have health insurance and automatically have the cost of the health insurance charged to their student account to ensure compliance. Students 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.
Full-time students are 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.
How to Waive or Enroll
You must either waive or enroll in the school-sponsored health insurance plan by visiting the University Health Plans (UHP) website.
- To waive, simply complete the Waiver Form before the deadline.
- A valid health insurance card must be available when submitting the insurance waiver.
- To enroll, simply complete the Enroll Form. If you do not complete this form, you will automatically be enrolled and charged the student health insurance premium.
- If you do not act to waive or enroll, you will receive weekly reminders directly from University Health Plans (UHP).
Important Notes: The University reserves the right to audit all waivers to ensure compliance with the University’s insurance requirements. 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.) do not constitute a waiver and is not acceptable. Pending insurance coverage, letters from employers or third companies, and coverage that begins after the SHIP effective date do not constitute an accepted/submitted waiver.
Regardless of the type of insurance coverage you have, all Montclair State University students are eligible to receive outpatient care at the Student Health Center on the Montclair campus or the Bloomfield campus. Co-pay fees are not charged to the student.
If you enrolled in the University Health Plan, you can access your insurance card online. Select “Insurance ID Card: on the left side of the page.
Additional Information
- About University Health Plans: Montclair State University partnered with University Health Plans (UHP) to administer our insurance process.
- Early Termination is 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.
- International Students: 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. View International Waiver Requirement Student Checklist or View Domestic Waiver Requirement Student Checklist.
- 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 info@univhealthplans.com.
- 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, and 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.
Need Help Waiving, Enrolling or Deciding?
Contact University Health Plans at (833) 251-1705 or info@univhealthplans.com.
Please Note: Do not contact the Student Health Center with questions about the University’s Health Insurance Plan.