Frequently Asked Questions

Student Health Insurance

Unexpected health care expenses can jeopardize a student’s financial stability or create barriers toward completing a degree.  While all students can receive primary care through Syracuse University Health Services, services needed beyond primary care, such as hospitalization, pregnancy, surgery, or specialty care, are performed off-campus.  Health insurance provides students and families with the reassurance that they are prepared for any medical situation.

The health and wellness fee is a mandatory fee for full-time undergraduate students, law students registered for 12 credits or more, and graduate students registered for 9 credits or more as part of the cost of attendance.  This fee covers services and programs provided by the Health Services, Counseling Center, Student Assistance, and Health Promotion.

Health insurance helps to offset costs of services not covered by the health and wellness fee, such as lab fees and medications.  Insurance provides students with access to medical services beyond Health Services, including hospitalization, surgery, and special services.

All full-time, matriculated undergraduate, graduate, and law students need to demonstrate proof of qualifying coverage.  These students are also eligible to enroll in the Syracuse University Student Health Insurance Plan.

If you are only registered in a distance, online program, you will not need to satisfy the requirement to have health insurance.

Your enrollment status as of September 18, 2017 will determine your eligibility. If you are full-time on that date, you will be eligible to purchase the insurance and are subject to the proof of qualifying health insurance requirement. If you are part-time on that date, you will be neither eligible nor subject to the requirement.

The deadline to enroll or waive the Student Health Insurance Plan is September 18, 2017.

All full-time, matriculated Syracuse University students studying abroad must demonstrate proof of qualifying coverage.  This includes students participating in the Los Angeles, Washington, D.C., and New York City semester programs.

Some domestic undergraduate students may be eligible for a Syracuse University grant to cover the SHIP premium.  In addition, some domestic and international students may be eligible for loans.

Undergraduate and graduate students need to submit, in writing, a request for consideration for assistance to the Office of Financial Aid and Scholarship Programs.  Law students must complete the budget adjustment request form and send it to the College of Law Office of Financial Aid for consideration.  Please note, domestic students must have a FAFSA form on file in order to be considered for grant or loan assistance.

Contact the Office of Financial Aid and Scholarship Programs (315.443.1513) or College of Law Office of Financial Aid (315.443.1962) for more information, including additional requirements for grant or loan consideration.

Enrolling in the Student Health Insurance Plan

The Student Health Insurance Plan (SHIP) is accepted at Health Services.  Receiving care at Health Services is one of the most cost-effective ways to use your SHIP.

Health Services provides students with access to general health maintenance services, evaluation and treatment of common acute illnesses, ambulatory care, vaccinations, STD counseling and testing, women’s wellness care, nutrition counseling, and medical transport, among other services.

All full-time, matriculated undergraduate, graduate and law students on campus are eligible to enroll in the SHIP.

The Student Health Insurance Plan enrollment decision form is available on MySlice . The deadline to enroll is September 18, 2017.

For those entering campus in the spring semester, the enrollment decision form will be available on MySlice sometime in November 2017.

Because all eligible students will have the option to enroll or waive the SHIP when beginning their academic year, a voluntary health insurance plan is not necessary. If an eligible student wishes to enroll in the SHIP, they can do so when prompted in MySlice.

Eligible students who enroll in the Student Health Insurance Plan can also enroll their legal dependent(s).

To enroll a dependent(s), contact Haylor, Freyer & Coon, Inc. at 866.535.0456 or student@haylor.com.

The annual rate for the Student Health Insurance Plan for 2017-18 is $1,672.

Plan details for 2017-18 coming soon.

Full plan details for the 2016-2017 Student Health Insurance Plan can be found in the Aetna Plan Design.  Additionally, below are summary documents which provide an overview of the plan details.

Based on feedback from students during focus groups and daily interactions with offices involved in this process, the University is sponsoring a platinum-rated plan for 2016-2017 that decreases out-of-pocket expenses for students and improves coverage.  This new plan includes enhancements such as a lower annual deductible, lower out-of-pocket maximum, decreased prescription copays, and increased coinsurance coverage.

The Student Health Insurance Office is available to assist you and go over your billing and insurance questions. Please contact the office at 315.443.9019 to set up an appointment. Students should bring their insurance card and any documentation and bills with them to the appointment.

Please contact the Bursar’s Office at 315.443.2444 or bursar@syr.edu to discuss what payment arrangements may be available to you.

Students can request a plastic copy of their ID card two ways:

  1. Calling Aetna Student Health Customer Service 1-877-480-4161

OR

  1. Navigating to aetnastudenthealth.com
    1. Click Customer Service at the top of the home page
    2. Complete the Email Customer Service form and select “ID card” from the “Related Issue” dropdown.

Students can also print their Web ID card by:

  1. Navigating to aetnastudenthealth.com
    1. Enter Syracuse University into the School search box
    2. Click Print Your ID Card on the left-side menu
    3. Enter in Student ID and DOB to view/print their card

OR

  1. Logging into Navigator Account by going to aetnastudenthealth.com
    1. Enter Syracuse University into the School search box
    2. Click “Member Login” from the right side menu
    3. Click Login/Register at the top right of the screen
    4. Follow instructions to either log in or register for a new account
    5. Once log in, click View/Print an ID Card from the left side “I Want To…” menu

Yes, the Student Health Insurance Plan covers you during semester breaks, summer vacation, and even if you’re traveling or studying abroad. You’ll be covered for the period for which you have paid the premium.

You can see any provider in Aetna’s national network and receive preferred benefits.  To find a participating provider, use the DocFind tool on the Aetna Student Health website  or call 1.866.746.6590.   Remember, you are free to use a non-participating provider, but you will be responsible for paying a larger portion of the bill.

In addition to being covered for medical treatment and services, you will also be covered for Emergency Medical Evacuation, Repatriation of Remains, Security and Political Evacuation, Natural Disaster Evacuation and Travel Assistance Services through On Call International, the 24-hour worldwide assistance service. All services must be arranged for in advance and provided by On Call International. Any services not arranged by On Call International 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 seek reimbursement. Covered expenses will be reimbursed on an Out-of-Network basis.
  • When you submit claims for reimbursement, you will need to have the itemized bill(s) 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 (to receive your reimbursement check), and your school’s name are on the bill.

For more information about health insurance and participating in an SU Abroad program, visit the SU Abroad insurance webpage.

Full-time, matriculated students beginning classes in the month of July have the option to purchase coverage for the period of July 1 – July 31, 2017, if desired.  The deadline to purchase this coverage is July 1, 2017.

To enroll in coverage, contact Haylor, Freyer & Coon, Inc. at 866.535.0456 or student@haylor.com.

If you wish to purchase additional dental or vision insurance, you would need to do so separately from the Student Health Insurance Plan.  The University does not recommend or endorse any particular insurance product for dental or vision coverage.  However, we are aware that individual dental plans are available from Delta Dental of New York. You can also contact Haylor, Freyer & Coon, Inc. at 866.535.0456 or student@haylor.com to discuss dental coverage options. Individual vision plans are available from VSP, Inc.  You may also find policies offered by other insurers.

Please note, the Student Health Insurance Plan does cover pediatric routine dental and vision exams, and pediatric dental care services to enrolled members through age 18.

The administrative fee covers expenses incurred to ensure compliance with the health insurance requirement, to manage the enrollment process, and to provide dedicated, on-campus support to students enrolled in the SHIP.  Through the Student Health Insurance Office, students, parents and families have access to staff who are familiar with the plan and benefits, can address concerns, assist with enrollment, and answer questions.  The staff also support education and communication efforts.

Waiving the Student Health Insurance Plan

Qualifying coverage is defined as follows:

  • Provided by a U.S.-based insurer*
  • Covers emergency and non-emergency services in the Syracuse area
  • Compliant with all aspects of the Affordable Care Act (ACA)

Please note, the New York State Essential Plan does not meet our requirements.

*Insurance carriers or their subsidiaries outside the 50 U.S. states or coverage by foreign National Health Services programs are not acceptable under this criterion.  Some of these plans may advertise that they are ACA-compliant and provide a U.S. address; however, many are not filed and approved in the U.S., which is required to be accepted as alternate qualifying coverage.

If you are currently enrolled in an out-of-New York State or New York City Medicaid plan, please contact the Student Health Insurance Office at 315.443.9019.

Qualifying Coverage Considerations
Here are some required standards:

  • Carrier is licensed to do business in the U.S., has a U.S. phone number, and a U.S. claims payment office.
  • Does not have waiting periods prior to providing coverage for pre-existing conditions.
  • Does not have exclusions for mental health disorders, pre-existing conditions, pregnancy and pregnancy-related treatment, and drug and alcohol-related conditions.
  • Coverage is duration of the academic year or until the academic program ends.

Health insurance coverage and plans can change year-to-year. Your health insurance must meet the following criteria in order to waive:

  • Provided by a U.S.-based insurer*
  • Covers emergency and non-emergency services in the Syracuse area
  • Compliant with all aspects of the Affordable Care Act (ACA)

Please note, the New York State Essential Plan does not meet our requirements.

*Insurance carriers or their subsidiaries outside the 50 U.S. states or coverage by foreign National Health Services programs are not acceptable under this criterion.  Some of these plans may advertise that they are ACA-compliant and provide a U.S. address; however, many are not filed and approved in the U.S., which is required to be accepted as alternate qualifying coverage.

If you are currently enrolled in an out-of-New York State or New York City Medicaid plan, please contact the Student Health Insurance Office at 315.443.9019.

Qualifying Coverage Considerations
Here are some required standards:

  • Carrier is licensed to do business in the U.S., has a U.S. phone number, and a U.S. claims payment office.
  • Does not have waiting periods prior to providing coverage for pre-existing conditions.
  • Does not have exclusions for mental health disorders, pre-existing conditions, pregnancy and pregnancy-related treatment, and drug and alcohol-related conditions.
  • Coverage is duration of the academic year or until the academic program ends.

If you have alternate qualifying health insurance coverage, you can complete the waiver decision form now on MySlice.

The deadline to waive is September 18, 2017.

For those entering campus in the spring semester, the waiver decision form will be available on MySlice sometime in November 2017.

Graduate students with a University appointment as a graduate, teaching or research assistant (GA/RA/TA) working 10 hours or more per week are eligible to enroll in Syracuse University’s  health benefits plan administered by POMCO. This plan is ACA-compliant, provided by a U.S.-based insurer, and provides coverage for emergency and non-emergency services in the surrounding Syracuse area.

Additional details describing benefits eligibility can be found on the Human Resources Benefits Eligibility policy page, or call the HR Service Center at 315.443.4042 for assistance.

Please contact the Student Health Insurance Office at 315.443.9019.

Your plan may restrict coverage to only providers participating in the insurer’s network, in which case you need to ensure that Syracuse-area physicians and hospitals are considered in-network.  Some plans also permit reduced coverage for using out-of-network providers, which will meet the University requirement.  We recommend contacting your current insurance plan provider.  Some insurance providers also allow you to purchase a rider, or addition, to your current plan to include coverage for services in other areas.

For students with out-of-New York State or New York City Medicaid, please contact the Student Health Insurance Office to discuss your options.

Students who do not have qualifying coverage will be automatically enrolled in and billed for the Syracuse University Student Health Insurance Plan.  The charge will be applied to your Bursar’s account.

Full-time, matriculated students seeking to waive the Student Health Insurance Plan will need to demonstrate proof of qualifying insurance each academic year.