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.

For those entering in spring 2018, your enrollment status as of February 6, 2018 will determine your eligibility.

For new students entering in spring 2018, the deadline to enroll or waive the spring-only Student Health Insurance Plan is February 6, 2018.

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 for spring-only coverage is February 6, 2018.

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 2018-19 is anticipated to be $1,730 (pending plan approval by New York State).  The fall-only rate is anticipated to be $772 (pending plan approval by New York State).

Full plan details for the 2018-2019 Student Health Insurance Plan will be available later this summer.  An overview of coverage is available in this plan benefits summary.

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 print their ID card ten business days after enrolling in the Student Health Insurance Plan.

To do so:

  1. Visit the Aetna website
  2. Select Syracuse University in the school search box
  3. Click ‘View your school’
  4. Click ‘Print Your ID Card’ on the bottom menu
  5. Enter in your SU student ID number and date of birth to view/print their card

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, 2018, if desired. The deadline to purchase this coverage is July 1, 2018.

To enroll in coverage, access the Haylor, Freyer & Coon, Inc. website.  For additional questions or information, contact Haylor, Freyer & Coon, Inc. at 866.535.0456 or student@haylor.com.

Additional details about a dental/vision insurance plan will be available soon.

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, most New York State Essential Plan tiers do not meet our requirements. Please email the Student Health Insurance Office if you have questions.

*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, most New York State Essential Plan tiers do not meet our requirements. Please email the Student Health Insurance Office if you have questions.

*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 spring-only coverage is February 6, 2018.

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.