How do I know if my alternate health insurance will be accepted as qualifying coverage?

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.
  • Unlimited yearly and unlimited maximum benefit.