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Important Insurance Information as You Graduate

Will you be graduating NYU on completion of the Fall 2013 semester? If so, we want to provide you with important reminders about transitioning your health care needs and understanding your insurance options as you leave NYU.


Am I eligible for Student Health Center (SHC) services once I graduate?


You will not be able to utilize medical or counseling services at the SHC after January 8th. If you have a medical or mental health condition that requires continuing care, including prescribing medication, make sure that you work with your SHC provider prior to Jan. 8th on a suitable arrangement to transition your healthcare outside SHC. (Please note that the SHC will be closed from December 21th through January 1st, re-opening January 2nd.)

I am graduating after I complete the Fall semester. When will my student health insurance coverage end?

  • If you paid for the Fall 2013 semester only at the time of fall registration, your coverage will continue through January 8, 2014.
  • If you paid the annual health insurance fee at the time of fall registration, your coverage will continue through August 20, 2014.
  • You will not be eligible to continue your medical or mental health care at the Student Health Center after January 8th, even if you remain enrolled in the Student Health Insurance Plans.
  • Referrals from an SHC health care professional will not be necessary for any medical or mental health treatment you receive after January 8th, even if treatment is in Manhattan.

How do I find a health care provider to continue my health care after I graduate?

  • If you are staying in the New York City area, your Student Health Center provider can assist you in finding a provider to continue your treatment or for routine preventive services.
  • If you are continuing your coverage in the Basic, Comprehensive, or GSHIP Plans beyond the January 8th Fall termination date, you can access a directory of health care professionals participating in the MagnaCare and MultiPlan networks in the New York City area, or MultiPlan network anywhere else in the United States. Contact Consolidated Health Plans (CHP):
    - Online at www.chpstudent.com/nyu
    - By telephone, toll-free, at (877) 373-1170

The student health insurance plans provide coverage for out-of-network providers, but you will have much fewer out-of-pocket expenses if you use providers in the MagnaCare or MultiPlan networks.

My coverage in an NYU-sponsored Student Health Insurance plan is ending on January 8th. Can I continue my coverage?

If you are currently enrolled in the NYU-sponsored Student Health Insurance Basic, Comprehensive or GSHIP Plans, you can continue your coverage for an additional one-, three-, or six-month period through Consolidated Health Plans, the plan administrator.

 Please note the following:

  • You will not be eligible for treatment at the Student Health Center under the Continuation Option.
  • Referrals from an SHC health care professional will not be necessary for any medical or mental health treatment you receive after January 8th, even if treatment is in Manhattan.

You must enroll in the Continuation Option directly through the Consolidated Health Plans website at www.chpstudent.com/nyu by the January 15th enrollment deadline. Click on the "Continuation Plan" link from the menu on the left side of the webpage.

  • Payment is required at the time of application.
  • You must choose the same plan in which you were enrolled for Fall 2013.
  • Once the one-, three-, or six-month coverage period you selected ends, you cannot renew your coverage for any additional time period.

Coverage Periods/Rates:

Basic Plan:

Period 1 (1/9/14-1/31/14): $419

Period 2 (1/9/14-4/30/14): $2,348

Period 3 (1/9/14-7/31/14): $4,269

Comprehensive Plan:

Period 1 (1/9/14-1/31/14): $552
Period 2 (1/9/14-4/30/14): $2,997
Period 3 (1/9/14-7/31/14): $5,383

Will you need health insurance after you graduate?


Health insurance is expensive, especially if you are not enrolled as part of a large group which can help share the risk. Here are some options for finding health insurance after you graduate from the University:

In your job search, make sure your potential employer includes health insurance coverage as a benefit. Many employers provide a health insurance benefit at no cost or very low cost. This can save you thousands of dollars a year if you require frequent medical treatment, either planned or unexpected.

So, if you are trying to decide between two different job offers, be certain to consider the value of the health insurance plan that may be offered. (Depending on your medical needs, accepting employment with a smaller salary but a better health insurance plan may leave you with more money in your pocket at the end of the year.)

- The new federal healthcare reform laws mandate that group plans allow dependents of insured members to be enrolled up until age 26. So, if your parents or spouse are insured in another group health insurance plan, contact their insurance carrier to find out how you may be enrolled as a dependent.

If you are currently enrolled in the NYU-sponsored Student Health Insurance Basic, Comprehensive or GSHIP Plans, you may opt to continue your coverage for an additional one-, three-, or six-month period through Consolidated Health Plans, the plan administrator. Please see details in the above response to “Can I continue my coverage?”

If you are a resident of New York State:
The New York State Department of Financial Services website has many links to useful health insurance information.
Telephone numbers and costs for coverage in Manhattan from major health insurance carriers can be found here.

Family Health Plus

There is no cost for enrollment in this state-subsidized health insurance program, but there are strict income limit requirements.

Healthy New York
In order to meet the eligibility criteria for this state-subsidized health insurance program, you or your spouse must be currently employed or must have been employed within the past 12 months.

Other Ideas:

Contact the Department of Insurance in your home state and find out if there are any state-subsidized low cost health insurance programs.

Visit www.healthcare.gov, a federal government website managed by the U.S. Department of Health and Human Services to help you explore coverage and pricing options in your state.

Visit www.gettingcovered.org/toolkit where you can download a toolkit which provides information about health insurance options for young adults specifically by state of residenc

Congratulations and best of luck in all your future endeavors!

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