Insurance and Patient Accounts

Student Health Insurance

The high cost of healthcare in the United States presents a potentially serious financial risk to students. Therefore, NYU requires that all students registered in degree-granting programs maintain health insurance.

Whether enrolled in an NYU-sponsored Student Health Insurance Plan or maintaining alternative health insurance coverage, ALL MATRICULATED NYU STUDENTS have access to comprehensive services at the Student Health Center (SHC). Many of the services at the SHC are provided at no cost or very reduced cost to all matriculated students.

Most students are enrolled automatically in the NYU-sponsored Student Health Insurance Plan as part of the course registration process. Students must complete the online enrollment/waiver process each academic year beginning in the fall to ensure that they are enrolled in the plan of their choice; supplement their current insurance with an NYU-sponsored plan, or waive the NYU-sponsored plans.

Patient Accounts

For services that are typically covered by insurance plans, NYU SHC will bill the student’s health insurance plan. If the insurance plan does not cover the service or does not pay the entire bill, the student is responsible for the bill.

If you anticipate problems paying your portion of the SHC bill, please contact Patient Accounts at or (212) 443-1010.

Students are billed for unpaid balances on a monthly basis. However, if accounts are not settled in a timely manner, the unpaid balance is transferred to the Bursar’s office to be added to the student’s tuition account.

Protection from surprise bills

A surprise bill is a bill You receive for covered Services in the following circumstances:

  • For services performed by a non-participating Physician at a participating Hospital or Ambulatory Surgical Center, when:
    - A participating Physician is unavailable at the time the health care services are performed;
    - A non-participating Physician performs services without Your knowledge; or
    - Unforeseen medical issues or services arise at the time the health care services are performed.

A surprise bill does not include a bill for health care services when a participating Physician is available and You elected to receive services from a non-participating Physician.

  • You were referred by a participating Physician to a non-participating provider without Your explicit written consent acknowledging that the referral is to a Non-Participating Provider and it may result in costs not covered by Us. For a surprise bill, a referral to a Non-Participating Provider means:
    - Covered services are performed by a Non-Participating Provider in the participating Physician’s office or practice during the same visit;
    - The participating Physician sends a specimen taken from You in the participating Physician’s office to a non-participating laboratory or pathologist; or
    - For any other Covered Services performed by a Non-Participating Provider at the participating Physician’s request, when Referrals are required under Your Certificate.

You will be held harmless for any non-participating Provider charges for the surprise bill that exceed your In-Network Co-payment, Co-insurance or Deductible if You assign benefits to the non-participating Provider in writing. In such cases, the non-participating Provider may only bill You for Your In-Network Co-payment, Co-insurance or Deductible.