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Student Health Insurance ProgramSummer 2012 (New Students Only): New Students who wish to enroll in the Student Health Insurance will be automatically enrolled effective June 1, 2012. Students who wish to waive the Summer Health Insurance should click the link to waive the health insurance below. Fall 2012 (New Students): New students who wish to enroll in the Student Health Insurance will automatically be enrolled effective August 1, 2012. Students who wish to enroll will receive instructions to waive in early June, 2012. (You should not waive at this time.) Fall 2012 (Continuing Students): Current students who previously waived the Student Health Insurance will be waived for the Fall of 2012 (if the health insurance they previously waived under is still valid). The waiver will be entered onto their account in early June 2012. If you wish to waive (and were not waived before) or to change your insurance, you should do so after June 1, 2012. Students in the School of Graduate Studies: Please read the note below. For an overview of the Student Health Insurance Program Benefits, including co-pays and what services are provided, click here: Information about the mandatory health insurance school policy. You can also obtain additional information about the policy, a listing of local participating providers and hospitals, and other information about the policy here. Overview
Any student who currently has health insurance through the SUNY Downstate School plan, and will not have other coverage through a residency position on August 1, is eligible to purchase continuing coverage from the broker who handles our insurance. You only have 30 days from the end of coverage (July 31), to complete your enrollment. Please contact:
About the Student Health InsuranceInformation about the mandatory health insurance school policy for all enrolled students is available in the Office of Student Affairs. United Healthcare is the insurance carrier for the policy and specific questions regarding enrollment or benefits should be directed to DMC's insurance broker, Ms. Stephanie Samuels or Ms. Daryl Hall, Health Sciences Assurance Consulting, Inc. The toll-free telephone number is (888) 978-8355. CostFall 2011 Basic Coverage: $1,785 (August - December 2011) Spring 2012 Basic Coverage: $2,499 (January - July 2012) Summer 2012 Basic Coverage (New Students Only): $714 (June & July 2012) Students may enroll in the Basic plan when they are first eligible. Following initial enrollment, students may elect to enroll only on the plan year anniversary date (August 1st) or Spring term enrollment (January 1st).Please note that the Fall coverage period (included in your Fall charges) is August 1 - December 31 (five months) and the Spring coverage period (included in your Spring charges) is January 1 - July 31 (7 months). New students beginning at Downstate in the Summer semester are charged for two months of coverage in the Summer semester (June 1 - July 31).If coverage is needed for your spouse and/or children, you should contact:
Individual CoverageStudents will pay the individual coverage premium at registration. Students may choose to purchase additional coverage for dependents (spouse and/or children) by directly contacting the broker and paying the additional premium to the carrier. Enrollment forms are available in the Office of Student Affairs, Basic Sciences Building Room 1-114. Students Who Currently Have Health Insurance Through Another SourceYou may waive student health insurance charges through our health insurance provider only if you can provide information indicating comparable health insurance coverage through another source (e.g., parents, employed spouse, employer) on the waiver system. Students who wish to waive insurance coverage must have coverage equal to or greater than the SUNY DMC policy. Students who waive the DMC's health insurance are responsible for all physician bills, hospitalization and medical bills, and related expenses such as diagnostic testing. However, they are still eligible for the services provided by the physicians and nurses of the Student Health Service. - > STUDENT HEALTH INSURANCE PROGRAM INFORMATION & WAIVER SYSTEM < - (Current Students May Waive Through the First Day of Classes) Summer 2012 (New Students Only): New Students who wish to enroll in the Student Health Insurance will be automatically enrolled effective June 1, 2012. Students who wish to waive the Summer Health Insurance should click the link above. Fall 2012 (New Students): New students who wish to enroll in the Student Health Insurance will automatically be enrolled effective August 1, 2012. Students who wish to enroll will receive instructions to waive in early June, 2012. (You should not waive at this time.) Fall 2012 (Continuing Students): Current students who previously waived the Student Health Insurance will be waived for the Fall of 2012 (if the health insurance they previously waived under is still valid). The waiver will be entered onto their account in early June 2012. If you wish to waive (and were not waived before) or to change your insurance, you should do so after June 1, 2012. (You should not waive at this time.)
If you do not waive the health insurance charges by the registration deadline, you will be automatically billed for health insurance for that semester and the waiver will be processed for the next semester only. Please note: You will be permitted to waive up through the deadline below, however, you should note that if you are submitting a waiver for the Fall, your charge will be waived retroactive to August 1 and your insurance will be cancelled as of August 1, even if United Healthcare has already paid a claim. If you are submitting a waiver for the Spring, your charge will be waived retroactive to January 1 and your insurance will be cancelled as of January 1, even if United Healthcare has already paid a claim. If you do this and have had a claim already paid by United Healthcare, you will be retroactively billed by United Healthcare and/or your care provider for the full, uninsured, amount of the charge from your provider. Effective for the Fall 2011 semester, the Student Health Insurance waiver system will be operated by HSA Consulting and your coverage will be verified prior to the charge being removed from your bill. The process will take 1-2 business days from the date you submit your waiver. In addition, you will only have to waive once and will no longer be required to waive annually (unless your coverage changes). You will receive an e-mail from HSA Consulting when your waiver has been approved. If you have any questions about the system, you should contact HSA Consulting at:
Please note: You will be required to enter your information, including your Student ID number and Social Security Number, into the HSA Consulting web site. This is required as most Health Insurance providers use the social security number to verify coverage. Be sure to enter the two numbers accurately or they may be unable to verify your coverage and your waiver may not post to your student account correctly. Insurance enrollment will be periodically verified randomly to ensure all students are compliant with SUNY Downstate Medical Center policy that requires you to maintain active insurance throughout your enrollment. You are responsible to inform the Student Affairs office if your coverage is changed or terminate for any reason. - > STUDENT HEALTH INSURANCE PROGRAM INFORMATION & WAIVER SYSTEM < - (Current Students May Waive Through the First Day of Classes) Summer 2012 (New Students Only): New Students who wish to enroll in the Student Health Insurance will be automatically enrolled effective June 1, 2012. Students who wish to waive the Summer Health Insurance should click the link above. Fall 2012 (New Students): New students who wish to enroll in the Student Health Insurance will automatically be enrolled effective August 1, 2012. Students who wish to enroll will receive instructions to waive in early June, 2012. (You should not waive at this time.) Fall 2012 (Continuing Students): Current students who previously waived the Student Health Insurance will be waived for the Fall of 2012 (if the health insurance they previously waived under is still valid). The waiver will be entered onto their account in early June 2012. If you wish to waive (and were not waived before) or to change your insurance, you should do so after June 1, 2012. (You should not waive at this time.)
Students who obtain insurance through a State-sponsored Health Insurance Plan (Medicaid) and/or those who are able to reinitiate their coverage under their parents insurance due to the Affordable Health Care for America Act can come in to the Office to request a special partial waiver. Partial waivers are granted only for students who are able to initiate coverage under Medicaid or through the Affordable Health Care for America Act. Students who initiate coverage through other means must wait until the next selection period (January, 2012) to waive the Student Health Insurance. If you have any questions, please contact the Office of Student Affairs.
Students in the School of Graduate StudiesPlease note that students in the School of Graduate Studies are required to maintain health insurance, however, health insurance is usually provided as a benefit of employment. Even though enrollment in the NYS Employee Empire Plan (NYSHIP) is provided as a benefit, students who receive this benefit must still waive the Student Health Insurance charge using the on-line waiver system at least once per year. Dental ProgramThe Dental Program has been discontinued.
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The SUNY Downstate Medical Center at Brooklyn (DMC) requires that the following registered, matriculated students have health insurance: