Student Health Insurance Plan

2025– 2026

Underwritten by: Wellfleet New York Insurance Co.

We are pleased to provide you with this summary of the 2025 – 2026 Student Health Insurance Plan (“Plan”), which is fully compliant with the Affordable Care Act. This is only a brief description of the coverage(s) available under Certificate form NYSHIP Cert. The Certificate will contain reductions, limitations, exclusions, and termination provisions. Full details of coverage are contained in the Certificate. If there are any conflicts between this document and the Certificate, the Certificate shall govern in all cases.

This ACA-compliant plan includes:

  • Coverage while at school and at home
  • Comprehensive coverage both for emergency and non-emergency situations
  • Access to the Cigna PPO network

This Plan is paired with the Cigna Network. Note that the benefits are not insured by Cigna or affiliates.

This Plan also offers the following Value-added services. These services are not part of the Student Health Insurance Plan underwritten by Wellfleet Insurance Co.:

  • Vision Discount Program VSP- optional
  • Dental Plan- Guardian- optional

Manhattan University Insurance Requirements

All registered full-time undergraduate domestic and international students, all degree seeking international students, all students residing in the university dormitories and all Division 1 athletic participants are automatically enrolled and charged for the Manhattan University Student Health Insurance Plan on their Tuition bill.

If you have existing medical insurance you will have the opportunity to remove the fee you can complete the waiver request by providing details of your current insurance plan coverage. If you require assistance you may contact the plan administrator AHP at 1-844-408-3088. 

How to Waive Coverage:

If you have existing medical insurance coverage under another policy (self, parent, spouse, etc.) – you may have the charge for the Manhattan University Student Health Insurance Plan removed from your tuition bill.

Go to: manhattan.edu/studenthealthinsurance for the waiver instructions. Please note that to waive the insurance premium, the student must upload proof of other health coverage.

The deadline to file a waiver is August 15, 2025

Health Insurance Benefit Summary

Benefit item

(Deductible applies unless otherwise stated)

Participating Provider 

Non-Participating Provider

Individual Deductible

Per person, per policy year

$250 

$500 

Individual Out-of-Pocket Limit Maximum

Per person, per policy year

$7,900 

$15,800

Preventive Services

(Deductible waived)

100%

70%

Hospital Care*-includes room and board expense *Preauthorization required

30% coinsurance after deductible

40% coinsurance after deductible

Inpatient and Outpatient Surgery*- includes surgeon services, Anesthetist and Asst Surgeon. *Preauthorization required



Covered 70%

Covered 60%

Primary Care Office Visit

Including Specialist Office Visits

100% after a 

$25 Copayment

70%

Urgent Care Center

70% covered

70% covered

Emergency Care Services

70%

70%

Diagnostic Imaging Services and Laboratory Procedures

Pre-Authorization Required

70%

60%

Prescription Drugs

Up to a 30-day Supply

At pharmacies contracting with Wellfleet Rx/ESI

100% after

Tier 1:$20 copay

Tier 2:$50 copay

Tier 3:$100 copay

100% after

Tier 1:$20 copay

Tier 2:$50 copay

Tier 3:$100 copay

*For prescriptions purchased at non-participating pharmacies,you must pay in full and then submit a claim for reimbursement.

*This summary is provided as a courtesy and is not meant to replace or override the terms and conditions detailed in the insurance policy/brochure. Please refer to the policy/brochure to verify medical coverage, eligibility, exclusions, limitations, and for more detailed information.

 

I need to:

Visit:

Waive the Insurance Plan

manhattan.edu/studenthealthinsurance

Ask Any General Questions on the Program

Plan Administrator

AHP

1-844-408-3088

Learn about:

• Insurance Benefits

• Participating PPO Provider Listings

• Claims Processing

• ID card

Wellfleet

1-877-657-5030

Find a PPO Provider: 

 

Cigna PPO

(PPO, Choice Fund PPO)

www.cigna.com

or

Wellfleet

1-877-657-5030

Find a Prescription Drug Provider:

Wellfleet Rx/ESI

1-877-657-5030

Cost and Period of Coverage

Coverage For

Annual Coverage*

8/1/25-7/31/26

Spring Coverage*

1/1/26-7/31/26

Student Only

$2,392

$1,389

*Premiums include an Administrative Service Fee

WELLFLEET 

Accessible, Responsive, Flexible. 

(877) 657-5030
2077 Roosevelt Ave.
Springfield, MA 01104
www.studentinsurance.com