Student Health Insurance

Health Insurance Requirement

Effective Fall 2018, Manhattan College will require all full-time undergraduate students, degree-seeking international students, resident students, and Division 1 athletic participants to have health insurance.

Questions about the MC-SHIP plan?

Please contact the plan administrator, The Allen J. Flood Companies, at 800-734-9326, or manhattan@ajfusa.com, if you have any questions about the MC-SHIP plan.

We are pleased to be offering the Manhattan College Student Health Insurance Plan (MC-SHIP). Read details of this insurance plan, and review a full policy brochure here.

The MC-SHIP* is a gold-level plan with coverage of 80% PPO/60% non-PPO which means that with few exceptions, there will be low deductibles and the lowest out-of-pocket costs for care while getting the maximum coverage of costs by the plan.

Students can either enroll in MC-SHIP or retain coverage via their parents’ plan or their current health insurance plan. 

How can I waive or enroll in the Manhattan College sponsored plan?

The enrollment/waiver process will start on May 1st. Students will be required to choose one of two options:

  • Waive enrollment in the MC-SHIP by providing pertinent details of personal insurance coverage; or,
  • Confirm enrollment in the MC-SHIP and register for your plan documents & Insurance ID Card

Enroll/Waive Coverage

If the student will use their own health insurance plan, or be covered by a parent’s plan, they will be asked to demonstrate proof of comparable health insurance coverage and to actively waive out of MC-SHIP by August 1st.

If your waiver is approved by the insurance administrator, the Student Accounts & Bursar Services office will be notified and the insurance charge will be removed from the tuition account, usually within 48 hours.

If you do not waive out of the MC-SHIP by the deadline, you will be automatically enrolled, automatically issued an Insurance ID Card, and be fully liable for the charge for the plan that will remain on your student tuition bill.  Education loans can be applied to cover the cost of the MC-SHIP premium. The Manhattan College Financial Aid Administration Office will be able to assist with the loan process and any related loan questions.

What are the details of the MC-SHIP plan?

The cost of the plan for 2018-2019 is $2,110 with coverage extending from August 1, 2018 to July 31, 2019. The charge for the 12-month plan will be included in the Fall semester tuition eBill issued in early July and payable by the published payment deadline of August 6, 2018.

We encourage a thorough, detailed review of any current plan along with the details of the MC-SHIP plan. One might find that a family insurance plan does not cover services that are out of your geographic network so we encourage those with out-of-state coverage or HMO coverage to review their plans closely. Additional guidance and assistance is available from the plan administrator, The Allen J. Flood Companies, at 1-800-734-9326.

Manhattan College will continue its health and wellness services available through the Health Services office and the Counseling Center for undergraduate students assessed the Health Center Fee each semester whether they are enrolled in the MC-SHIP or maintain alternate health insurance coverage. As a reminder, our centers’ services can be accessed here.

Comparable Coverage Requirements

Your alternate insurance plan must meet all of the following criteria for you to waive MC-SHIP enrollment. Your waiver application will be denied if your plan does not provide all of the following:

  • Routine, non-emergency care as well as emergency care provided in the NY metropolitan area
  • Treatment for pre-existing conditions (with no waiting periods or exclusions)
  • Essential health benefits as defined by the Affordable Care Act (ACA)* (see details below)
  • Plan has a claims administrator based in the U.S., a U.S. telephone number and address for submission of claims, and the insurance policy must have been issued in the U.S.
  • Coverage for medical evacuation and repatriation expenses
    • Required for all F1 / J1 visa students
    • Required for all other students ONLY when they will be studying / traveling / doing research outside of the United States during the current academic year
  • Active coverage from the day the student arrives on campus through July 31, 2019 or the end of their academic/collegiate sport program (whichever comes first)
  • Must have an annual-of-pocket maximum limits of < $7,350 for individual insurance plans or < $14,700 for family insurance plans

Essential Health Benefits, as defined by the Affordable Care Act (ACA)

In addition to the criteria noted above, all alternate insurance plans must include the following benefits as required by ACA:

  • Outpatient care (ambulatory patient services)
  • Emergency services
  • Hospitalization (treatment for inpatient care)
  • Inpatient and outpatient mental health services and addiction treatment
  • Prescription drug coverage
  • Laboratory services
  • Rehabilitative services and devices
  • Inpatient mental health care
  • Preventive services, wellness services, and chronic disease treatment
  • Maternity and newborn care
  • Pediatric services

 

*The policy is consistent with the Patient Protection and Affordable Care Act and the American College Health Association’s Standards for Student Health Insurance Benefits Programs. The underwriter and administrator of the MC-sponsored student health insurance plan also handles student health information in connection with the operation of those plans. Treatment of such information is governed by the Health Insurance Portability and Accountability Act (HIPAA) and the requirements of applicable New York State law.