Health Insurance Requirement
In keeping with its institutional responsibility to protect the health and well-being of the students, as well as meeting the requirements under New Jersey state law, Montclair State University requires all full-time undergraduate and graduate students to carry health insurance. Full-time students are automatically enrolled in the University-Sponsored Student Health Insurance Plan and charged for the insurance premium. Students are responsible to submit a health insurance waiver online if they do not want/need the Student Health Insurance Plan.
The following students are required to have health insurance that meets University requirements:
The Student Health Insurance Plan will continue to be provided by Aetna Student Health. The plan complies with the Affordable Care Act benefit requirements and includes access to Aetna's national PPO network of providers. Students do not have to select a primary care physician and referrals are not required. You can view the Plan Design and Benefit Summary located under Benefit Information in the left-hand side navigation menu. In order to keep the premium competitive, the following benefit changes were made: Deductible increased to $350 preferred care/$700 non-preferred care, Out of Pocket Maximum increased to $7,000 preferred care/$14,000 non-preferred care, and preferred care outpatient Physical Therapy/Occupational Therapy/Speech Therapy changed from $25 copay to 80% coinsurance.
Montclair State University has partnered with University Health Plans to administer the plan and help with waiver, enrollment, or benefit-related questions. University Health Plans can be reached at 833-251-1705 or email@example.com.
Insurance Cost & Coverage Periods
|NEW Spring Students|
Undergraduate and Graduate Insurance Cost
Waiver Deadline Date
September 19, 2022
|February 27, 2023|
The waiver appeal deadline is October 12, 2022.
Full-time students who wish to waive (opt-out) the Health Insurance:
Full-time students who wish to enroll in the Health Insurance:
International students do not have access to the online enrollment and waiver forms. International students are automatically enrolled prior to the waiver deadline date. If an international student has a plan that is filed and approved in the United States, typically approved plans are offered through a US employer or embassy, then the student must email University Health Plans to request the international student waiver form.
Early Termination (Not Permitted)
Montclair State University and Aetna Student Health DO NOT prorate health insurance premiums or adjust effective dates of coverage. Students will not be removed from SHIP coverage based upon graduation, withdrawal from the University, or new insurance plan post waiver deadline. SHIP coverage will remain in effect until the end of the policy period.
Following Aetna requirements, the University reserves the right to make the final determination regarding eligibility for the initial and continued enrollment in this insurance plan.
The University reserves the right to audit all waivers in order to ensure compliance with the University insurance requirements. Please be sure to have a copy of your insurance policy as you may be asked to provide documentation.
A valid health insurance card must be available when submitting the insurance waiver. Pending insurance coverage or a letter from your employer and/or a third company does NOT constitute as an accepted/submitted waiver.
Important Notice to Athletes: The Student Health Insurance Waiver process is NOT the same as providing an insurance card or information to the Athletics Department or the athletic trainers as part of the medical information required for participation in the student’s sport.
Disclaimer: If you withdraw from all/some courses on/or after the add/drop period it does not remove the health insurance premium. You will still remain enrolled in the health insurance plan for the duration of the effective date. You will also be financially responsible for the full cost of the health insurance premium unless you have an approved waiver on file by by the deadline date.
Students who waive the insurance in the fall may not enroll in the spring semester. Students who waive are eligible to enroll if there is a Qualifying Life Event which causes them to lose other insurance. Please contact University Health Plans to enroll (within 31 days of the event).
Questions? Need Help Deciding?
If you have any questions call University Health Plans at 833-251-1705.