St. John's University
2020-2021
Student Health Insurance Plan

Each year St. John’s University engages in a comprehensive benefit review and premium negotiation process of the Student Health Insurance Plan. The primary goal is to provide students with a cost-effective health insurance program with quality benefits. After much review and analysis, St. John’s University has decided to offer coverage with a new carrier, Empire BlueCross BlueShield, for the 2020-2021 policy year.

Please make sure to review the benefit information (available soon) and utilize the provider search option in menu of the left-hand side of this page. The annual premium for coverage from August 15, 2020 through August 14, 2021 is $2,375.

All registered undergraduate and graduate students are eligible to enroll in the Student Health Insurance Plan.  All eligible Resident Students are automatically enrolled in the plan unless they can provide evidence of equivalent coverage satisfactory to St. John’s University.

IMPORTANT NOTE FOR INTERNATIONAL STUDENTS: Enrollment is mandatory for all International Students with a current passport and student Visa (J-1 or F-1) who are temporarily located outside their home country and are actively engaged in education or educational research activities at St. John’s University. All international students are automatically enrolled in the University’s Student Health Insurance Plan, and may not waive out of it.

FAILURE TO COMPLETE the on-line Waiver Form by the September 7, 2020 deadline for students beginning classes in fall semester and February 8, 2021 for students beginning classes in spring semester, will result in your mandatory purchase of the University’s Student Health Insurance Plan for the 2020-2021 Policy Year, without the possibility of later waiver, refund or cancellation.

To assist you in making an informed decision regarding your health insurance needs, here are some general questions to ask your current health plan to ensure that it provides adequate coverage:

  • Is you plan ACA compliant? To be eligible to waive the Student Health Insurance Plan, your other coverage must meet Affordable Care Act requirements.
  • Does your current health plan provide coverage while in the SJU area? Many HMO plans provide coverage for Emergency Treatment only, while out-of-area of the local HMO.
  • Will your current health plan provide coverage as long as you are registered at St. John’s University? Most employer plans drop dependents at a certain age or if a parent has a job change.
  • Does your current health plan cover mental health services? Many employer-sponsored plans provide very limited coverage for mental health services.
  • Does your current health plan include a nationwide network of Preferred Providers, guaranteeing acceptance of your insurance plan, and reducing your out-of-pocket expenses? Many employer-sponsored plans are managed-care type plans, with a regionally based preferred provider network.
  • Does your current health plan include Prescription Drug coverage, and a nationwide network of member pharmacies? Many employer sponsored plans do not provide prescription drug coverage, or only very limited benefits available at certain local pharmacies.

Domestic students: Students who are not living on campus WILL NOT be assessed the insurance charge on their student account. They may add coverage by enrolling on-line (link on left hand side of this page). For students first registered in fall semester, enrollment needs to take place by the Fall Semester enrollment deadline date of September 7, 2020. For new spring students, enrollment needs to take place by the Spring Semester enrollment deadline date of February 8, 2021. If you have a life changing event (i.e. involuntary loss of coverage) and need to enroll in the insurance plan after your applicable deadline, please contact University Health Plans at 1-800-437-6448 or info@univhealthplans.com. Enrollment must occur within 60 days of the qualifying life event.

Re-enrollment after waiving: If you have a life changing event (i.e. involuntary loss of coverage) and need to enroll in the insurance plan after waiving, please contact University Health Plans at 1-800-437-6448 or info@univhealthplans.com. Enrollment must occur within 60 days of the qualifying life event.

Information about voluntary dental, vision and property insurance is available in the navigation menu under “Optional Plans”.

If you have any questions regarding this policy and its terms, please contact University Health Plans, Inc. at 1-800- 437-6448.