St. John's University
STUDENT HEALTH INSURANCE PLAN

2025-2026 Academic Year
Domestic Students Living ON Campus

This page is for eligible domesic students living ON campus only.

• If you are an international student click HERE.
• If you are a domestic student living OFF campus click HERE

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Each year St. John's University engages in a comprehensive benefit review and premium negotiation process for 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, the plan will continue with Aetna for the 2025-2026 policy year.

ELIGIBILITY

Domestic Students Living ON Campus - All registered undergraduate and graduate students are eligible to enroll in the Student Health Insurance Plan. Eligible domestic students living ON campus are automatically enrolled in the plan unless they can provide evidence of equivalent coverage satisfactory to St. John’s University by submitting an online waiver form by the posted deadline. Internet classes and television (TV) courses do not fulfill the eligibility requirements that the covered student actively attends classes. Students taking only on-line classes are not eligible for school insurance. The University will determine eligibility based on your registration status.

Policy Period, Insurance Fee and Deadlines:

WAIVER PROCESS

Domestic resident students beginning classes in fall semester must complete the on-line waiver form on the left side of this page by the fall deadline. New students beginning classes in spring semester must complete the on-line waiver form by the spring deadline. Failure to complete the waiver form by the appropriate deadline will result in the student’s mandatory purchase of the University’s Student Health Insurance Plan for the 2025-2026 policy year. Waivers will not be accepted after the deadline.

Before waiving, compare the cost, coverage, and benefits of the SHIP to your existing plan. Please consider the following:

1. Your plan must provide access to doctors, specialists, hospitals, labs, pharmacies, and behavioral health providers in the St. John’s University campus area.
2. The policy must be a US health insurance plan that is filed and approved in the US and ACA (Affordable Care Act) compliant. 
    
3. Out-of-state Medicaid and many out-of-state HMO or EPO plans do not provide out-of-network coverage. Urgent and/or emergency-only coverage does not provide comprehensive coverage in the area of the University.

ENROLLMENT PROCESS

Eligible resident domestic students living on campus are automatically charged for coverage at the time of registration and are automatically enrolled in the Student Health Plan. Students who fail to complete the on-line waiver form by the posted deadline will remain enrolled for the full coverage period without the opportunity for a late waiver.

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 1-833-251-1134 or info@univhealthplans.com. Enrollment must occur within 30 days of the qualifying life event.

Optional Plans: Information about voluntary dental, vision and property insurance is available in the navigation menu on the left side of this page.

BENEFIT INFORMATION

Comprehensive plan documents are available in the navigation menu on the left side of this page. The student health insurance plan enables students to use services outside Student Health Services. Please make sure to review the benefit information and utilize the provider search option in menu of the left-hand side of this page. It is your responsibility to understand the nature and scope of benefits and limitations as well as to abide by posted deadlines.