Yeshiva University and Cardozo School of Law
STUDENT HEALTH INSURANCE PLAN

2025-2026 Academic Year

	Annual Students	Spring Students	Summer Law Students	Summer Students
Coverage Dates	08/15/25 - 08/14/26	01/10/26 - 08/14/26	05/15/26 - 08/14/26	06/01/26 - 8/14/26
Cost *	$6,240	$3,720	$1,592	$1,303
Waiver Deadline	October 10, 2025	March 6, 2026	June 5, 2026	June 5, 2026

New for 2025-2026: United Healthcare Student Resources (UHCSR) will provide the 2025-26 Student Health Insurance Plan (SHIP).  The SHIP is an Affordable Care Act (ACA) compliant plan and includes access to UnitedHealthcare's national network of participating providers. Students do not have to select a primary care physician, and referrals are not required.  University Health Plans works with Yeshiva/Cardozo to administer the SHIP and help with any waiver, enrollment, or general benefit-related questions. For specific benefit questions or claims, students should contact UHCSR.

With any carrier change, there are important things you need to consider as you transition to the new policy:

• Network Access: While many Aetna providers are expected to be in-network with UHCSR, you should confirm your provider’s participation before your next appointment.

• Plan Benefits: The new plan is designed to align closely with Aetna's current benefits and exclusions. However, all claims will be processed according to UHCSR's policy terms and conditions. The in-network member deductible will lower from $600 to $500 and the in-network co-insurance will change from 20% to 25%.

• Prior Authorizations & Prescription Drugs: If you are receiving care or taking medication that requires prior authorization, a new authorization request must be submitted to UHCSR at the beginning of the policy year. Please note that processing may take some time. If you take prescription medication, it's recommended that you refill it early to ensure you have enough on hand while the new authorization is being reviewed.

• Insurance ID Card: All students will need to  register with UHCSR and download a new digital ID card.

Enrollment Process

Although students are automatically charged for the SHIP, student information is not transferred to UHCSR until after the deadline. Students should submit an enrollment form as soon as possible to avoid difficulties accessing their health insurance benefits. Please allow up to 7 days after submitting the enrollment form for the student information to be active in the insurance company's database. Students who do not submit an enrollment or waiver form by the deadline will be enrolled in the SHIP retroactively to the policy effective date and responsible for the insurance premium.

The student insurance cost is charged to the tuition statement. The dependent insurance cost is paid to UHP via credit card when the form is submitted. 

Waiver Process

Yeshiva/Cardozo requires students to be insured by an active plan comparable to the SHIP, and a waiver form is required each academic year. Before waiving, compare the SHIP's cost, geographical coverage area, and benefits to your existing plan. Please note if you are enrolled in an out-of-state Medicaid, HMO, or EPO plan, your coverage may not be sufficient in NYC. Many out-of-state plans do not provide comprehensive benefits outside of the home service area, and urgent or emergency-only coverage in NYC is not sufficient. Click HERE for a plan comparison guide to assist with your decision to waive. 

Students Studying Outside the US are required to document they have comprehensive insurance coverage in the area in which they will study. If the student chooses to waive, this may include enrollment in the national healthcare system or an international travel policy that provides coverage in the student's location. Students are advised to maintain insurance coverage in their home country as foreign coverage typically does not provide coverage in the student's home country. 

Once you waive the student insurance plan, you can only voluntarily enroll if you qualify for special enrollment rights. The spring coverage period is only available to new spring students. 

Eligibility

If the student drops below the minimum credits within the first 31 days of classes, the student is ineligible for the SHIP. Coverage will be retroactively terminated, and premiums will be refunded (pending claims review). If the student withdraws after the first 31 days of classes or is under a school-approved leave of absence, the student will remain eligible for the semester. The student will be responsible for the premium associated with the coverage period. 

Students who do not meet the eligibility for the spring semester will not be automatically enrolled in the spring coverage period. Enrollment in the SHIP will be adjusted to the fall-only period from 08/15/2025 - 01/09/2026, and the insurance charge will be adjusted to $2,546. Students who do not meet the eligibility for spring and wish to continue their coverage should contact yuship@yu.edu. 

Eligible students may also enroll their lawful spouse, domestic partner, and dependent children up to age 26. 

Early Termination

Students may request mid-year termination if enrolled in a comparable health insurance plan with an effective date on or before the requested termination date. The deadline to submit the termination request form is the last day of the month before the termination date requested. 

Qualifying Event Enrollment

Students who waived the SHIP or did not enroll their dependents during their initial eligibility may qualify for special enrollment rights if they have one of the following life events. The deadline to submit the qualifying life event enrollment form is 30 days from the event date, and supporting documentation is required. 

• Loss of other coverage
• No longer living in the prior plan's service area
• Birth or adoption of a child
• Marriage to the student