Domestic Student Health Insurance Plan (SHIP)

The Student Health Insurance Plan (SHIP) has been developed especially for Stony Brook students (and their dependents) to provide access to comprehensive care that complements the quality health services on campus.

The details of the plan are reviewed and recommended each year by committee members to ensure that the coverage is well-suited to the needs of the Stony Brook students and respectful of their budgets. SHIP is administered by UnitedHealthcare. The Plans meet all of the student health insurance standards developed by the American College Health Association.

SHIP is tailor-made for the college population.

View Coverage Brochure

Coverage Highlights

COVID-19 Vaccine - 100% covered
Tele-health and tele-counseling
Provides continuous coverage at a reasonable cost for most on or off-campus medical care over Fall/Winter and Spring/Summer Semesters.
Covers pre-existing medical conditions & preventative care.
Annual deductible $300 for an individual.
Annual out of pocket limit of $4,000 which includes deductibles, copays and coinsurance.
Covers inpatient and outpatient mental health care. $20 copay for in network providers. $20 plus 30% coinsurance for out of network providers.
Physician copay $50 in-network or out-of-network.
Rx copayment: $30 Tier 1 / $50 Tier 2 / $75 Tier 3
No deductible applied to prescription drug coverage.
No copayment on laboratory procedures performed in a PCP office, Specialist office & Performed as Outpatient Hospital Services.

More Info: 2022-2023 brochures are coming soon!

Emergency Room vs. Urgent Care: Only Emergency Services for the treatment of an Emergency Condition are covered in an ER.

Emergency Room: $100 copay after policy year deductible then you pay 20% coinsurance (copayment/coinsurance waived if hospital admission).

Urgent Care: $35 copay after policy year deductible then you pay 0% for cost-sharing.

Eligibility:

All full-time, matriculated domestic Stony Brook students are automatically enrolled onto the student health insurance plan. Students have the option to waive the student health insurance plan if they have comparable coverage that meets the required standards of the University.

United Healthcare Rates

2022 - 2023	Annual	Fall	Spring/Summer	Summer 2022
Student	$4,079.50	$1,710.04	$2,369.46	$1,028.25
Spouse/Domestic Partner	$4,079.50	$1,710.04	$2,369.46	$1,028.25
One Dependent	$4,079.50	$1,710.04	$2,369.46	$1,028.25
Two or More Dependents	$8,159.00	$3,420.08	$4,738.92	$2,056.51
Spouse and Two or More Children	$12,238.50	$5,130.12	$7,108.38	$3,084.76

Enrollment Forms

Dependents

*Domestic students are able to enroll their dependents in the Student Health Insurance at an additional cost (see Rates and Coverage). This charge would be posted to your SOLAR account. You must first provide appropriate documentation. (A marriage license for a spouse, or birth certificate for a child.)

Please email studenthealthinsurance@stonybrook.edu, a copy of the required documents along with a copy of the completed dependent enrollment form.

Payment

The fee is billed to your student account in SOLAR. Just like all other tuition & fees, this charge is payable by cash, check, money order, credit card or through financial aid. Payments are made to the Bursar in the Administration Building or through SOLAR.

Coverage Periods

Coverage Period	Coverage Start Date	Coverage End Date	Enrollment/Waiver Deadline
Annual	8/16/2022	8/15/2023	8/24/2022
Fall	8/16/2022	1/15/2023	8/24/2022
Spring/Summer	1/16/2023	8/15/2023	1/25/2023
Summer	5/16/2022	8/15/2022	-

Questions

To check claims status, ask benefit questions, locate a provider, or to inquire about specific drug coverage under this policy: 1-800-767-0700 or customerservice@uhcsr.com

What are Deductibles, Coinsurance, and Copays?

What is an EOB?

To create or login to your UHC student account, locate providers, and access claims please visit myaccount.uhcsr.com or download their mobile app from your smartphone (UHCSR Mobile App) available on the App Store or Google play.
- Directions for creating an UHC Account Online to Access your ID Card, Locate Providers and Access Claims
Once you are enrolled, ID cards will be mailed to your local address in SOLAR by United Healthcare.

If you cannot print your card, please contact the Student Health Insurance Office via phone at (631) 632-6517, or via email at studenthealthinsurance@stonybrook.edu

If you present this insurance card for use, please note that you will be using the University Student Health Insurance.
You should always seek treatment at the west campus Student Health Service (SHS) for an assessment and possible treatment of your medical problem.

In the event you need to go off campus for medical care, you may use any practitioner you wish. However, medical providers who are part of United Healthcare preferred provider organization (PPO) will provide discounts for their medical services and your bill will be covered up to the limits of the insurance plan. Usually, you will not need to complete a claim form with these doctors. If you do not use United Healthcare providers, you may find that your provider has charged higher fees, and you may have a balance to pay after the insurance company pays its portion. For a listing of medical providers in the United Healthcare PPO network, go to uhcsr.com

To check claims status, ask benefit questions, locate a provider, or to inquire about specific drug coverage under this policy: 1-800-767-0700 or customerservice@uhcsr.com
Tele-Health and Tele-Counseling

UnitedHealthcare StudentResources and HealthiestYou have partnered together to provide access to doctors and mental healthcare from anywhere you are, even while traveling internationally. All services are free for students covered under the UHCSR insurance plan; services are available for all other students for a fee, as noted in the pdf below.

More Info
Claim forms are used if you see a medical provider that is not in the United Healthcare network. In addition, when you purchase medicines from an outside pharmacy you must always pay for the medicines in full, and then send a claim form with the paid receipt to United Healthcare for reimbursement. To submit a claim online, visit MyAccount.uhcsr.com or download the Claim and Mail Order Reimbursement Form

To check claims status call 1-800-767-0700 or email customerservice@uhcsr.com
You must complete a waiver at the beginning of EACH academic year, by the first day of classes. If you are an incoming student beginning in the Spring semester, submit a waiver by the first day of Spring classes.* However, if you lose your alternative insurance coverage at any time, you should contact the Student Health Insurance Office immediately.

*If an exception is made to the late waiver policy, there will be a minimum insurance charge of $31.25 applied to your SOLAR account.

Gaps in health insurance coverage are not permitted. Please contact the Student Health Insurance Office at (631) 632-6054, by e-mail at studenthealthinsurance@stonybrook.edu.

To file a waiver the student must go to the SOLAR main page, and click on "Campus Financial Services," and then "Required Insurance/Waiver." Waivers will not be accepted after the deadline. All waivers will be verified by our insurance broker (Haylor, Freyer and Coon).

If our broker is unable to verify your insurance information you will receive an email from student@haylor.com requesting additional information. The FSA student services office will also send you an email to let you know your current waiver was denied. If you were denied because you have an Out of State Medicaid plan and you are living at home, taking all of your classes online, the FSA Services Office will override the denial and approve your waiver.

For step-by-step instructions on how to fill out a waiver on SOLAR, download our guide.

Requirements

Waivers for this insurance plan are approved only if the student already has alternate health insurance in place and completes a waiver online (on SOLAR) prior to the start of the semester. Your alternate insurance must meet the following requirements:
- Your alternate insurance plan will be in effect for the entire academic year (or through the completion date of your academic program)
- Your alternate health plan must cover inpatient and outpatient medical care, prescription coverage and mental health care coverage within 75 miles of Stony Brook University, including routine, urgent and emergency care (emergency-only coverage does not satisfy this requirement)
- Your alternate health plan must be provided by an insurance company based in the United States and that is compliant with the Patient Protection and Affordable Care Act (Short-Term, limited duration plans do not satisfy this requirement.)
- If you are waiving this plan with a Medicaid Insurance Card, in order for your waiver to be accepted, it must be a Medicaid Plan that was established in NY State and must provide active, in-network coverage. (Out of state Medicaid Plans will not be accepted)
With graduation approaching, now is the time to start thinking about your health insurance coverage. As a young adult, you have choices: stay on your parent’s health plan, buy your own plan, or get coverage through a new job.

If you decide to get your own insurance, you’ll find lots of choices at NY State of Health. There are many plans at different coverage levels and all plans cover health services such as yearly check-ups, flu shots, emergency services and prescription drugs. You may be surprised how affordable getting coverage can be. Some plans will cost less than your monthly cell phone bill and for some people, depending on income, coverage will be free.

Even if Open Enrollment for the year has ended, you may still be able to enroll in coverage this year if you qualify for free coverage, or if you enroll within 60 days of a Qualifying Life Event. Qualifying Life Events include no longer being eligible to stay on your parent’s health insurance, loss of other health insurance, a permanent move to another part of New York State, getting married or having a child.

Links
Have additional questions or are ready to enroll?

We have lots of trained experts who will guide you step by step in selecting and signing up for a plan that’s right for you. To find an assistor in your community, go to https://nystateofhealth.ny.gov/agent/hx_brokerSearch or call us at 1-855-355-5777, TTY: 1-800-662-1220.

Watch a short video Health Insurance – It’s What Adults Do at info.nystateofhealth.ny.gov/YoungAdultsVideo.

Download the Graduation Fact Sheet

Frequently Asked Questions

To complete this process, please log into Solar under "Campus Financial Services", and then "Required Health Insurance/Waiver" and follow the prompts.

Select you will be full-time, then submit and update waiver now, to enter your insurance information. Be sure to hit submit when done.

You will need to have your insurance card handy to complete this process.

Please note that all submitted waivers will be verified by our Broker.
When you look at your account in Solar, please be sure to look at all charges and then credits for each term. (you may need to scroll down)

The account will look like a credit card statement. One line will be the charge for insurance, and a separate line will be the waiver (appearing as a negative dollar amount).

Contact Us:

If you have questions about benefits, coverage, claims or exclusions you may contact United Healthcare Customer Service at 1-800-767-0700 or customerservice@uhcsr.com or visit myaccount.uhcsr.com/login

For questions about insurance charges on your student account or your waiver status, you may contact the Student Health Insurance Office located at:

FSA Student Insurance Office
West Side Dining, Second Floor (FSA Suite)
Phone: (631) 632-6054
Email: studenthealthinsurance@stonybrook.edu

Student Health Insurance