Domestic Student Health Insurance Plan (SHIP)
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.
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. To file a waiver the student must go to the SOLAR main page, and click on “Student Financial Services,” and then on “Health Insurance Waivers.”
Program Highlights:
- NEW FOR 2019-2020: 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 $200 for an individual.
- Annual out of pocket limit of $3,000 which includes deductibles, copays and coinsurance.
- Covers inpatient and outpatient mental health care. $15 copay for in network providers. $15 plus 30% coinsurance for out of network providers.
- No deductible applied to prescription drug coverage.
More Info: UHC 2019-20 Plan Highlights
Please note: Office visits for Primary Care and Specialists have a $35 copayment with 0% coinsurance with a referral and 30% coinsurance without a referral.
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.
United Healthcare Rates
| 2019 - 2020 | Annual | Fall/Winter | Spring/Summer | Summer |
|---|---|---|---|---|
| Student | $3,676.46 | $1,542 | $2,134.46 | $939.68 |
| Spouse/Domestic Partner | $3,676.46 | $1,542 | $2,134.46 | $939.68 |
| One Dependent | $3,676.46 | $1,542 | $2,134.46 | $939.68 |
| Two or More Dependents | $7,352.92 | $3,084 | $4,268.92 | $1,879.36 |
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 | 8/15/2019 | 8/14/2020 | 8/26/2019 |
| Fall/Winter | 8/15/2019 | 1/14/2020 | 8/26/2019 |
| Spring/Summer | 1/15/2020 | 8/14/2020 | 1/27/2020 |
| Summer | 5/15/2020 | 8/14/2020 |
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.
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 in person at 157 East Side Dining, 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. By coming to the Student Health Service first, your deductible will be significantly reduced for that 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
Tele-Health services are offered through HealthiestYou to provide you with round-the-clock remote access to board-certified physicians.
Tele-Counseling
The tele-counseling service is offered through BetterHelp, a national virtual counseling service. Starting on the effective date of your policy, you have access to Psychologists (PhD / PsyD), Marriage and Family therapists (LMFT), Clinical Social Workers (LCSW) and Licensed Professional Counselors (LPC). These professional licensed counselors will be available to you via ongoing text communications, live chat, phone, video or groupinars.
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 August 26. If you are an incoming student beginning in the Spring semester, submit a waiver by January 27. However, if you lose your alternative insurance coverage at any time, you should contact the Student Health Insurance Office immediately.
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 or visit us at East Side Dining, Room 157.
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)
The following plans will not be accepted:
- Medi-Share
- PHCS Savility Payers
- Aliera Healthcare
- Christian Healthcare Ministries
- Christian Medical Sharing
- Christian Healthshare
- Christian Health Insurance
- Christian Medical Insurance
- Christian Healthcare
- Christian Healthcare Insurance
- Christian Medical Cost Sharing
- Christian Healthcare Sharing Ministries
- Unity HealthShare
- Liberty HealthShare
- Trinity HealthShare
- Altrua HealthShare
- Solidarity HealthShare
- Health Share of Oregon
- Samaritan Ministries
- Freedom Healthshare
- Kingdom Healthshare
- HSA for America
- Tandigm Healthshare
- United Refuah Healthshare
- THA Healthshare
To file a waiver the student must go to the SOLAR main page, and click on "Student Financial Services," and then "Health Insurance Waivers." Waivers will not be accepted after the deadline. All waivers will be verified by our insurance broker.
For step-by-step instructions on how to fill out a waiver on SOLAR, download our guide.
You can be reimbursed just for visiting the gym!
Download the Fitness Reimbursement Flyer to learn more
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.
Additional Resources
- American College Health Association (ACHA)
- US Department of Health and Human Services
- Kaiser Health News: College Health Plans: Exploring the Options (06/18/12)
- Gallagher Koster's Healthcare Exchanges FAQs for Students
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 Services Office
157 East Side Dining
Phone:
(631) 632-6517
Email:
studenthealthinsurance@stonybrook.edu