- If you need to see a doctor, fill a prescription, or go to the emergency room, you’ll pay a fixed dollar amount when you use an in-network provider. The plan pays the rest. Copays keep your out-of-pocket costs predictable and manageable.
- For other types of care, you may also pay a deductible and coinsurance for certain visits, procedures, and diagnostic tests like x-rays. The plan has fixed coinsurance—generally 20%—but the amount you pay will be varied.
- Convenience
- You’ll find a wide network of participating providers in New York City. Many are affiliated with Fordham University and are just a walk, bus ride, or few train stops away.
- Search the Preferred Provider Network directory here.
- A Different Network
- For many health plans—like SHIP—you pay much less for care when you use “in-network providers' '—doctors and facilities affiliated with the insurance company’s network. If you use a provider outside this network, you’ll pay more—maybe a lot more. When UHS refers you to a non-UHS provider, they will likely refer to someone in the SHIP network, keeping your costs as low as possible. However, if this provider is not in your parent’s plan’s network, your out-of-pocket costs could be much higher.
- High Premiums
- Chances are your parents pay additional premiums to cover you under their plan. SHIP coverage costs are generally less than what your parent/guardian pays for dependent coverage under their plan.
- A High Deductible
- Your parents may have a so-called “high deductible health plan,” and may have to pay $1,500, $3,000, or even more before their plan starts paying benefits for you. In contrast, the SHIP deductible is just $400 per policy.
- Generally, SHIP will pay benefits first, and your plan will pay second.
- Aging out of coverage provided by a parent’s plan
- Loss of a job
- Changes to your parent’s or spouse’s plan
- Getting married or divorced
- You pay little or nothing for coverage under your current plan. If your current coverage is free to you, or your premiums are very low, it may be the best overall value even if you pay a little more for care. However, you may also want to consider coverage under both your current plan and SHIP.
- You’re from New York , and can easily return to your home area to see a provider who participates in your parent’s plan.
- Your current plan’s network is the same as or similar to the SHIP network , and that plan’s in-network providers are close to campus.
- Your current plan has good out-of-network coverage, so the cost impact of seeing an out-of-network provider is minimal.
- Your total cost for care (the premium you pay for coverage plus your estimated out-of-pocket costs for the care you may need) is equal to or less than your total cost with SHIP coverage.
- Employer-sponsored coverage (including Consolidated Omnibus Budget
- Reconciliation Act (COBRA) coverage and retiree coverage)
- Coverage purchased in the individual market, including a qualified health plan
- offered by the Health Insurance Marketplace (also known as an Affordable
- Insurance Exchange)
- Medicare Part A coverage and Medicare Advantage (MA) plans
- Medicaid coverage in Massachusetts
- Children's Health Insurance Program (CHIP) coverage
- Certain types of veterans health coverage administered by the Veterans Administration
- TRICARE
- Coverage provided to Peace Corps volunteers
- Coverage under the Nonappropriated Fund Health Benefit Program
- Refugee Medical Assistance supported by the Administration for Children and Families
- Self-funded health coverage offered to students by universities for plan or policy years
- that begin on or before Dec. 31, 2014 (for later plan or policy years, sponsors of these
- programs may apply to HHS to be recognized as minimum essential coverage)
- State high risk pool coverage established on or before November 26, 2014 in any state
Q: Does SHIP cover behavioral health?
A: Yes. Under SHIP, students pay just a $10 copay per office visit with clinicians in the Preferred Provider Network, with no limit to the number of sessions with in-network providers covered per year.
Q: If I have dependents, will SHIP cover them?
A: Dependent coverage is available and eligible dependents include your spouse and dependent children up to age 26. Students must enroll dependents online and pay directly to aetnastudenthealth.com.
Q: Will my parent’s plan cost more than SHIP?
A: It may or may not; you’ll have to take a close look at both the cost of coverage (your premium) and the potential cost of care (what you pay in deductibles, copayments, and coinsurance). The only way to know is to compare your potential costs for the types of care you may need: doctor or specialist visits, prescription medication, lab tests, and perhaps a trip to the emergency room or hospitalization. When you compare your potential costs, you may discover that SHIP coverage offers the best value. For example, your parent’s plan may have:
Q: What happens if I want to enroll in SHIP and keep my current plan?
A: If you wish, you can continue your current coverage and enroll in SHIP for additional coverage. When you are covered by more than one plan, certain rules establish which plan pays benefits first; this is called “coordination of benefits.” The coordination of benefit rules under SHIP are as follows:
Q: What if I need care when UHS is closed?
A: When UHS is closed, for minor conditions you may wish to utilize Teladoc® for a
telemedicine visit, a walk-in clinic such as CityMD, or an urgent care clinic. In the case of severe, life-threatening accidental injury or illness, visit an emergency room.
Q: How do I know if my doctor is in Aetna’s network?
A: Use the Aetna Provider Directory to search for your provider.
Q: Does SHIP cover dental and vision?
A: No, SHIP does not cover dental and vision. However, Aetna offers the Aetna® Vital Savings, a dental discount program that helps you get instant dental savings on dental care. View how to enroll or find more information.
Q: Where can I find details on SHIP’s policy?
A: Please visit this link to view SHIP’s details, information about coverage, benefits, deductibles and more.
Q: If I have previously waived coverage, can I later enroll?
A: You can add SHIP coverage outside of the normal enrollment period only if you experience a qualifying event.
You must provide documentation within 31 days of the event in order to add SHIP coverage. To learn more about qualifying life events, call 718-817-4164 or email [email protected] .
| Student Type | Waiver Permitted |
| Domestic (undergraduate & graduate) | Yes if ACA-compliant coverage is demonstrated |
| International (undergraduate & graduate) | Yes if enrolled in an ACA-compliant plan underwritten in the United States |
Remember, you should not waive coverage if your current plan does not meet ACA minimum essential coverage requirements. If your current plan doesn’t meet these requirements and you waive coverage, you may pay a federal tax penalty. Find out more about minimum essential coverage in the Affordable Care Act (ACA ) section of this FAQ document. You also should not waive coverage if your health plan will only cover emergency care where you are studying.
Q: Where can I waive coverage?
A: You can waive out of SHIP by going to aetnastudenthealth.com or clicking here for the instructions to waive.
Q: When is my deadline to waive coverage?
A: If you decide to waive coverage, you must do so by September 10 and February 23 for all Fordham students to be credited for the SHIP in your student account.
Q: Does SHIP meet ACA minimum essential coverage requirements?
A: Yes.
| Contact | Phone Number | |
| University Health Services Rose Hill Campus | 718-817-4160 | [email protected] RH Fax: 718-817-3218 LC Fax : 212-636-7164 |
| University Health Services Lincoln Center Campus | 212-636-7164 | |
| Maritza Rivera-Garcia Student Health Insurance Compliance Administrator | 718-817-4164 | [email protected] |
| Aetna Provider Directory (provider search) | 866-381-1529 | Contact Aetna Student Health Support here online . Mail : Aetna, Student Health 151 Farmington Avenue Hartford, CT 06156 |
| Aetna Student Health Customer Service |
