Student Health Insurance
Health insurance is mandatory for all full-time and part-time Upstate Medical University students.
- Hospitalization, emergency care and medical care obtained other than that provided at Student Health is not covered by the student health fee and must be submitted to the student's insurance carrier for payment.
- Keep your health insurance identification card with you at all times.
Student Health should be kept informed of any changes in health insurance. Coverage must not be allowed to lapse because this may invalidate coverage for existing or pre-existing conditions.
If the health insurance form was not completed during fall registration, you should bring your health insurance policy number with you to the first visit to Student Health.
If the health insurance form was not completed during registration, you should bring your health insurance policy number with you to the first visit to Student Health.
Student Health and Health Insurance Q & A
Where Do I Go for Healthcare on Campus?
The Student Health Office, located on the 4th floor of Jacobsen Hall, is the place to come for routine and acute care. Medical care provided by practitioners at Student Health is covered by the student health fee. You will not be billed for these services. However, if you require diagnostic tests, hospitalization or referral to a specialist you are responsible for these expenses and need to have health insurance in place to cover these costs.
Why Does a Healthy Person Need Health Insurance?
Even though Student Health may be able to provide care for many health concerns during regular hours of operation, insurance is necessary to cover any other healthcare costs. An unforeseen illness requiring hospitalization or specialized treatments can cost tens of thousands of dollars. Without health insurance, this type of debt can take many years to pay off.
Health insurance that provides adequate coverage can also help avoid serious illness. Persons with coverage are more likely to undergo recommended screening and seek care earlier when signs of illness arise. Diagnostic testing can be ordered by your healthcare provider based on medical necessity rather than needing to factor in your ability to pay out of pocket. Adequate medical insurance also facilitates referral to other specialists or medical facilities than may be reluctant to initiate care if insurance is not in place.
What Is Adequate Insurance?
You get what you pay for. Unfortunately there are no health insurance bargains. Low cost policies that provide limited coverage only for catastrophic illness are not advisable. The chances of suffering this type of health problem is much less than fracturing a bone or needing your appendix removed, which may not be covered adequately by this type of policy.
Your insurance should have a reasonable deductible (the amount you pay before the insurance begins to pay), perhaps no more than $250 dollars. Once you exceed the deductible it should pay the major part of the medical bill, for example 80% or more. If you have to go for a doctor’s visit or a test, you may still be responsible for a co-pay, which should also be reasonable at $10 – 25. Medications can be expensive, so prescription coverage is advised.
Just like insurance on a car or a house, you get what you pay for. Knowing that your health is more important than any possession, the decision to always have satisfactory health insurance should be an easy one.
What About Health Insurance for Upstate Students?
First of all, health insurance is mandatory for Upstate students and must be in effect, without any lapse in coverage while you are a student here. Most students can now be covered by their parents' health insurance until age 26 if they have family coverage in effect. Health insurance for Upstate students is also available through Student Services. This coverage is through Excellus BlueCross BlueShield. Each year the Student Health Advisory Committee (SHAC), comprised of students and administrators, reviews insurance coverage and rates and then decides on appropriate coverage.