SBU Student Health Insurance Plan (SHIP)
Health insurance encourages students to seek medical care for potentially infectious diseases, mental health treatment and medications and for other conditions that could have serious consequences to themselves and others in the community.
SHIP helps students who require mental health treatment, especially during periods of high stress, can seek treatment at the Student Health Services Center. Students who want to seek treatment off campus would have to pay out of pocket.
Student health insurance provides a level of safety to all students and to their peers.
A visit to the Emergency Room of a hospital can cost between $200 and $1,000. After the visit, a student has follow-up physician visits, testing, and sometimes even surgery. A very serious illness or injury can cost way beyond anyone's wallet can afford (average cost of in-patient hospitalization can be $15,000).
Financial aid may be applied towards our health insurance premiums.
Coverage information can be accessed at: www.aetnastudenthealth.com/sbu
The University believes the plan which has been selected, after extensive consideration, has already proven to be a benefit to most of our University community.
THE BILLING AND WAIVER PROCESS
All full time students are billed automatically for the health insurance plan when they register for classes.
A student who has comparable alternate health insurance may waive SHIP. It must be waived on SOLAR by either September 15th for Fall, or by February 15th for Spring/Summer. The SOLAR waiver takes only about 3 minutes to complete.
In the event that a waiver is not granted and a student wishes to appeal the decision, he or she may do so by completing a Request for Appeal of Waiver Denial form and submitting it to the Student Health Service Medical Director.
If the Medical Director denies an appeal based on medical factors, that decision will be final.
If the appeal is based on non-medical factors, the student may complete and submit a Request for Final Appeal of Waiver Denial form to the Student Health Insurance Appeals Committee through the FSA Customer Advocate.
Random audits are carried out each semester. Students that are selected must prove they have comparable health insurance.
THE AETNA PLAN
Premium for Fall 2014 (8-16-14 through 1-15-15): $975
Premium for Spring 2015 (1-16-15 through 8-15-15): $1,354.50
Coverage is generally for illnesses and accidents, needing the following medical services:
- Physician office visits
- Outpatient testing in labs
- Radiology, such as X-rays, CAT scans, MRIs, etc.
- Pharmacy medications
- Inpatient hospitalization
- Mental health counseling
- Yearly gynecological and prostate examinations
- …and more.