Health Insurance
Health insurance coverage is required for students living on campus, international students and student-athletes.
Adelphi Health Services provides accessible on-campus medical care for students, including illness visits, preventive care, health guidance and select clinical services. Some services are available at no additional cost, while eligible medical visits and clinical services are billed through health insurance.
Student Health Insurance Plan (SHIP)
Adelphi University requires all residential and international students to have health insurance coverage that meets ACA and New York State mandates. This ensures students have consistent access to healthcare during their studies.
Adelphi offers a student health insurance plan through United Healthcare, administered by Gallagher Student Health and Special Risk. The plan meets state and federal requirements and is designed to protect students’ health and well-being.
This plan is designed to meet the insurance requirements for residential and international students, offering benefits that align with ACA standards, including customer protection, underwriting guidelines, and state approval by the Division of Insurance. These standards are recognized as best practices among peer institutions of higher education.
Eligibility
The Student Health Insurance Plan is available to:
- Students living in Adelphi residence halls
- International students
- Student-athletes (beginning Fall 2026)
Residential students, international students and student-athletes are automatically enrolled unless they successfully submit an approved waiver by the published deadline.
Adelphi International (AUI) students are required to enroll and are not eligible for a waiver.
Domestic students who do not live in Adelphi residence halls are not eligible to enroll in the Student Health Insurance Plan for the 2026-2027 academic year.
Students who are not eligible for the University’s Student Health Insurance Plan can review other health insurance options available through New York State.
2026–2027 Coverage Period
- Annual Plan: August 10, 2026 – August 9, 2027
- Spring-Only Plan (for students entering Adelphi for the first time in the spring): January 1, 2027 – August 9, 2027
Health Insurance Fees
The annual premium for the 2026-2027 academic year is $2,186.
Students are billed in two installments:
| Term | Insurance Cost |
|---|---|
| Fall (August 10, 2026 – December 31, 2026) | $862.42 |
| Spring (January 1, 2027 – August 9, 2027) | $1,323.58 |
| Annual Plan (August 10, 2026 – August 9, 2027) | $2,186 |
Students enrolled in the fall are automatically enrolled for the spring semester and billed for the remaining balance unless they withdraw from or graduate from the University.
Fees for students entering Adelphi for the first time in the spring semester will be announced before spring billing begins.
Insurance premiums appear on the student’s tuition statement as “Health Insurance Plan”.
Optional Vision and Dental Coverage
For an additional fee, the student health insurance plan offers optional vision and dental insurance add-on coverage. These add-ons provide students with discounted rates on dental and vision care services.
Health Insurance Billing
Adelphi Health Services provides accessible on-campus medical care, including illness visits, preventive care, health guidance and select clinical services. While many services are available at no additional cost, eligible medical visits and clinical services are billed through health insurance.
Eligible clinical services that may be billed to insurance include:
- Illness or injury visits
- Physical exams
- Immunizations
- Travel health services
- Allergy immunotherapy
- Other clinical medical services
When students receive eligible medical services at Adelphi Health Services, claims are submitted directly to their health insurance plan. Depending on their insurance coverage, students may be responsible for:
- Copayments
- Deductibles
- Coinsurance
- Services not covered by their insurance plan
Students are responsible for any applicable cost-sharing or balances not covered by their insurance.
FAQs: Student Health Insurance
Health insurance helps students access medical care both on and off campus when they need it.
To support student health and well-being, Adelphi requires all residential and international students (and student-athletes, effective Fall 2026) to maintain health insurance coverage that meets University, New York State and Affordable Care Act (ACA) requirements.
Health insurance is mandatory for:
- Students living in Adelphi residence halls
- International students studying at Adelphi
- Adelphi student-athletes
Students in these categories must either enroll in Adelphi’s Health Insurance Plan or successfully waive coverage by demonstrating comparable insurance coverage that is valid in New York State.
For residential students, international students and student-athletes, Adelphi offers health insurance through UnitedHealthcare, administered by Gallagher Student Health and Special Risk. The plan is designed to meet state and federal requirements and provides students with comprehensive healthcare coverage while attending the University.
Domestic students who do not live in Adelphi University residence halls are not eligible to enroll in the university’s student health insurance plan. Any student not eligible for the university’s student health insurance plan can learn about other options provided through New York State.
Using insurance billing for eligible clinical services helps Adelphi provide accessible on-campus medical care while expanding available services and helping students avoid potentially higher-cost off-campus care options.
If you are enrolled in Adelphi’s Student Health Insurance Plan or another qualifying plan, Health Services will bill your insurance for eligible services.
These are services provided by the Health Services Center at no cost to Adelphi students:
- mental health counseling through the Student Counseling Center
- over-the-counter medications
- select wellness resources
- basic medical supplies
- health education and support
If you are enrolled in the University’s health insurance plan, the insurance premium will appear on your One-Stop tuition bill.
Medical services received at Health Services are billed separately to help protect the privacy and confidentiality of your healthcare information. If you have questions about a medical bill, please contact Health Services directly.
Insurance companies generally send EOBs to the policyholder listed on the insurance plan. This is the same process that would occur if a student visited a primary care physician, urgent care center or specialist. Students who have concerns about insurance communications should contact their insurance carrier directly.
Health Services follows HIPAA privacy requirements. Medical information is not shared with parents or family members without the student’s authorization, except when required by law.
In many cases, yes. Students who have comparable health insurance coverage that is valid in New York state may apply for a waiver. Coverage must meet Adelphi’s minimum requirements and remain active throughout the required coverage period.
Supporting documentation is required as part of the waiver process.
Absolutely! All Adelphi University students may use Health Services regardless of their insurance plan. If eligible medical services are provided, Health Services will bill the student’s insurance in accordance with applicable coverage and billing procedures.
Adelphi Health Services bills insurance for certain medical services, just as many doctors' offices and urgent care centers do. Depending on your insurance coverage, you may be responsible for applicable copays or other out-of-pocket costs. Mental health counseling and many wellness resources are available without direct insurance billing. If you have questions about insurance coverage, billing or potential out-of-pocket costs, contact Health Services before your visit.
Certain medical services may be billed through your health insurance plan. Depending on your coverage, out-of-pocket costs may apply.
Physical examinations, immunizations and other clinical medical services may be billed through health insurance. Coverage and patient responsibility vary by plan.
Quincy, MA 02171