{"id":62,"date":"2020-06-03T11:48:37","date_gmt":"2020-06-03T15:48:37","guid":{"rendered":"https:\/\/www.adelphi.edu\/health\/?page_id=62"},"modified":"2026-07-31T16:58:56","modified_gmt":"2026-07-31T20:58:56","slug":"insurance","status":"publish","type":"page","link":"https:\/\/www.adelphi.edu\/health\/insurance\/","title":{"rendered":"Health Insurance"},"content":{"rendered":"<p>Adelphi Health Services provides accessible <a href=\"https:\/\/www.adelphi.edu\/health\/services\/\">on-campus medical care for students<\/a>, including illness visits, preventive care, health guidance and select clinical services. <span>Some services are available at no additional cost, while eligible medical visits and clinical services are billed through health insurance.<\/span><\/p>\n<h2>Student Health Insurance Plan (SHIP)<\/h2>\n<p><strong>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.<\/strong><\/p>\n<p data-start=\"684\" data-end=\"922\">Adelphi offers a student health insurance plan through United Healthcare, administered by <a href=\"https:\/\/www.gallagherstudent.com\/adelphi\/\" target=\"_blank\" rel=\"noopener\">Gallagher Student Health and Special Risk<\/a>. The plan meets state and federal requirements and is designed to protect students\u2019 health and well-being.<\/p>\n<p>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.<\/p>\n<h3>Eligibility<\/h3>\n<p>The Student Health Insurance Plan is available to:<\/p>\n<ol>\n<li><strong>Students living in Adelphi residence halls<\/strong><\/li>\n<li><strong>International students<\/strong><\/li>\n<li><strong>Student-athletes<\/strong> (beginning Fall 2026)<\/li>\n<\/ol>\n<p>Residential students, international students and student-athletes are automatically enrolled unless they <a href=\"https:\/\/www.adelphi.edu\/health\/insurance\/waiving-insurance\/\">successfully submit an approved waiver<\/a> by the published deadline.<\/p>\n<p><a href=\"https:\/\/aui.adelphi.edu\/\" target=\"_blank\" rel=\"noopener\">Adelphi International (AUI)<\/a> students are required to enroll and are not eligible for a waiver.<\/p>\n<p>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.<\/p>\n<p>Students who are not eligible for the University&#8217;s Student Health Insurance Plan can review other health insurance options available through <a href=\"https:\/\/nystateofhealth.ny.gov\/\" target=\"_blank\" rel=\"noopener\">New York State<\/a>.<\/p>\n<h3>2026\u20132027 Coverage Period<\/h3>\n<ul>\n<li data-start=\"1495\" data-end=\"1546\"><strong data-start=\"1495\" data-end=\"1510\">Annual Plan<\/strong>: August 10, 2026 \u2013 August 9, 2027<\/li>\n<li data-start=\"1549\" data-end=\"1670\"><strong data-start=\"1549\" data-end=\"1569\">Spring-Only Plan<\/strong> (for students entering Adelphi for the first time in the spring): January 1, 2027 \u2013 August 9, 2027<\/li>\n<\/ul>\n<h3 data-start=\"1672\" data-end=\"1692\">Health Insurance Fees<\/h3>\n<p>The annual premium for the 2026-2027 academic year is <strong>$2,186.<\/strong><\/p>\n<p>Students are billed in two installments:<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<th style=\"width: 50%;\">Term<\/th>\n<th style=\"width: 50%;\">Insurance Cost<\/th>\n<\/tr>\n<tr>\n<td style=\"width: 50%;\">Fall (August 10, 2026 \u2013 December 31, 2026)<\/td>\n<td style=\"width: 50%;\">$862.42<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%;\">Spring (January 1, 2027 \u2013 August 9, 2027)<\/td>\n<td style=\"width: 50%;\">$1,323.58<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; background-color: #ffb500;\"><strong>Annual Plan (August 10, 2026 \u2013 August 9, 2027)<\/strong><\/td>\n<td style=\"width: 50%; background-color: #ffb500;\"><strong>$2,186<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>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.<\/p>\n<p>Fees for students entering Adelphi for the first time in the spring semester will be announced before spring billing begins.<\/p>\n<p>Insurance premiums appear on the student&#8217;s tuition statement as \u201cHealth Insurance Plan\u201d.<\/p>\n<h3 data-start=\"279\" data-end=\"309\">Optional Vision and Dental Coverage<\/h3>\n<p data-start=\"310\" data-end=\"522\">For an additional fee, the student health insurance plan offers optional <a href=\"https:\/\/www.gallagherstudent.com\/adelphi\/\" target=\"_blank\" rel=\"noopener\">vision and dental insurance add-on coverage<\/a>. These add-ons provide students with discounted rates on dental and vision care services.<\/p>\n<h2 data-start=\"310\" data-end=\"522\">Health Insurance Billing<\/h2>\n<p>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.<\/p>\n<p>Eligible clinical services that may be billed to insurance include:<\/p>\n<ul>\n<li>Illness or injury visits<\/li>\n<li>Physical exams<\/li>\n<li>Immunizations<\/li>\n<li>Travel health services<\/li>\n<li>Allergy immunotherapy<\/li>\n<li>Other clinical medical services<\/li>\n<\/ul>\n<p>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:<\/p>\n<ul>\n<li>Copayments<\/li>\n<li>Deductibles<\/li>\n<li>Coinsurance<\/li>\n<li>Services not covered by their insurance plan<\/li>\n<\/ul>\n<p>Students are responsible for any applicable cost-sharing or balances not covered by their insurance.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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&hellip;<\/p>\n","protected":false},"author":6,"featured_media":0,"parent":0,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-62","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<title>Health Insurance | Health Services<\/title>\n<meta name=\"description\" content=\"Health insurance is required for students living on campus, international students and student-athletes. 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