Health Insurance at NYU Law

NYU Law requires all students to have health insurance. This is to ensure students have coverage for medical expenses while studying at the school. NYU Law offers two health insurance plans for students to choose from.

The Basic Plan

The Basic Plan is the more affordable option. It has lower monthly premiums but also provides less coverage than the comprehensive plan. Some key details of the Basic Plan:

  • Monthly premium for 2022-2023 is $293 per month. This covers the period from August 2022 to July 2023.
  • It has a $500 deductible that the student must pay before insurance kicks in.
  • Co-insurance is 20%, meaning the student pays 20% of costs and insurance pays 80% after deductible is met.
  • There is an out-of-pocket maximum of $2,000, which is the most the student would have to pay in a year.
  • It covers routine doctor visits, basic medical care, and medications. But has limits on mental health and specialists visits.

The Comprehensive Plan

The Comprehensive Plan costs more in monthly premiums but provides more generous coverage. Here are the key details:

  • Monthly premium for 2022-2023 is $326 per month.
  • It has a lower $250 deductible than the Basic Plan.
  • Co-insurance is only 10%, so the student pays less of costs after deductible is met.
  • The out-of-pocket maximum is higher at $3,000 per year.
  • It covers more services like mental health visits, specialists visits without referrals, and some preventative care at no cost.

Waiving Insurance

Students can waive the NYU Law insurance if they have other private coverage, such as through their parents. The private insurance must meet NYU Law’s minimum requirements for coverage. Students must apply to waive the insurance each year.

I hope this helps explain the health insurance options available to NYU Law students simply and clearly. Let me know if any part needs more explanation.

FAQs

Q1. What is the deadline to enroll in a NYU Law health insurance plan?

A: The enrollment deadline is typically in August before the start of the fall semester. Students must complete enrollment by this date for insurance to be in effect from the beginning of the academic year in late August/early September. After the initial deadline, enrollment is only possible if the student has a qualifying life event.

Q2. Can I waive the NYU Law insurance if I am covered under my parents’ plan?

A: Yes, you can waive the NYU Law insurance if you have other private health coverage, such as through your parents, that meets NYU Law’s minimum requirements. You will need to submit a waiver application by the deadline providing details of your existing private coverage.

Q3. How do I file a claim with the NYU Law insurance?

A: To file an insurance claim, you will need to submit documents like the medical bill/receipt and claim form to the insurance company. You can find all the required forms on the company’s website. You can submit claims online, via mail or fax. The insurance company will process it and send you payment after applying deductible/coinsurance based on your plan details.

Q4. Does the NYU Law insurance cover pre-existing conditions?

A: Yes, both NYU Law insurance plans cover pre-existing conditions. Students can receive treatment and medication for pre-existing illnesses from the first day of coverage without any waiting period. The plans do not exclude or limit coverage for any pre-existing medical conditions.

Q5. What is covered under mental health services in each plan?

A: The Basic Plan covers up to 15 mental health visits per year. The Comprehensive Plan covers up to 30 visits per year with no referral or pre-authorization required. Both plans cover services like counseling, psychotherapy, substance abuse treatment rendered by psychiatrists, clinical psychologists or licensed clinical social workers.

Q6. How do spouse/domestic partner or dependent coverage works?

A: Students can enroll their legal spouse/domestic partner and/or children on their NYU Law insurance. They will be considered dependents and charged an additional fee each month. The dependents will receive the same coverage benefits as the student under the selected plan. They can visit in-network providers without referral.

Q7. What is not covered by the NYU Law health insurance plans?

A: Generally excluded services are cosmetic procedures, experimental/investigative treatments, weight loss programs, vision/dental care, hearing aids, long term care, and services received outside the U.S. Pre-existing condition exclusions may apply under the Basic Plan. Refer to individual plan documents for full list of exclusions.

Conclusion

NYU Law requires all students to have health insurance coverage during their studies. This is to ensure students can access medical care when needed without facing high costs. The school offers two plan options for students to choose from based on their needs and budget. Both plans provide comprehensive medical coverage. Students should carefully review the details of each plan to decide which one best suits their situation. Maintaining health insurance is important for student’s wellbeing and financial protection while at NYU Law.

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