Health Insurance

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Good Health is essential for students to perform well academically. However, accidents and illnesses can occur and may cause bills that can be financially devastating for college students. Medaille College strongly encourages all students to have adequate health insurance to provide coverage for medical expenses.

Until now, most young adults "aged off" their parents' health insurance when they turned 19 or graduated from college. Under the Affordable Care Act, you may be able to remain covered up to age 26. You don't need to live with your parents to be eligible for this coverage. Please have your parents check with their employers for more information.

If you are unable to be covered under your parents plan and need insurance, please go to or for New York State residents, go to to explore the options available to you under the Affordable Care Act. Please make sure that the plan you choose meets your needs regarding the exclusions, benefits paid, your out of pocket costs, and that it will cover you while you are away from home.

International Students

The United States does not have a government medical plan or health service that covers the whole population. Instead, most people have private health insurance which pays for a large portion of the cost of medical treatment. Medical care in the United States is very expensive. A visit to an urgent care facility can be almost $200 and a visit to an emergency room in a hospital can be over $500. Therefore, it is essential that you purchase health insurance that will cover you while you are in the United States. If you purchase a policy in your home country, please make sure that the policy pays for benefits in the United States.

Please select your health insurance policy carefully. Health and accident insurance does not cover all medical expenses. Carefully note what it covers and what it excludes. Most policies do not cover routine dental or vision expenses and most do not cover pre-existing medical conditions until you have been on the policy for six months. Standard plans also do not cover athletic injuries, therefore, if you are participating in the Athletic Program, you must purchase a plan that covers intercollegiate sports injuries. The deductible, which is the amount you have to pay before the insurance company pays anything, should be as low as possible. Given the high costs of health care in the US,  it is essential that you have adequate medical insurance coverage throughout your time of study at Medaille College.  Of course we hope that no one will become sick or be injured, but you will need to be protected in case an accident or illness occurs.

Here a few options (though the college is not recommending or endorsing any particular company):


Student Health Advantage          Two levels of coverage available

PGH Global                                 Must purchase Global Care Plus Sports plan only

Gallagher Student Health           Must purchase Sports Plus plan only


Student Health Advantage                        

PGH Global             

Gallagher Student Health

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