Health Insurance

        

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 www.healthcare.gov  or for New York State residents, go to https://nystateofhealth.ny.gov/ 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. 

Fidelis Care

Fidelis Care offers low-cost health coverage for eligible students.  You must be a resident of New York State and meet certain income guidelines to qualify.

Check out the link below for more information: 
http://www.fideliscare.org 

 

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 very important 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. The deductible, which is the amount you have to pay before the insurance company pays anything, should be as low as possible. Please review this website provided by the American International Education Foundation (AIEF) for more information.

The companies listed below, among others, provide International Student coverage:
International Student Protection
HTH Worldwide

I'm grateful for the education I've received.

The instructors were knowledgeable and welcomed class discussions, with
respect for each student's contribution. I've learned how to be a more
effective leader. My capstone class gave insight on how to combine all
the education learned to operate a business. That's when I realized how
much I had sharpened my knowledge.

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