Health Insurance

        

All students are encouraged to carry adequate illness and accident insurance coverage during their college years. This is necessary to cover hospitalization, ER visits, X-rays and lab tests, doctor visits, prescriptions, and ambulance costs. Resident students and their parents are encouraged to check their policies for coverage while away from home.

Coverage for Young Adults

Until now, most young adults "aged off" their parents' health insurance when they turned 19 or graduated from college.  Under the Affordable Care Act, if you are covered under your parent's policy, 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.  You can also remain covered if you are married.  However, if you are eligible for health benefits from your own job, your parents' existing job-based policy may not have to cover you.  Even if you already "aged off" your parents' policy, you may have a chance to rejoin. Please have your parents check with their employers for more information.

 

Medaille College Student 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.

Please check your present insurance to make sure you are covered during the college years.  If you need insurance, you may be interested in one of the two plans listed below.  Please look them over carefully to make sure you qualify regarding credit hours taken, and that the plan you choose meets your needs regarding the exclusions, benefits paid, as well as, your out of pocket costs. 

Please go to the following links to view the plans:
www.gallagherkoster.com/medaille 
www.shs-nn.com/student-insurance-medaille.asp 

Specific questions about each plan can be answered by the plan administrator listed on the company’s website.

 

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.

Medaille College © 2014   All Rights Reserved