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Health Insurance Requirement

Effective Fall 2019, Iona College will require all full-time undergraduate students to have health insurance. We are pleased to be offering the Iona College Student Health Insurance Plan (IC-SHIP).

The IC-SHIP* is a platinum-level plan with coverage of 90% in network/70% out-of-network which means that, with few exceptions, there will be low deductibles and the lowest out-of-pocket costs for care while getting the maximum coverage of costs by the plan.

Students can either enroll in IC-SHIP or retain coverage via their parents’ plan or their current health insurance plan.

How can I waive or enroll in the Iona College sponsored plan?

Fall Semester

  • The enrollment/waiver process will start on June 10
  • The deadline date is September 3

Spring Semester

  • The enrollment/waiver process will start on December 1
  • The deadline date is January 31

Students will be required to choose one of two options:

  • Waive enrollment in the IC-SHIP by providing pertinent details of personal insurance coverage; or,
  • Confirm enrollment in the IC-SHIP and register for your plan documents & Insurance ID Card

If the student will use their own health insurance plan, or be covered by a parent’s plan, they will be asked to demonstrate proof of comparable health insurance coverage and to actively waive out of the IC-SHIP by the semester deadline listed above.

If your waiver is approved by the insurance administrator, the Student Financial Services office will be notified and the insurance charge will be removed from the tuition account, usually within 48 hours.

If you do not waive out of the IC-SHIP by the deadline, you will be automatically enrolled, automatically issued an Insurance ID Card, and be fully liable for the charge for the plan that will remain on your student tuition bill. Education loans can be applied to cover the cost of the IC-SHIP premium. The Iona College Financial Aid Administration Office will be able to assist with the loan process and any related loan questions.

What are the details of the IC-SHIP plan?

The cost of the plan for 2019-2020 is $2,198 with coverage extending from August 1, 2019 to July 31, 2020. The Spring-only cost of the plan for new students entering in the Spring is $1,282. The charge for the IC-SHIP will be included in the eBill issued for the semester and all amounts charged are payable by the published payment deadlines for each term.

We encourage a thorough, detailed review of any current plan along with the details of the IC-SHIP plan. One might find that a family insurance plan does not cover services that are out of your geographic network so we encourage those with out-of-state coverage or HMO coverage to review their plans closely. Additional guidance and assistance is available from the plan administrator, Wellfleet Student Health at (877) 657-5030.

Iona College will continue its health and wellness services available through the Health Services office and the Counseling Center for undergraduate students assessed the Health Center Fee each semester whether they are enrolled in the IC-SHIP or maintain alternate health insurance coverage.

Comparable Coverage Requirements

Your alternate insurance plan must meet all of the following criteria for you to waive IC-SHIP enrollment. Your waiver application will be denied if your plan does not provide all of the following:

  • Routine, non-emergency care as well as emergency care provided in the N.Y. metropolitan area
  • Treatment for pre-existing conditions (with no waiting periods or exclusions)
  • Essential health benefits as defined by the Affordable Care Act (ACA)* (see details below)
  • Plan has a claims administrator based in the U.S., a U.S. telephone number and address for submission of claims, and the insurance policy must have been issued in the U.S.
  • Coverage for medical evacuation and repatriation expenses
  • Required for all F1/J1 visa students
  • Required for all other students ONLY when they will be studying/traveling/doing research outside of the United States during the current academic year
  • Active coverage from the day the student arrives on campus through July 31, 2020 or the end of their academic/collegiate sport program (whichever comes first)
  • Must have an annual-of-pocket maximum limits of < $7,550 for individual insurance plans.

Essential Health Benefits, as defined by the Affordable Care Act (ACA)

In addition to the criteria noted above, all alternate insurance plans must include the following benefits as required by ACA:

  • Outpatient care (ambulatory patient services)
  • Emergency services
  • Hospitalization (treatment for inpatient care)
  • Inpatient and outpatient mental health services and addiction treatment
  • Prescription drug coverage
  • Laboratory services
  • Rehabilitative services and devices
  • Inpatient mental health care
  • Preventive services, wellness services, and chronic disease treatment
  • Maternity and newborn care
  • Pediatric services

*The policy is consistent with the Patient Protection and Affordable Care Act and the American College Health Association’s Standards for Student Health Insurance Benefits Programs. The underwriter and administrator of the IC-sponsored student health insurance plan also handles student health information in connection with the operation of those plans. Treatment of such information is governed by the Health Insurance Portability and Accountability Act (HIPAA) and the requirements of applicable New York State law.