SUMMER STUDENT HEALTH INSURANCE PLAN
The information below is only for May-entry students during summer 2013. Fall 2013-Spring 2014 information will be available later this summer.

To assist students in avoiding unanticipated medical costs, Cardozo Law School requires all students enrolled in three or more credits during the summer semester to maintain health insurance coverage that meets or exceeds the University’s criteria listed below.

You have 2 options to consider with regard to the Student Health Insurance Plan:

  1. 1. Plan 1 Basic Coverage with an aggregate maximum benefit of $100,000. You will automatically be enrolled in this plan and premium charges will be billed automatically to your Cardozo student account. For summer 2013, you  will be billed $399; OR
  2. 2. Plan 2 Enhanced Coverage with an aggregate maximum benefit of $200,000. For summer 2013, you would be billed $971. To elect this option, contact the Office of Student Finance at 212-790-0392. Premium charges will be billed to your Cardozo student account.

 

As with all insurance plans, please remember that not all of your expenses will be covered. We have made every effort to provide you with low-cost insurance with the best coverage possible at that rate. It is important that you review and understand the terms of each insurance plan and decide whether you wish to opt for Plan 2, with greater coverage, or remain with Plan 1. Cardozo cannot be responsible for any balance of payment that may be due after processing by Academic HealthPlans. You can learn more information, review the complete Plan Brochure, and compare Plan 1 and Plan 2 at www.AHPCare.com/Cardozo. Please make your selection carefully; you will not be able to upgrade your coverage until the next enrollment period. 

The Law School has made a special arrangement to have the deductible and co-insurance waived for visits to a primary care doctor at the Beth Israel Health Services Clinic. This benefit is only available to students who are covered under one of the AHP plans above. The clinic is located at 317 East 17th Street between 1st and 2nd Avenue, 2nd floor and can be contacted by calling 212-420-2882. (Please note that this waiver does not apply to other departments at Beth Israel.)

Students enrolled in either Plan 1 or Plan 2 may also enroll their spouses and/or dependents. Spouses and/ or dependents must be enrolled at the initial time of student enrollment or beginning with the next enrollment period. To enroll your spouse and/or dependent, go to www.AHPCare.com/Cardozo, download a Spouse and/or Dependent Enrollment Form, and submit payment directly to AHP. 

Insurance ID cards will be mailed to the address on file at the school. Please make sure to update your contact information with the Registrar’s Office at Cardozo each time it changes.

Waiver Eligibility

Students who already have coverage equal to or greater than coverage under the Student Health Insurance Plan have the option to request a waiver from the requirements of purchasing the Student Health Insurance Plan. Students must submit a new waiver request each fall, even if they filed one the previous year. Please note that this waiver is only for the summer 2013 term. If you would like to waive from the health insurance for fall 2013 to spring 2014, you must submit a new waiver in fall 2013. Summer waiver requests must be made no later than May 29, 2013. If you request a waiver, you will be required to provide proof that your private insurance plan meets all of the following criteria:

  1. 1. The insurance company must be headquartered and operating in the United States, with a U.S. claims address and customer service telephone number.
  2. 2. The insurance coverage must remain in effect from May 22, 2013 through August 17, 2013.
  3. 3. The plan must provide inpatient hospitalization benefits in the New York City area, including mental health benefits.
  4. 4. The plan must provide outpatient benefits in the New York City area, including office visits, outpatient mental health benefits, maternity benefits, and laboratory and radiology procedures. (Please note that coverage for emergency-only care does not satisfy the requirement.)
  5. 5. The maximum benefit payable under the insurance plan must be at least $100,000 (US currency) per condition with a deductible not to exceed $250 (US currency) per year. For international students, the insurance plan must also include coverage for medical evacuation of at least $25,000 (US currency) and repatriation of remains of at least $15,000 (US currency) per year.

Travel policies and insurance plans that always require you to pay for treatment yourself and then apply for reimbursement will not be acceptable for waiving out of the Student Health Insurance Plan.

If your private health insurance coverage terminates, you are required to purchase the student health insurance. Please contact the Office of Student Finance at 212-790-0392 to purchase the student plan.

Please note that due to expanding health insurance coverage requirements, we expect the fall student health insurance rates to increase about $200 from last fall.

Instructions for Submitting a Waiver Request:

To request a waiver, visit www.AHPCare.com/Cardozo and review all relevant information and forms.  Domestic students can submit all information and forms online. International students will need to download the relevant form and submit the following to Veronica Arredondo at Academic HealthPlans for review: 

  1. 1. The completed summer 2013 International Student Waiver Form
  2. 2. A copy of your insurance policy, in English, indicating:
  • The dates the insurance coverage begins and terminates
  • Any deductibles, copayments, and other out-of-pocket expenses
  • Your plan benefits, including a list of medical and mental health treatments that are excluded from coverage. (Please note that your plan may not be accepted depending on these exclusions.)
  • Name of the Insurance Company and your policy number

The summer waiver deadline is May 29, 2013. All relevant documentation, and any additional information requested, must be received by that date.  If a student does not submit adequate proof of equivalent coverage by the waiver deadline, the student will be responsible for the premium charged to his/her account. No refund will be given unless a student enters the armed forces and provides proof of active duty.

Receipt of the request for waiver will be acknowledged by return email; this is not notification that the request has been granted. A separate confirmation email will be sent from Academic HealthPlans within approximately one week. Those who are waived will have the health insurance fee removed from their accounts.

If you have questions about the Student Health Insurance Plan, you may contact Academic HealthPlans, Inc. at 855-247-2273 or info@ahpcare.com.