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 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.

Health Insurance for International Students

Medical care in the United States is more expensive than in any other country in the world, and the United States government does not pay any part of the medical expenses for international students studying here.  Therefore, international students are required to purchase their own health insurance to cover them in case of injury or illness.

When choosing a plan, please review the plans carefully to make sure you are selecting a plan that meets your needs.  Health and accident insurance does not cover all medical expenses. The deductible, which is the amount you have to pay before the insurance company pays anything, should be as low as possible. Carefully note what the policy 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. If you purchase a policy in your home country, please make sure that the policy pays for benefits in the United States.

Many plans do not cover athletic injuries, therefore, it is very important that student athletes purchase a plan that covers intercollegiate sports injuries.  You will not be able to practice, play, or participate in the athletic program unless you have health insurance. 

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. Listed below, are several insurance companies that students have used in the past, however, you are free to select any insurance company you choose.  The college is not recommending or endorsing any particular company.

 

Athletes:

Student Health Advantage          Two levels of coverage available
https://www.internationalstudentinsurance.com/schools/medaille-college.php

Gallagher Student Health           Must purchase Sports Plus plan only
www.gallagherstudent.com/iss

PGH Global                                 Must purchase Global Care Plus Sports plan only

www.pghstudent.com

 

Non-Athletes:

Student Health Advantage
https://www.internationalstudentinsurance.com/schools/medaille-college.php              

Gallagher Student Health
www.gallagherstudent.com/iss

PGH Global
www.pghstudent.com

 


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