Health Insurance Resources
Healthcare Plans to know
NYC Care
If you do not qualify for or can not afford health insurance, NYC Care may be right for you. NYC Care provides access to high quality healthcare at low or no cost, and regardless of immigration status.
Medicaid
Nearly 48% of all CUNY students get their health insurance through Medicaid. This state run program offers a wide range of services at affordable prices to New Yorkers who are low-income.
The essential plan
The Essential plan offers comprehensive services with $0 premiums and no deductibles. This plan is open to all New York residents who qualify based on income requirements.
know before you enroll
Created for students by students
This guide covers everything from how to pick a plan to utilizing the insurance that you do have. Whether you need help getting insured or feel confused by your bill, this guide has the answers for you.
Health Insurance Key Terms
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The fixed monthly cost you pay for health insurance.
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A level of spending you have to reach before your insurance plan starts to pay for covered services. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself. After this, your health insurance will help share costs based on your coinsurance.
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The percentage of costs your insurance company will pay for services once you have reached your deductible.
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A copay is a set amount you pay each time you use specific medical service. For example, when you visit your primary care doctor you might be charged a copay of $30.
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All of the health care services and supplies that your plan will help to pay for.
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Your plan contracts with certain facilities, doctors and other providers to provide members with services. Those providers are called in-network and it usually costs less to see them. All other providers are out-of network and it usually costs more to see them.
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The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance for in-network care and services, your health plan pays 100% of the costs of covered benefits. However, you will still be responsible for paying your premium even after reaching this level.
The Basics of Health Insurance: A Student Guide for Enrolling and Understanding Health Insurance