Domestic Student Health Insurance Plan (SHIP)
The Student Health Insurance Plan (SHIP) has been developed especially for Stony Brook students (and their dependents) to provide access to comprehensive care that complements the quality health services on campus.
The details of the plan are reviewed and recommended each year by committee members to ensure that the coverage is well-suited to the needs of the Stony Brook students and respectful of their budgets. SHIP is administered by UnitedHealthcare. The Plans meet all of the student health insurance standards developed by the American College Health Association.
What's on This Page:
- Coverage Overview and Rates
- Currently Enrolled Members
- Waivers
- Frequently Asked Questions
- Contact Us
Coverage Overview and Rates
Eligibility
All full-time, matriculated domestic Stony Brook students are automatically enrolled in the student health insurance plan. Students have the option to waive the student health insurance plan if they have comparable coverage that meets the required standards of the University.
Part-time students can enroll in the student health insurance plan anytime during the semester; there is no credit requirement.
Coverage Highlights
- COVID-19 Vaccine - 100% covered
- Tele-health and tele-counseling: UnitedHealthcare Student Resources and HealthiestYou have partnered together to provide access to doctors and mental healthcare from anywhere you are, even while traveling internationally. All services are free for students covered under the UHCSR insurance plan; services are available for all other students for a fee. For more information, visit the Teledoc Health website.
- Provides continuous coverage at a reasonable cost for most on or off-campus medical care over Fall/Winter and Spring/Summer Semesters.
- Covers pre-existing medical conditions, preventative and wellness care, emergency care, mental health and pharmacy
- Annual deductible is $500 for individual in-network care
- Annual out-of-pocket limit $6,850, which includes deductibles, copays and coinsurance
- Covers inpatient and outpatient mental health care. $20 copay for in-network providers. $20 plus 30% coinsurance for out-of-network providers.
- Rx copayment: $30 Tier 1 / $50 Tier 2 / $75 Tier 3
- No deductible applied to prescription drug coverage.
- $15 copayment on laboratory procedures performed in a PCP office, a specialist office, and Performed as Outpatient Hospital Services
- Office Visits - Primary Care $50 at a participating provider (not subject to plan deductible)
- Emergency Room vs. Urgent Care: Only Emergency Services for the treatment of an Emergency Condition are covered in an ER.
- Emergency Room: $100 copay after policy year deductible, then you pay 20% coinsurance (copayment/coinsurance waived if hospital admission).
- Urgent Care: $35 copay after policy year deductible, then you pay 0% for cost-sharing.
Coverage Rates
| 2025 - 2026 | Annual | Fall | Spring/Summer | Monthly | Summer 2026 Rate |
| Student | $5,701.00 | $2,389.74 | $3,311.26 | $475.09 | $1,463.96 |
| Spouse/Domestic Partner | $5,701.00 | $2,389.74 | $3,311.26 | $475.09 | $1,463.96 |
| One Dependent | $5,701.00 | $2,389.74 | $3,311.26 | $475.09 | $1,463.96 |
| Two or More Dependents | $11,402.00 | $4,779.48 | $6,622.52 | $950.18 | $2,873.92 |
| Spouse and Two or More Children | $17,103.00 | $7,169.22 | $9,933.78 | $1,425.27 | $4,310.88 |
Coverage Periods
| Coverage Period | Coverage Start Date | Coverage End Date | Enrollment/Waiver Deadline |
| Annual | August 16 | August 15 | August 24 |
| Fall | August 16 | January 15 | August 24 |
| Spring/Summer | January 16 | August 15 | January 25 |
| Summer | May 16 | August 15 | N/A |
Enrollment
- 2025-2026 Enrollment for Students
- 2025-2026 Enrollment for Dependents*
*Domestic students are able to enroll their dependents in the Student Health Insurance at an additional cost (see Rates and Coverage). This charge would be posted to your SOLAR account. You must first provide appropriate documentation. (A marriage license for a spouse, or birth certificate for a child.)
Please email studenthealthinsurance@stonybrook.edu, a copy of the required documents along with a copy of the completed dependent enrollment form.
Payment
The fee is billed to your student account in SOLAR. Just like all other tuition and fees, this charge is payable by cash, check, money order, credit card or through financial aid. Payments are made to the Bursar in the Administration Building or through SOLAR.
Currently Enrolled Members
When you sign up for health insurance, you will receive a member identification (ID)
card for you and your covered family members. Your member ID card (or health plan
ID card) is proof that you have health insurance. For additional information about
your ID card, visit the UnitedHealthcare website.
Once you are enrolled, your insurance ID card will be emailed to your Stony Brook
email address and will come from Notifications@UHCSR.com (United Healthcare Student Resources).
If you cannot print your card, please contact the Student Health Insurance Office via phone at (631) 632-6054, or via email at studenthealthinsurance@stonybrook.edu
You should always seek treatment at the west campus Student Health Service (SHS) for an assessment and possible treatment of your medical problem.
In the event you need to go off campus for medical care, you may use any practitioner you wish. However, medical providers who are part of United Healthcare preferred provider organization (PPO) will provide discounts for their medical services and your bill will be covered up to the limits of the insurance plan. Usually, you will not need to complete a claim form with these doctors. If you do not use United Healthcare providers, you may find that your provider has charged higher fees, and you may have a balance to pay after the insurance company pays its portion. For a listing of medical providers in the United Healthcare PPO network, go to uhcsr.com
To check claims status, ask benefit questions, locate a provider, or to inquire about specific drug coverage under this policy: 1-800-767-0700 or customerservice@uhcsr.com
Claim forms are used if you see a medical provider who is not in the United Healthcare network. In addition, when you purchase medicines from an outside pharmacy, you must always pay for the medicines in full, and then send a claim form with the paid receipt to United Healthcare for reimbursement. To submit a claim online, visit the United Healthcare Member Forms webpage.
To check claims status, call 1-800-767-0700 or email customerservice@uhcsr.com
Waivers
If you have your own insurance coverage and would like to request a waiver, please make sure your coverage meets the following requirements:
- Your alternate coverage will be active for the entire academic year (or through the completion of your academic program).
- Your alternate health plan must cover inpatient and outpatient medical care, prescription coverage and mental health care coverage within 75 miles of Stony Brook University, including routine, urgent and emergency care (emergency-only coverage does not satisfy this requirement).
- Your alternate health plan must be provided by an insurance company based in the United States and that is compliant with the Patient Protection and Affordable Care Act (short-term, limited-duration plans do not satisfy this requirement).
- If you are waiving this plan with a Medicaid Insurance Card, in order for your waiver to be accepted, it must be a Medicaid Plan that was established in NY State and must provide active, in-network coverage. Out-of-state Medicaid Plans will not be accepted.
- Fall Semester - August 24
- Spring Semester - January 25
If you do not complete a waiver by the deadlines listed above you will be billed for the University student health insurance, and will no longer be able to waive it for the semester.
To file a waiver, the student must go to the SOLAR main page. Follow these steps to complete a waiver:
- Click on "Campus Financial Services."
- Click "Required Insurance/Waiver."
- Click “I will enroll as Full Time Student for the semester” AND “I have my own health insurance or have the SBU health insurance for TA/GA/RA and will request waiver.”
- Fill in the SHIP (Student Health Insurance Waiver Request) IN FULL and click “Submit my Health Insurance Waiver Request.”
- Print the completed form for your records.
If our broker is unable to verify your insurance information, you will receive an email from student@haylor.com requesting additional information. The ASA student services office will also email you to let you know your current waiver was denied.
Students living at home and taking all of their classes online should email studenthealthinsurance@stonybrook.edu to appeal and include their Stony Brook ID number and class schedule showing that they are only enrolled in online courses.
A student health insurance waiver is denied when an active qualifying health insurance plan can not be validated.
If a waiver is not granted and a student wishes to appeal the decision, they may do so by contacting:
ASA Student Insurance Office
(631) 632-6054
studenthealthinsurance@stonybrook.edu
The student will be instructed on how to proceed with the appeals process.
Payment of the SUNY Stony Brook Student Health and Counseling Center Fee—Required
The fee covers comprehensive health services for both medical and mental health problems,
for students and visiting scholars. It is not a substitute for health insurance. The
Student Health Service building is the only location on campus where the mandatory
health fee can be used. Medical Services that are beyond the scope of the Student
Health Service can be obtained either at University Hospital Medical Center or through
other medical providers in the community. However, the Student Health and Counseling
Center fee will not cover the cost of any medical services outside the Student Health
Service Building. Call (631) 632-6740 for further information.
Frequently Asked Questions
All full-time students, medical and dental students, as well as some part-time students who are enrolled in classes that require health insurance coverage.
The Spring semester insurance charge is for 7 months of coverage while the Fall coverage is for 5 months.
If you have lost your personal coverage, and can provide a “Notice of Termination Letter”.
This letter would come from your insurance provider, letting you know when your current coverage with them will end.
The enrollment process usually takes about a week.
Our student health insurance does not include vision. Dental coverage is included up to the age of 18.
No, our policy does not allow for early termination.
With graduation approaching, now is the time to start thinking about your health insurance coverage. As a young adult, you have choices: stay on your parents’ health plan, buy your own plan, or get coverage through a new job.
If you decide to get your own insurance, you’ll find lots of choices at NY State of Health. There are many plans at different coverage levels, and all plans cover health services such as yearly check-ups, flu shots, emergency services, and prescription drugs. You may be surprised how affordable getting coverage can be. Some plans will cost less than your monthly cell phone bill, and for some people, depending on income, coverage will be free.
Even if Open Enrollment for the year has ended, you may still be able to enroll in coverage this year if you qualify for free coverage or if you enroll within 60 days of a Qualifying Life Event. Qualifying Life Events include no longer being eligible to stay on your parents’ health insurance, loss of other health insurance, a permanent move to another part of New York State, getting married, or having a child.
Links
Have additional questions, or are you ready to enroll?
We have lots of trained experts who will guide you step by step in selecting and signing up for a plan that’s right for you. To find an assistor in your community, visit the NY State of Health website or call us at 1-855-355-5777, TTY: 1-800-662-1220.
Watch a short video about Health Insurance – It’s What Adults Do
Contact Us
For questions about benefits, coverage, waiver status, claims or exclusions contact:
UnitedHealthcare Customer Service
Phone: 1-800-767-0700
Email: customerservice@uhcsr.com
Website: myaccount.uhcsr.com/login
For questions about insurance charges on your student account contact:
ASA Student Insurance Office
Phone: (631) 632-6054
Email: studenthealthinsurance@stonybrook.edu