Bursar's Office

STUDENT INSURANCE

TUITION REFUND INSURANCE

Union College has partnered with GradGuard to make available tuition refund insurance coverage. For more information please visit GradGuard

STUDENT HEALTH INSURANCE

Union College requires that all students have health and accident insurance that has full annual coverage while in Schenectady. All students are billed for the health insurance with the Fall bill and this fee will remain on the student account unless the student waives the coverage and provides proof of active insurance.

Domestic Student Health Insurance

2021-22 Student Portal Information (Available mid July)

Domestic students must actively ENROLL IN or WAIVE the Student Health Plan by September 15, 2021.

(Please note an insurance waiver is only good for one year and students need to waive student health insurance annually)

Coverage is effective August 1, 2021 through July 31, 2022 with an annual cost of $1959. ($1883 annual rate/$76 administrative fee). The health insurance coverage is with United Health Care.

To Enroll or Waive insurance, students should log into the Haylor, Freyer, & Coon website. (2021-22 Portal Available mid July)

INSTRUCTIONS FOR UNITED HEALTHCARE STUDENT PORTAL

For questions on Domestic Insurance coverage please contact Haylor, Freyer, & Coon.

Waive or Enroll

TO WAIVE INSURANCE:

Domestic students may waive the Union College insurance fee but before they do, please note that some insurance plans are restrictive and may leave students either under-insured or essentially uninsured while away at school. This could result in you and/or your family incurring substantial out-of-pocket costs for medical care. In evaluating your plan, you must verify that you will be fully covered while in Schenectady.

Please compare your current health insurance plan with the plan offered by Union College. In reviewing your current insurance plan, please make sure you are adequately covered in Schenectady and that your plan covers the entire year. While out of network care will satisfy Union's waiver requirement, it is not recommended for best in care service. Out of network care (with most insurance policies) will result in higher out of pocket costs, deductibles copays and coinsurance as well as potentially delay treatment while waiting for insurance approvals. To compare your plan to Union's, please visit the Haylor, Freyer, & Coon website.

In order for the insurance fee to be removed from your student account, you will be asked to provide verification of coverage by uploading your active insurance card to the Haylor, Freyer, & Coon website. Once coverage is verified, your account will credited and the credit will be reflected on your billing statement. Please allow three business days for the credit to appear.

For details on the Union College insurance plan or to waive the insurance, please visit the Haylor, Freyer, & Coon website. (2021-22 Portal Available in Mid July)

INSTRUCTIONS FOR UNITED HEALTHCARE STUDENT PORTAL

Coverage is effective August 1-July 31, 2021 for domestic students.

If a student withdrawals from the college but has paid for the annual insurance, the coverage remains in affect until the end of the insurance period.

TO ACTIVELY ENROLL:

Even though the student account has been billed for the Union College insurance plan, you must actively enroll in the coverage if you decide to keep it. Once you provide your personal information to Hayler, Freyer, & Coon your enrollment will to be activated.

To actively enroll in the Union College insurance plan, please visit the Haylor, Freyer, & Coon website. (2021-22 Portal Available in Mid July)

INSTRUCTIONS FOR UNITED HEALTHCARE STUDENT PORTAL

Please note: Enrollment or Waiving of the student health insurance is required annually.

International Student Health Insurance

International students are automatically enrolled in and billed for the annual insurance plan. This coverage is mandatory and can only be waived by petition thru International Advising. Coverage is effective July 1, 2021 through June 30, 2022 with an annual cost of $1,959. ($1,883 annual rate/$76 administrative fee). The health insurance coverage is with United Health Care.

For more information on International Insurance coverage, please contact International Advising at (518) 388-8003