Student Health Insurance

All full-time SUNY Oneonta students are required to have health insurance coverage. The Student Health Insurance Plan is automatically included on your semester's bill if you are a full time student. If you have your own health insurance you have the option of waiving out of the Student Health Insurance Plan by completing the insurance waiver on your student bill. Please consider the following when making your decision:

Your current insurance may not cover the types of expenses most frequently incurred by college age individuals such as outpatient (laboratory and radiology) services and specialist referrals. Local systems include A.O. Fox Hospital, Bassett Healthcare Network/Hospital, and United Health Services. Depending on your current coverage services locally may be limited or may be charged to you at a higher, non-preferred rate. We encourage you to contact your health insurance company to investigate your coverage in the Oneonta area.

The Student Health Insurance is also available for part-time students.

Key Links:

Plan Highlights

Claim Form

ID Card (create an account and print your card)

UHC TeleDoc Flyer

Plan Highlights

Who is eligible?

All registered full-time students are required to carry health insurance. Students who are currently insured under family or private medical insurance may waive the student health insurance plan. Waivers must be processed prior to the deadline of:

Annual waiver deadline: September 29th of the Fall Semester
New students beginning in the following Spring Semester will have a waiver deadline: February 16th.

Annual Semester
August 10th - August 9th $3,258.00

Spring Semester
January 1st - August 9th $1,973.00

Part-time students coverage is also available to all eligible students. Visit our website below for complete details. For more details regarding the SUNY Oneonta Student Health Insurance Program please visit: 866-535-0456

For further details of the coverage including cost, benefits, exclusions, and reductions or limitations and the terms under which the policy may be continued in force, please refer to the Certificate, available at Please see the chart below for a summary of benefits.

What does the plan feature?

The Student Health Insurance Plan offers you:

2022-2023 Summary of Benefits (based upon in-network pricing)
Description In-network Cost
Deductible- Individual $250
Out-of-Pocket Maximum- Individual $8,150
Office Visits- Primary Care & Specialists $30 copayment, then 20% coinsurance
Preventive Care Services Covered in full
Emergency Ambulance Transportation (not SUA) 20% coinsurance
Medical Emergency (Emergency Room) $50 copayment, then 20% coinsurance
Urgent Care Services $30 copayment, then 20% coinsurance
Inpatient/Outpatient Hospital Surgery 20% coinsurance
Anesthesia Services 0% coinsurance
Mental Health Care Services- Inpatient (for a continuous confinement when in a hospital) 20% coinsurance per admission
Mental Health Care Services- Outpatient $20 copayment, then 20% coinsurance
Inpatient Substance Use Services (for a continuous confinement when in a hospital) 20% coinsurance per admission
Outpatient Substance Use Services $20 copayment, then 20% coinsurance
Allergy Testing and Treatment- Performed in PCP & Specialist Office $20 copayment, then 20% coinsurance
Imaging Services 20% coinsurance
Diabetic Equipment and Supplies 20% coinsurance
Laboratory Procedures- Performed in a PCP Office, Specialist Office, & Performed as Outpatient Hospital Services 20% coinsurance
Rehabilitation Services (Physical Therapy, Occupational Therapy or Speech Therapy) $20 copayment, then 20% coinsurance
Chiropractic Services $20 copayment, then 20% coinsurance
Maternity Prenatal Care (Prenatal Care provided in accordance with the comprehensive supported by USPSTF and HRSA) Covered in full
Maternity Care – Inpatient Hospital Services and Birthing Center 20% coinsurance per admission
Maternity Care- Physician and Nurse Midwife Services for Delivery 20% coinsurance per admission
Postnatal Care $20 copayment, then 20% coinsurance
Prescription Drugs (& Insulin) Copayment: $20 generic, $50 brand name, & $80 non-formulary brands

The benefits listed above are a brief summary of the Student Health Insurance Plan design. Additional Schedule of Medical Expense Benefits/Limitations are specified in the full master policy document.

Health Fee

The Health Fee is mandatory. It cannot be removed from your bill

The fee allows access to physical and mental health services

The mandatory fee is $196.50 per semester

Student Health Insurance

This is automatically added to your student bill at beginning of each school year

If you have your own health insurance, you have the option of waving the Student Health Insurance by completing the waiver on your student bill

You will need to complete the insurance waiver annually

If you have an insurance question, please contact the College insurance account manager.

For more details regarding the SUNY Oneonta Student Health Insurance Program please visit:

Plan Highlights and Summary of Benefits

If you have insurance questions, please feel free to contact the College Insurance Account Manager:

Angelica Tomasello

All student information held at the Health Center is strictly confidential and will not be released without written or phone consent by the student and/or as required by law. Students under 18 years of age, must have parental permission to be seen and treated at the Health Center except for emergency situations, emancipated minors, or reproductive health issues.


Health and Wellness Center

Phone: (607) 436-3573

Fax: (607) 436-2074


Monday: 8:00 am - 4:30pm
Tuesday: 8:00 am - 4:30pm
Wednesday: 8:00 am - 4:30pm
Thursday: 8:00 am - 4:30pm
Friday: 8:00 am - 4:30pm


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