Currently, in Fall 2013, there are 1688 NJCU students covered by the
student health insurance plan. If you are one of those students, you
might be wondering if the Affordable Care Act will have any effect on
the insurance coverage that your currently have during this 2013/2014
policy period, which ends on August 1st, 2014.
The good news is that the Affordable Care Act will not affect your
current student insurance policy for 2013/2014. You do not have to do
anything during the open enrollment period that is now in effect (since
October 1st, 2013).
The additional good news is that the student health insurance policy
at NJCU is already compliant with the new requirements of the Affordable
Care Act. The current policy meets or exceeds all standards of coverage
required, and has kept pace with all the phased in standards since
2011. The Affordable Care Act has required that insurance companies
provide a certain standard of coverage for all insured persons. Improved
coverage is why your insurance policy costs more this year.
Besides health coverage being required by the Affordable Care Act,
students need to understand that despite coming from a traditionally
healthy demographic, college age students are not the “young
invincibles” that they might think they are. Student illness, whether
short term or chronic ,can strike at any age as well as accidental
injury. Lack of adequate insurance coverage should never be a barrier
for students to obtain the necessary health care they need to stay in
school. Being able to access care through insurance will help in
preventing students from having to interrupt their studies due to
illness, and also will help avoid incurring overwhelming debt to pay for
unforeseen health care expenses.
If you have the student health insurance coverage, please make sure
that you know and understand the benefits. To read more about the policy
go to http://www.firststudent.com/schools/NewJerseyCityUniversity.htm.
Specific coverage questions cannot be answered by employees at NJCU, as
we do not work for your insurance company. Please visit the insurance
Customer Service Center at http://www.firststudent.com/schools/NewJerseyCityUniversity/customer_services.htm . On that page you will see information on how to contact an insurance representative on the phone, or by email.
Please remember that the FREE services of the NJCU Health &
Wellness Center (Vodra 107) are available to all currently registered
NJCU students regardless of insurance. We do not charge for our