General Information

All students are automatically enrolled in and charged for the Student Health Insurance Plan each year. If you have another insurance plan and would like to waive the Touro College of Pharmacy (Touro COP) - Sponsored Student Health Insurance Plan, a waiver request must be submitted. Please see Waiver Process.

Description of Student Health Insurance Program

The Touro Group/Touro COP Sponsored Health Insurance Plan is a Preferred Provider Plan (PPO) that has been designed specifically for Touro COP students and is underwritten by Aetna Student Health (ASH). With an emphasis on wellness, the plan is designed to provide full coverage for medical care including annual routine physicals and immunizations.  The Touro Group/Touro COP student health insurance plan offers both in-network and out-of-network benefits, it is an ACA compliant Platinum level plan. 

Health Insurance Plan - Aetna Student Health Summary of Benefits and Costs 2020-2021 (policy plan year July 1st - June 30th)

All students will be charged for student only coverage in the Touro COP Sponsored Student Health Insurance Plan prior to the start of each academic year. The charge to the student's account will be removed if an approved waiver is granted.

Plan Rates 2020-2021

Annual (7/1/20-6/30/21) 1st Year Students (8/17/20-6/30/21)
Student Only $5,095.00 $4,439.28

The pemium charge for incoming students will be prorated based on the students date of orienation.

Touro COM 2020-21 Aetna Student Health Medical Plan Summary

The Touro COP health plan is a PPO plan which allows for benefits when utilizing either in network or out of network providers.

To maximize your benefits you may refer to the following link to locate in network participating professional or facility providers. www.AetnaStudentHealth.com.

Health Insurance Plan - United Healthcare Student Resources Summary of Benefits and Costs 2019-2020 (policy plan year July 1st - June 30th)

All students will be charged for student only coverage in the Touro COP Sponsored Student Health Insurance Plan prior to the start of each academic year. The charge to the student's account will be removed if an approved waiver is granted.

Plan Rates 2019-2020 Annual (7/1/19-6/30/20) Incoming Students (8/19/19-6/30/20)
Student Only $4,678.00 $4,052.00

The pemium charge for incoming students will be prorated based on the students date of orienation.

For a detailed summary of benefits please click on the following attachments.

Touro COP 2019-20 United Healthcare Student Resources Health Medical Plan Summary

The Touro COP health plan is a PPO plan which allows for benefits when utilizing either in network or out of network providers.

To maximize your benefits you may refer to the following link to locate in network participating professional or facility providers. www.uhcsr.com.

Waiver Process

Maintaining health insurance coverage is mandatory for all Touro COP students and all students MUST be covered by an ACA compliant domestic health insurance plan. All students are required to enroll in the Touro COP - Sponsored Student Health Insurance Plan unless an acceptable Waiver is provided in a timely manner. Acceptable coverage to waive the Touro COP - Sponsored Student Health Insurance Plan must have comprehensive coverage throughout the United States.  Your plan must have a provider network for primary care, specialty, hospital and diagnostics care in New York or in states where students are designated for rotations.  HMO plans only qualify for the state in which you are residing.

  *   Parent's Employer Group plan

  *   Spouse's Employer Group plan

  *   Student's Employer Group Plan

  *   COBRA

  *   Military/Veterans Benefits - Tricare

  *   New York Medicaid (1st and 2nd year students) - Student must be a permanent resident in New York for the entire academic year

  *   New York Medicaid (3rd year students) - Student must be a permanent resident and completing all rotations in the state providing Medicaid coverage

  *   Medicare

  *   Travel Insurance – International students – Coverage must be ACA compliant

 

Individual health plans are acceptable with a minimum of the following benefits:

  *   Maximum Out of Pocket Expense of no more than $7,350

  *   Deductible Maximum of $3,500 per Individual

  *   Unlimited Lifetime Benefits

  *   Unlimited Office Visits

  *   Wellness Benefit

  *   Comprehensive Prescription Plan (cannot be restricted to generic only)

  *   Inpatient and outpatient Mental Health Benefits

If you have active domestic health insurance with benefits which meet the criteria above you may apply for waiver of enrollment in the Touro COP student health plan. You will need to have your current insurance ID card and information regarding your plan benefits to complete the process. Once you have submitted the required information you will receive an email verifying if your waiver meets the Touro COP requirements.

Full-Time Students on Clinical Rotations/Experiences

In addition to the requirements above, students attending clinical rotations/experiences  are required to have comprehensive health insurance coverage as stipulated by Touro COP’s rotation site affiliation agreements. Students completing any clinical rotations/experiences during an academic year are not eligible to waive with any state Medicaid coverage, as Medicaid, is state based and does not provide comprehensive coverage when you are rotating out of state. Your insurance coverage must also have national provider coverage, which includes the states in which you may rotate.

Exceptions allowing waiver based on Medicaid coverage for 4th year students will be considered on a case by case basis.  For an exception to be considered the student must meet the following:

  • The majority of clinical rotations must occur in the state in which the student has been approved for Medicaid
  • Proof that purchasing the Touro insurance plan creates an undue financial hardship
  • Signature on a waiver agreement releasing Touro University from any responsibility for any medical care or bills, not covered by Medicaid.

Waivers will be accepted through the following dates for the 2020-2021 Policy Year

  *   Continuing Students through July 31, 2020

  *   Incoming 2020-2021 Students through September 11, 2020

Please be aware that waivers will not be accepted after the posted deadline and the health insurance charge will not be removed from your account until the waiver request is completed and approved.  Students who do not submit a waiver request by the deadline will be automatically enrolled in and charged for the Touro COP student health plan for the entire 2020-21 academic year.  Once enrolled there are no midyear terminations with a refund.

Waive Touro COP Plan:  To submit your waiver request please click the "Waive" tab at the top of this webpage.  If you are having difficulties please contact HSAC at 888-978-8355 or tourocop@hsac.com for assistance.

Enrollment Process

All students are required to enroll in the Touro COP - Sponsored Student Health Insurance Plan unless a waiver is submitted and approved. Enrollment and the insurance charge can be waived if proof of other health insurance is provided by submitting an online waiver.

  • To expedite enrollment in the Touro COP Sponsored Student Health Plan follow the "Enroll" tab at the top of the page. If you are having difficulties please contact HSAC at 888-978-8355 or tourocop@hsac.com for assistance.
  • Enrollment in the Touro COP student health plan is automatic unless a waiver request is submitted. 
  • Enrollment in the Touro COP student health plan is annual.  Once enrolled coverage continues through the end of the policy year (June 30th)
  • Students who lose coverage midterm are required to submit and enrollment request within 30 days of the date of loss of prior coverage for enrollment in the Touro COP sponsored Student Health Insurance Plan and submit proof of loss of prior coverage to HSAC.

Dependent Eligibility

  • Touro COP does not offer dependent coverage with the Touro COP- Sponsored Student Health Insurance Plan.
  • To review ACA compliant individually purchased plans from the Marketplace please refer to the website below

Continuation of Coverage

  • Students enrolled for coverage in the Touro COP - Sponsored Student Health Insurance Plan have the option to continue enrollment for 3 months after graduation.
  • The continuation of coverage will be at the same benefit level as active students.

For Continuation of Coverage please contact HSAC for assistance at tourocop@hsac.com or (888) 978-8355 and identify yourself as an Touro COP graduate.

Questions and Contact Information

The Servicing Administrator for the Touro COP - Sponsored Student Health Insurance Plan is HSA Consulting, Inc. (HSAC).

  • For questions related to waiver requests, eligibility, enrollment, benefits or claims please contact: HSAC at (888) 978-8355, and identify yourself as an Touro COP student.
  • For specific questions related to waiver denials please contact HSAC at (888) 978-8355 or tourocop@hsac.com

Life and Disability - The AMA Med Plus Advantage Plan
(policy plan year July 1, 2020 - June 30, 2021)

The Touro College of Pharmacy (Touro COP) sponsored student group life, AD&D and disability insurance policy (TBD) was developed by Health Sciences Assurance Consulting, Inc. (HSAC) in collaboration with the office of student affairs. The insurance plan was developed to meet unique needs faced by pharmacy students and is periodically updated based upon input from students and advisors. Working exclusively within the academic Health Sciences community; HSAC has provided informative insurance seminars for students, residents and practitioners to assist them in better understanding and managing their insurance programs. HSAC works only with companies rated A or better by A.M. Best, a leading authority on rating insurance companies.

The Touro COP sponsored group life, AD&D and disability plan is underwritten by The Standard Insurance Company, rated A+ (strong) by A.M. Best. The rating of The Standard Insurance Company reflects the company’s conservative operating strategy, its superior capitalization, high quality investment portfolio and excellent liquidity position.

Students suffering a disabling injury or illness should submit notice of their disability to The Standard within 30 days of their disability. Disability claim forms are available from the School of Pharmacy Office of Student Affairs.

Life and AD&D Insurance Plan Benefit Certificate

Disability Income Insurance Plan Benefit Certificate

 

Term Life Benefit

$50,000

AD&D Benefit

$50,000

Duration of Benefit

Social Security Normal Retirement Age

Monthly Benefit

$1,500

Elimination Period

90 days

Definition of Disability

For the first 60 months, unable to perform the duties of a student, after 60 months any occupation by way of education training or experience

Offset with Partial Earnings

Offset with earnings over $3,000.  Plan allows $3,000 of work earnings without reduction penalty before any reduction is applied.

Minimum Benefit

$100

Pre-x Waiting Period

3/12 pre-x

Mental and Nervous Limitation

Limits claims payments for mental and nervous claims to 24 Months per Occurance

Loan Payoff Benefit $225,000 maximum.  Requires meeting the definition of Permanent and Total Disability (for 12 months, have been unable to actively participate in school and unable to perform material duties of any gainful occupation).

Lump Sum Benefit

$175,000

COLA Benefit

4.5% Compounded after 12 months not to exceed $2,000 COLA max

Continuation of Coverage after graduation:

Students: $1,500 of Guaranteed Issue Individual Non-can Own-occ upon graduation

 

What is not covered: The Standard does not cover any period of disability caused, directly or indirectly, by: (a) declared or undeclared war or act of war or armed aggression; (b) your service in the armed forces, National Guard, or military reserves of any state or country; (c) your taking part in a riot or other civil disorder; (d) your commission of, or attempt to commit, a felony; (e) your unlawful use or threat of force on another person without his or her consent; (f) intentional self-injury or attempted suicide while sane or insane; (g) job related or on-the-job injury; or (h) conditions for which benefits are payable by Workers’ Compensation or life laws.

The Standard does not pay benefits for any period during which you are confined to any facility as a result of your conviction of a crime or public offense.

The Standard does not pay benefits for any period during which you are not under the regular care and treatment of a doctor.

The Standard does not pay benefits for any period of disability which starts before you are insured by this plan. In addition, no benefit will be payable for any period during which your loss of status as a regular full-time student is not due to your disability.

CONTINUATION OF COVERAGE AFTER GRADUATION

This plan includes an important conversion privilege to convert your disability coverage into an individual non-cancellable own-occupation disability plan (once converted your policy can never be cancelled or your rates increased). The conversion privilege is guarantee issue for all students with no medical underwriting.

For questions regarding your disability insurance plan or to learn more about continuing coverage after graduation please call:

Health Sciences Assurance Consulting, Inc. (HSAC. Inc.) at 1-888-978-8355 or email shawn@hsac.com.

Please note that the benefit summary is intended to provide only an overview of the important benefit features of the disability plan. The Certificate of Insurance shall be the final determinant of actual coverage and claims administration.