TCDM Student Insurance Plan Details

Explore the insurance plans available to you through TCDM

TCDM Student Health Insurance

Insurance Coverage Information

Aetna Student Health PPO Plan

The student health insurance plan is offered through Aetna Student Health (ASH) and administered by HSAC/OneDigital.

The TCDM Student Health Insurance Plan is pending state approval and is subject to change. The Summary of Benefits will be available once the plan is approved.

Deductible	$500.00 In-Network
Co-Insurance	20% In-Network
Out of Pocket Max (Individual)	$6,350.00 In-Network
Office Visit	$30 Copayment, 20% Co-Insurance (not subject to deductible)
Emergency Room Visit	$150 Copayment, 20% Co-Insurance In-Network and Out-of-Network
Prescription Drugs	$15/$50/$75

Student Health Insurance Plan Premiums 2026-2027

The student health insurance plan is an academic year plan; however, the premium is split into three payments. For information regarding payment assessments, please contact the TCDM Bursar's office. Students who enroll in the student health insurance plan at the start of the academic year will be eligible to waive for the Spring Term. You will receive notice when the Spring Open Enrollment/Waiver Period begins.

Cohort	Coverage Start	Coverage End	Premium	Summer Premium	Fall Premium	Spring Premium
Continuing Students	07/01/2026	06/30/2027	$7,816.00	$1,328.00	$2,612.00	$3,876.00
Incoming DDS Students	07/01/2026	06/30/2027	$7,816.00	$1,328.00	$2,612.00	$3,876.00
Incoming CEA Students	07/06/2026	06/30/2027	$7,708.00	$1,220.00	$2,612.00	$3,876.00

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Frequently Asked Questions

About the student health care plan

How do I obtain my ID Card?

ID cards are usually available 5-7 business days after you receive your enrollment confirmation email from HSAC.

Go to Get your ID card | Aetna Student Health
Enter "Touro College of Dental Medicine" in the "Find your school" field.
On the next page, enter the requested information to access a copy of your ID card and Aetna will email you a digital copy of the ID card to your requested email address.

Please note that you will enter your university email address to access the ID card, but you can still email the digital copy to a different email address, if needed.

How do I set up my account at Aetna Student Health?

To set up your account:

Go to www.aetnastudenthealth.com
On the top right of the website, click on the link for "Member Log-In."
Click on the "Create an Account" button at the top of the page and enter the requested information on the next page to complete your registration. You will be redirected to your member website.

How do I find a Preferred Provider or Participating Pharmacy?

To find a preferred provider:

Go to Provider Search - Home | Aetna
Enter your zip code in the location field to search as a guest, or log in to search as a member (Click on "Login to Secure Site" if you have already set up your account or select "Register Now" to create your account)
For Medical: Choose "Open Choice PPO" under Student Medical Plans
For Dental: Choose "Aetna PPO Dental" under Dental Plans
For Vision: Choose "Aetna Vision℠ Preferred" under Vision Plans
You will then be able to search for Providers by name, facility, specialty, procedure, etc.

To find a participating pharmacy:

Go to Find a pharmacy | Aetna Student Health and select the "Find a Pharmacy" option from this page
For the most accurate results, you may log in to search for pharmacies. You may still search as a guest for a Pharmacy by type (specialty, mail order, etc), name, and location.
For a retail pharmacy: please select "Aetna National Pharmacy Network"
For a specialty pharmacy: please select "Aetna Specialty Pharmacy Network"
For mail orders: you will be redirected to log in to your Aetna account for ordering prescriptions

See More FAQs

All full-time students are required to either enroll or waive

Maintaining comprehensive health insurance coverage is mandatory for all full-time TCDM students. All students MUST be covered by an ACA compliant domestic health insurance plan for the entire academic year, including summer and holidays.

Part-time students are exempt, but may enroll if they choose

Part-time TCDM students, those enrolled in programs where the entire curriculum is delivered online, and students only enrolled in thesis/dissertation continuous registration courses are exempt from TCDM's comprehensive health insurance requirement.

You will be automatically enrolled if you do not waive coverage

If an acceptable waiver is not received by the posted waiver deadline, TCDM will finalize your enrollment in the student health insurance plan, you will no longer be eligible for a refund of the Fall premium, and your student account will automatically be assessed the applicable Spring premium during registration for the Spring term.

If you are currently waived from the TCDM student plan, you do not need to resubmit your waiver.

If we cannot verify the coverage we have on file for you, you will be contacted via email from HSAC/OneDigital, the TCDM Student Insurance Plan Administrator.

Enrolling in the TCDM Student health plan

If you wish to enroll in the student health insurance plan for the academic year, you must submit your enrollment via the 'Enroll' button at the top of this page.

I am 25 and on a parent's health insurance plan. I will turn 26 during this academic year. Can I still waive out of the plan for part of the year?

Students who are currently covered under the health plan of a parent but who will age out of their coverage after the waiver deadline period may use their current coverage to waive out of the student health insurance plan. Approximately 30-45 days before the student's 26th birthday, our insurance verifier, HSAC/OneDigital, will reach out to students in this situation to determine if they wish to enroll in the student health insurance plan (at a prorated rate) or submit proof of coverage from another health insurance provider. If a student wishes to waive with coverage from another carrier, the coverage must meet all requirements set forth by TCDM and must be submitted to HSAC/OneDigital for verification within 30 days of termination of existing coverage. New coverage must be effective within 24 hours of your previous health insurance coverage.

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