Student Coverage
All students enrolled in a degree-seeking program at least half-time must provide proof of insurance to waive Yale Health Hospitalization/Specialty Care Coverage. Waivers must be completed each academic year.
All eligible enrolled students attending Yale at least half-time and working towards a Yale degree, receive many Yale Health services, including primary care*. Students do not have to sign up or pay extra for these services known as Yale Health’s Basic Student Health Services. Your status as an eligible Yale University undergraduate, graduate, or professional student automatically makes you eligible for and enrolls you in Yale Health Basic Student Health Services. If you are eligible for Yale Health Basic Student Health Services, the university requires you to obtain additional coverage for hospitalization and specialty care; unless you waive Hospitalization/Specialty Care coverage you are automatically enrolled in and billed for that coverage as well.
It is important to review all your coverage documents. The documents complement each other and are not intended to stand alone. The Schedule of Benefits and the Summary of Benefits & Coverage do not list all services and treatments and are subject to all the terms, conditions, exclusions, and limitations outlined in the Student Guide (“the plan document”). The plan document governs all questions of interpretation.
*This does not apply to EMBA, EMPH, MSN Nursing Online, and PA Online students.
Our Student Health Care Navigator, Camilla Luker, is here to provide support to students navigating their Yale Health benefits and healthcare.
Coverage Documents
A list that describes covered services and treatments, as well as patient cost-sharing amounts like copays, fees for no show/late cancellation, deductibles, and coinsurance percentages, under your Yale Health plan.
Look here first when you have questions about what services are covered by your Yale Health plan, and what/if any amount you will have to pay for those services.
A comprehensive booklet that explains in detail the benefits and coverage provided under your Yale Health student coverage.
The booklet describes your rights and obligations and those of Yale Health, what the plan covers, and how benefits are paid for that coverage. Students covered under this plan and their covered dependents are subject to all the conditions and provisions of the plan.
The Student Guide is the plan document. It includes the Schedule of Benefits and any amendments or riders and governs all questions of interpretation.
A list of medical services and treatments designed to help you understand the coverage you have with Yale Health. It also allows you to more easily compare Yale Health with different coverage options available to you.
A list of key features of Yale Health coverage, such as the covered benefits, cost-sharing provisions, and coverage limitations and exceptions.
Under the Affordable Care Act, Yale Health is required to provide you with this concise list which details, in plain language, simple and consistent information about Yale Health plan benefits and coverage.
A glossary of common health coverage and medical terms from The U.S. Center for Consumer Information & Insurance Oversight. It defines many commonly used terms, but isn’t a full list. These glossary terms and definitions are intended to be educational and may be different from the terms and definitions in your plan or health insurance policy. Some of these terms also might not have exactly the same meaning when used in your policy or plan, and in any case, the policy or plan governs.
The machine-readable file (MRF) is a document that publicly discloses pricing information and whose content can be readily processed by computers. The MRF does not contain any personal member health information or benefit details.