Albany College of Pharmacy and Health Sciences strives to provide the best possible experience for each of our students. We recognize that a healthy and active lifestyle plays an important role helping a student reach his or her potential.
Quality health services and insurance coverage protect students from the hardships that may be caused by delays in care or incurred medical expenses.
Please take a moment to learn more about the services provided by the Student Health Center and review the College's policy regarding student insurance coverage.
The SHC is run by Albany Medical Center (AMC) staff and offers easy access to our students, the ability of its staff to make referrals to other AMC specialists, and is located in the same building as some auxiliary services (e.g., x-rays), thereby limiting the need for students to travel to other locations.
The SHC is open and available to students Monday through Friday from 8:30 a.m. through 4:30 p.m. Practitioners are also available by phone 24 hours a day at (518) 264-0900. Students must call to make an appointment to be seen.
Students insured through the College's CDPHP insurance will be charged a $25 co-pay to be seen by a doctor, with any other services rendered being billed at their specific costs to CDPHP. Students insured through other providers will have their insurance provider billed for an office visit, consistent with the benefit plan provided.
Students will not be required to pay for services at the time they are rendered. SHC will file the necessary claims with insurance providers. Students will be responsible for payments of any balances due after the insurance provider’s payment.
Students are asked to bring their ACPHS picture ID and their insurance card with them to every visit. This will help protect against identity theft and ensure eligibility.
Health Insurance Requirement
All students are charged for the College insurance plan. Those who wish to waive the College’s plan must provide insurance information by August 1 in order to have the charge for the school plan removed from their tuition bill. Students must go online to provide the name and address of their health insurance provider, subscriber’s name, and their policy number and/or group number. The confirmation of waiver form must be printed and submitted to the College along with a photocopy of their insurance ID card in order to waive the College’s plan. Students will not be permitted to waive coverage after August 1, and no credit will be issued.
Beginning each year on June 1, students may access the registration/waiver form online in the "My Documents" section of the CAMS student portal, using their ACPHS Username and Password to login. The deadline for registration/waiver is August 1. It is only necessary to complete this process once each academic year.
Annual Cost and Terms of Coverage
The annual cost of the ACPHS plan for 2013-2014 is $1,160.00, which is posted to the student's account and is payable with the tuition bill. Upon completion of the online registration/waiver form, the Office of Student Accounts will be notified. Students who choose to waive out of the ACPHS plan will have the charge removed from their accounts. The plan provides coverage from August 21, 2013 through August 20, 2014.
Online Plan Description Access
The College Plan provides for the payment of charges incurred for covered benefits up to a maximum of $500,000 per policy year.
Covered benefits include, but are not limited to, the following:
- Inpatient/outpatient coverage
- Physician's visits
- Urgent care/emergency room
- X-rays/lab services
- Wellness/physical exams
Dependent and/or Spouse Coverage
Students may purchase the same coverage for their dependent children and/or spouses. Students should contact the Office of Administrative Operations (518-694-7118) for futher details and information.
Loss of Coverage
Throughout the course of the academic year, students sometimes lose their insurance coverage. Some examples of how this could happen include, but are not limited to, a change in a parent’s employment/coverage, the student “ages off” of a parent policy or the student becomes a part-time student. Should one of these exceptions occur, ACPHS students can purchase the College plan during the course of the year at a pro-rated cost. It is the student’s responsibility to notify the College of any changes in coverage and to maintain health coverage while enrolled at the College.
In the event an insured student leaves school to enter active military service, coverage will cease and a pro rata refund of the premium will be made upon request. No other refunds will be made, including failure to complete the registration/waiver form by the August 1 deadline.
Students and/or families may contact the College's insurance coordinator with questions or concerns.