Students insured through the College's MVP insurance will be charged a co-pay to be seen by a doctor, with any other services rendered being billed at their specific costs to MVP. Students insured through other providers will either be billed their specific co-pay or have their insurance provider billed for an office visit, consistent with the benefit plan provided.
Health Insurance Requirement
ACPHS takes the health of all students very seriously. Therefore, we require that all students have health insurance coverage, either through a private vendor or through the health insurance plan offered by MVP Healthcare to our students.
Approved insurance plans will:
- Provide basic coverage to our students (compliant with current Affordable Care Act Standards -Essential health benefits - Glossary | HealthCare.gov) within a 50-mile radius of ACPHS.
- Provide both emergency and non-emergency coverage within a 50-mile radius of ACPHS
- Be part of a domestic US health insurance plan. International students are automatically enrolled in the plan. (Exceptions are made on a case-by-case basis).
- Limited exceptions will be made on a case-by-case basis, for students who are on rotations outside of the Albany area or studying remotely.
This year, the insurance charge of $3280 is being applied to every student’s account to ensure that they have coverage. If you have adequate private insurance coverage, you must waive the College’s insurance plan by August 19th. Students who do not waive the College health insurance plan by August 19th will be charged the full non-refundable amount of $3280.
Registration/Waiver Procedures
The date to enroll or waive has been extended to August 19th. If you wish to submit a waiver request and meet the criteria, you may complete the waiver form in Campus Café (see attached instructions for accessing Campus Café). You will then receive an email from the insurance broker, Haylor, stating that your waiver has been accepted or denied. If accepted, your student ledger will be updated within 24-48 business hours of approval. Additional information about the insurance waiver is provided below in this email.
We will be going through a third-party vendor this year for enrollments and waivers. This third-party vendor is Haylor Freyer & Coon, an Alera Group. You will receive several emails throughout the summer from student@haylor.com with information for waiving or proactively enrolling in the insurance plan. We are excited to be working with Haylor Freyer & Coon this year to provide our students with 24/7 insurance support. Haylor Freyer & Coon will then send reminders via email to waive throughout the August 19th deadline.
Annual Cost and Terms of Coverage
The insurance plan through MVP Healthcare will take effect on August 21, 2024, and continue through August 20, 2025. If, at any time, you obtain private insurance coverage, you may waive the College insurance by contacting Haylor Freyer & Coon. A pro-rated cost adjustment would then be made to your Student Account.
If you initially waive the MVP plan because you have private coverage, but then lose private coverage, you may also contact Haylor Freyer & Coon to enroll at a pro-rated cost (based on the time of enrollment).
If you proactively enroll in the insurance plan, you will receive your member ID right away so that you can provide it to your healthcare provider and pharmacist. If you do not proactively enroll, you will receive your membership information after August 21st.
Online Plan Description Access
The College Plan provides for the payment of charges incurred for covered benefits with an unlimited maximum benefit 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
- Prescriptions
A summary of benefits is available in the health insurance enrollment book and benefits summary. Information on MVP can be obtained from the MVP website.
Loss of CoveragE
Throughout 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 becoming a part-time student. Should one of these exceptions occur, ACPHS students can purchase the College plan during the year. 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.
Refunds
If you leave school to enter active military service, coverage will cease, and a pro-rated 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 19th deadline.
Questions?
For any questions regarding the health insurance plan through MVP, enrollment or waivers, please contact Haylor Freyer & Coon through the options below.
Note: Please check your email and spam folders for emails from student@haylor.com for the waiver or enrollment form.
Collegiate Department
Haylor Freyer & Coon, an Alera Group
1-866-535-0456
student@haylor.com