William Paterson University
STUDENT HEALTH INSURANCE PLAN
2024-2025 Academic Year
Health Insurance Requirement
In accordance with state law, William Paterson University is required to offer health insurance coverage for purchase by students who are enrolled full-time. The plan being offered for the 2023-2024 academic year is through Aetna Student Health.
Full-time students, as defined below for health insurance purposes, are automatically billed for health insurance. Full-time students have the opportunity to waive/opt out of this coverage by providing evidence of health insurance coverage by completing the online waiver form by the waiver deadlines established by the University and identified below.
- Undergraduates taking 12 or more credits
- Graduate taking 9 or more credits
- Biology/Biotechnology Graduate taking 8 or more credits
- Doctor of Clinical Psychology taking 6 or more credits
Please note, the Student Health Insurance Plan is not available to part-time students.
Cost and Policy Periods
| Annual | NEW Spring Students | J-1 International Fall | |
| Policy Period | 8/1/24-7/31/25 | 1/1/25-7/31/25 | 8/23/24-12/31/24 |
| Student | $2,704 | $1,571 | $970 |
| Deadline Date | September 27, 2024 | February 22, 2025 | September 27, 2024 |
The waiver deadline for NEW Spring 2025 students is February 22, 2025.
Plan Highlights
The Student Health Insurance Plan will continue to be provided by Aetna Student Health. The plan is ACA-compliant and includes access to Aetna's national PPO network of providers. Students do not have to select a primary care physician and referrals are not required.
WPUNJ has partnered with University Health Plans to administer the plan and help with waiver, enrollment, or benefit-related questions. University Health Plans can be reached at 833-251-1114 or info@univhealthplans.com.
Fall 2024
The annual Student Health Insurance fee will be automatically billed to all full-time students during the fall billing cycle. Students who waive their insurance in the fall may not enroll in the spring semester unless there is a qualifying life event. A qualifying life event is a change in your situation, like getting married, having a baby, adoption, or losing health coverage that allows you to enroll in health insurance within the first 31 days of the event outside the waiver and enrollment period. To enroll due to a qualifying life event contact University Health Plans at 833-251-1114.
Spring 2025 for NEW spring students
The Spring Student Health Insurance plan will be billed to all new incoming full-time students and students who were part-time for the Fall 2024 semester and become full-time for the Spring 2025 semester.
Health Insurance Enrollment/Waiver Information
Students are required to enroll in or waive the Student Health Insurance Plan each academic year. If you plan to keep the University Sponsored Student Health Insurance Plan, you confirm enrollment before the plan's effective date. If you have other coverage you must complete the online waiver form to have this charge removed from your bill. If you do not complete the waiver form by the deadline date, or confirm enrollment, you will be automatically enrolled in the Aetna Student Health Insurance Plan after the waiver deadline. The "Waiver Form" and "Enrollment Form" are located in the left-hand side navigation menu.
Disclaimer: If you withdraw from all/some courses on/or after the add/drop period it does not remove the health insurance premium. You will remain enrolled in the Student Health Insurance Plan for the duration of the policy period. You will also be financially responsible for the full cost of the health insurance premium unless you have an approved waiver on file by the deadline date.
Important information: Copies of your insurance card submitted to the Office of Student Accounts or any other William Paterson University office do not constitute a waiver and are not acceptable. The University reserves the right to audit all waivers to ensure compliance with the University's insurance requirements. Please be sure to have a copy of your insurance policy as you may be asked to provide documentation. A valid insurance card must be available when submitting the insurance waiver. Pending insurance coverage or a letter from your employer or third company is NOT acceptable.
Early Termination (Not Permitted)
Montclair State University and Aetna Student Health DO NOT prorate health insurance premiums or adjust effective dates of coverage. Students will not be removed from SHIP coverage based upon graduation, withdrawal from the University, or new insurance plan post-waiver deadline. SHIP coverage will remain in effect until the end of the policy period.
Qualifying Event
Students who waive the insurance in the fall may not enroll in the spring semester. Students who waive are only eligible to enroll if there is a Qualifying Life Event that causes them to lose other insurance. Please email info@univhealthplans.com to access the enrollment form within 31 days of the loss of coverage.
Other Coverage Options
For additional information, including information about the health care law, finding insurance options, and accessing your state’s health insurance exchange, please refer to http://www.healthcare.gov.
Contact Information
A summary of the insurance benefits and directory of the provider network can be found in the left-hand side navigation menu. UHP is available to manage the waiver and enrollment process and answer general questions about the insurance plan. To speak with a representative, please call 833-251-1114 or send an email to info@univhealthplans.com. If you have specific questions regarding the benefits, please feel free to contact Aetna Student Health at 800-481-8814. If you have questions about your tuition bill, please contact the Office of Student Accounts, William Paterson University, at 973-720-2234.
