�������

• Select your student type:
  • “������� Domestic”
  • “������� INTERNATIONAL ONLY”
  • “������� Fresenius Group”“������� Dental Plan”
  • “������� Vision Plan”
• Click “Start Now”
• From the “Quick Links” at the bottom of the page, select “Request an ID Card”, then follow the directions provided

Students can access their insurance card through the healthcare portal after the waiver date has passed, provided their and their account is in good standing (paid in full, on a payment plan and all payment dates have been met). If proof of insurance is needed before the waiver deadline has passed, students can reach out to the Allen J. Flood Companies, Inc. at (800) 734-9326, or �������@ajfusa.com. Please note that verification may take between 24 and 48 hours. Coverage is retroactive from start of coverage period, even if student has not satisfied account until after the date of the event for which the insurance coverage is required.

To learn more about the co-pay amounts you may expect to incur, , select the ������� profile that best describes you (������� Domestic or ������� International), and then download the “Policy Brochure”

The best way to verify the coverage (and limitations in coverage) of your insurance plan is to contact your insurance company. In most cases, there will be a contact number on the back of your insurance card. Before waiving out of the ������� insurance plan, we urge all students to take time to check with their insurance company to verify appropriate coverage in New York State. It is important to get specific confirmation, asking about whether the plan covers the following at the same level in NYS as it may in their home state or country:

• Urgent care
• Wellness visits
• Sick visits
• Prescriptions
• Mental health care
• Advanced imaging and diagnostic testing
• Physical therapy

Students who can demonstrate that they have comparable alternate health insurance coverage may waive out of the plan by the waiver deadline (listed above). To do so:

• Domestic students:
  • and log-in with your ������� ID.
  • Click on the "Students" tab.
  • Scroll down to the "Express Links" section and click on "Health Insurance Waiver”
  • Sign-in again with your ������� ID.
  • Once you log in, complete and submit the required information to waive out of the Student Health Insurance.
• International students - , select the ������� profile that best describes you (������� INTERNATIONAL ONLY, ������� ELI, or ������� Fresenius Group), and then choose SUBMIT WAIVER for international students.

International students F1/J1 holders taking any number of credits must have health insurance. They must either remain enrolled in the ������� Student Health Insurance Plan, or complete the waiver process to be excluded from the plan. Students studying remotely and are in the U.S. must be insured or waive out by the wavier deadline. Students who are studying remotely from their home country are exempt from the mandatory ������� Student Health Insurance Plan. However, they will be billed and therefore have to go through the waiver process indicating on the waiver form “study from the home country”. Waivers based on “study from home country” must be submitted for every academic term of enrollment.

The costs, which vary for domestic and international students, and also vary by the start of enrollment, are explained in detail above.

The dates of coverage are listed above. Students who arrive in New York for academically related reasons (including student athletes arriving for training camp and practice, or international students arriving to search for housing or attend orientation) may be eligible for an extension of their coverage (at a prorated additional charge). Athletes seeking an extension of coverage should speak with their coach or a member of the Athletic Department administration. International students seeking an extension of coverage should speak with their admissions advisor.

For the safety of our students and our campus community, we require all full-time students enrolled in in-person classes to health insurance. We have worked to develop a plan that is, in many cases, more affordable and more robust than alternative plans held by students and their families. Additionally, we know that our students from out-of-state may experience issues with the breadth of the coverage provided by their plans when used in New York State. For these reasons, our students are automatically enrolled in the plan. They may opt out, utilizing the wavier process described below, if they can demonstrate comparable alternative coverage.

Insurance plans and their cost structures are based on identifying the total number of people covered by the plan. For this reason, there must be a clear deadline after which the number of participants will not decline. This is a major factor in keeping costs down for all participants.

Yes, students may secure financial aid (typically in the form of federal or private student/parent loans) to address their ������� health insurance plan expense. However, because not all students use the ������� plan, the expense is not initially included in the Financial Aid Cost of Attendance (COA) budget. Students who wish to take advantage of the ������� Health Insurance plan, and desire to have financial aid (again in the form of federal or private loans) address the charge, need only email financialaid@pace.edu with their names and University ID numbers, and a statement that they will need ������� Health insurance and wish to have their COA budgets increased to account for this expense.

Students enrolling in the program in the fall are covered for a full calendar. After the Fall deadline, students may enroll for the spring and summer by the SPRING deadline. After the Spring deadline, students may enroll for the Summer by the SUMMER deadline. After the summer deadline, students may not enroll in the plan. Students who experience a life event that results in the loss of other insurance may be eligible to be enrolled in the insurance after these deadlines. Students experiencing this must contact The Allen J. Flood Companies, Inc. at (800) 734-9326, or �������@ajfusa.com. Students must be prepared to provide proof of the event resulting in loss of coverage. Additional limitations may apply.

Students who experience a life event that results in the loss of other insurance may be eligible to be enrolled in the insurance after these deadlines. Students experiencing this must contact AJ Flood Company (Contact info) and provide proof of the event resulting in loss of coverage. Additional limitations may apply.

Mental Health (including Substance Use Disorder care) is covered, but the level of out-of-pocket costs varies based on whether the service is “in network” or “out of network”. Please refer to the Policy Brochure for details (, select the ������� profile that best describes you (������� Domestic or ������� International), and then download the “Policy Brochure”).

Yes, Gender Affirming Care is covered, but the level of out-of-pocket costs varies based on whether the service is “in network” or “out of network”. Please refer to the Policy Brochure for details (, select the ������� profile that best describes you (������� Domestic or ������� International), and then download the “Policy Brochure”).

Dental and Vision coverage is included, but only through age 19. Also, the level of out-of-pocket costs varies based on whether the service is “in network” or “out of network”. Please refer to the Policy Brochure for details (, select the coverage in question (������� Dental or ������� Vision).

Hospitalization is covered, but the level of out-of-pocket costs varies based on whether the service is “in network” or “out of network”. Please refer to the Policy Brochure for details (, select the ������� profile that best describes you (������� Domestic or ������� International), and then download the “Policy Brochure”).

Urgent care is covered, but the level of out-of-pocket costs varies based on whether the service is “in network” or “out of network”. Please refer to the Policy Brochure for details (, select the ������� profile that best describes you (������� Domestic or ������� International), and then download the “Policy Brochure”).

Injuries and other necessary care, resulting from participation in intercollegiate athletics, are covered by the plan. Please refer to the Policy Brochure for details (, select the ������� profile that best describes you (������� Domestic or ������� International), and then download the “Policy Brochure”). As Athletes are somewhat more susceptible to injury than the average student, we strongly advise that Athletes think carefully, and consult with their coach and athletic training staff, before choosing to waive the ������� Health Insurance Plan.

Please feel free to contact the Plan Administrator, The Allen J. Flood Companies, Inc. at (800) 734-9326, or �������@ajfusa.com if you have any questions related to this health care insurance or coverage. You can also for more information and select ������� from the drop down menu.

Students who graduate during the academic year have the choice to either terminate their coverage, keep their coverage through the standard coverage period (August 14), or extend their coverage for an additional 3 months past the standard coverage period. To maintain coverage as –is, students do not need to take any action. To terminate the coverage, students must submit a request to AJ Flood, requesting that coverage end as of the date of their graduation. Coverage will be terminated as of the last day of the month in which the student requests termination of coverage AND their graduation takes place (whichever comes later), and a prorated refund of the premium for the unused portion of the coverage will be issued to the student. To extend coverage, students must contact AJFlood companies and complete an extension enrollment form with payment.