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Individuals who are:
  • 1) New York State residents
  • 2) Earning below 100% Federal Poverty Line or $22,590 per year
  • 3) Lawfully present in the U.S. (except for J1, J2, F2, and M1 visa holders)
  • 4) Non-immigrants at least 21-64 years old
  • 5) Not eligible for Medicaid or Child Health Plus
  • 6) Not eligible for employer coverage

It covers Essential Health Benefits such as:
  • 1) Physician visits and Specialist
  • 2) Prescription Drugs
  • 3) Inpatient & Outpatient Services at hospitals
  • 4) Preventive Care Services/Immunizations
  • 5) Emergency Services & Urgent Care
  • 6) Mental Health & Substance Abuse
  • 7) Rehabilitative Services
  • 8) Dental and Vision Care

When you complete the application on our website, we will submit your information on to the New York Individual Marketplace within 48 hours and will inform you once it has been approved.

The premium cost is entirely based on the applicant’s tax return. So, for most international students they get it for free.

It will be effective in the month your application is approved. For example, if you apply on August 15, 2021 and you get approved then your coverage can start August 1st.

After your application is approved by the New York Department of health, you will receive a notification from UHC to download your temporary insurance ID card. The physical card will arrive by mail in 2-3 weeks.

No, only New York state medical centers are included. However, when you are outside of New York, you are only covered for emergency room and urgent care visits.

No, the SSN is used by default to verify identity. Without SSN, another other document is used to verify identity.

I-94 Number, SEVIS ID Number, Copy of Passport, Copy of I-20

On this website, you don’t need to but if the NY marketplace system can’t verify your residency then we will let you know. If you are renting, then you can provide a copy of your lease contract. Other proofs of residency include current utility bills with your name and address.

The claim filing information is available in your www.myuhc.com account. You can also contact UnitedHealthCare at 1-866-265-1893 to file claims.

Yes, if you are a New York resident with no coverage from your employer and meet the income requirement.

EAD card, Passport, and OPT receipt number.

You can enroll anytime throughout the year.

You can’t have the coverage overlap. The New York Essential Plan is NOT supplemental to a primary plan, and may NOT be used in conjunction with any medical plan.

J1 and M1 visa holders are only allowed to stay in the US for less than 5 years, so they do NOT meet the Essential Plan eligibility criteria.

No. The Essential Plan will not impact a Student visa application. In fact, under the ACA, Student visa holder should enroll in health insurance because they may be liable for a federal tax penalty under the ACA if they do not have insurance.
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