Learn about your school insurance plan’s specific benefits and requirements to make an informed choice. Review the coverage details, costs, and network providers to understand how the plan meets your healthcare needs.
All full-time Manhattan School of Music students are required to have health insurance that meets the minimum essential coverage requirements set by the U.S. Affordable Care Act. All full-time Manhattan School of Music students will be pre-enrolled in the plan and charged via their student bill.
The MSM Student Health Insurance Plan (SHIP) is mandatory for all F-1 visa holders. International health insurance plans are not accepted. Students enrolled at MSM through our partnership exchange program are also mandated to enroll on the MSM-sponsored plan. Exemptions: Enrollment is voluntary for DMA students in their 3rd year and beyond.
Dependent coverage is only available for international students with J-1 status.
To be eligible to waive the MSM-sponsored Student Health Insurance Plan (SHIP) your individual/private plan:
Click here to waive Student Health Insurance. The deadline to waive Annual coverage is 08/15/2025.
| Coverage Type | Annual 8/20/25 – 8/19/26 |
Fall 8/20/25 – 12/31/26 |
Spring/Summer 1/1/26 – 8/19/26 |
Summer 6/28/26 – 8/19/26 |
|---|---|---|---|---|
| Student | $3,667 | $1,346.24 | $2,320.76 | $532.47 |
| Spouse | $3,667 | $1,346.24 | $2,320.76 | $532.47 |
| Child | $3,667 | $1,346.24 | $2,320.76 | $532.47 |
| 2 + Children | $7,334 | $2,692.48 | $4,641.52 | $1,064.94 |
| Spouse + 2 or More Children | $11,001 | $4,038.72 | $6,962.28 | $1,597.41 |
If you have lost your health insurance coverage, you may be eligible to join the student health insurance plan under a Qualifying Life Event. Please contact malinda.townsend@usi.com for additional information.
| Plan Features | UnitedHealthcare Group #2023-843-1 |
||
|---|---|---|---|
| In-Network Preferred | In-Network Participating | Out-of-Network | |
| Contract-Year Deductible Individual/Family | $0 | $250 / $500 | $500 / $1,000 |
| Out-of-Pocket Limit Individual/Family | $0 | $9,100 / $18,200 | $18,200 / $36,400 |
| Medical Coverage | You pay: | You pay: | You pay: |
| Preventive Care | Covered in full | Covered in full | 30% after deductible |
| Primary Care | Covered in full | $30 copay | $60 copay |
| Specialist | Covered in full | $30 copay | $60 copay |
| Mental Health Office Visit | Covered in full | $30 copay | $60 copay |
| Chiropractic (30 visits/year) | Covered in full | $30 copay | $60 copay |
| Urgent Care | 20% | 20% after deductible | 40% after deductible |
| Emergency Room | $250 copay, then 20% | ||
| Prescription Drugs (30-day supply) | |||
| Rx Deductible | Not covered at SHC | $100 | $100 |
| Generic | $20 copay after Rx deductible | $20 copay after Rx deductible | |
| Preferred Brand | $40 copay after Rx deductible | $40 copay after Rx deductible | |
| Non-Preferred Brand | $60 copay after Rx deductible | Not covered | |
Annual checkups help you stay healthy. Take care of yourself by using your FREE in-network preventive care benefits each year! Preventive care visits allow you to take action early and keep treatable health issues from becoming chronic conditions.
Call your doctor and dentist to schedule your FREE annual checkup today! Need to find a doctor? Click here.
Students age 18 and under have access to dental and vision benefits up to the last day of the month in which you turn 19.
You have access to the following dental coverage each benefit year in which you are eligible:
You have access to the following vision coverage each benefit year in which you are eligible:
Locate a healthcare provider or facility in your plan’s network. Click here to find a provider.
Click here to access your insurance ID Card.
Starting on the effective date of your coverage under the student insurance plan, you have 24/7 access to medical advice through HealthiestYou, a national telehealth service.* By visiting telehealth4students.com, you have access to board-certified physicians via phone and/or video, where permitted. This service is especially helpful for minor illnesses, such as allergies, sore throat, earache, pink eye, etc. Based on the condition being treated, the doctor can also prescribe certain medications, saving you a trip to the doctor’s office. Using HealthiestYou can save you money and time, while avoiding costly trips to a doctor’s office, urgent care facility, or emergency room. As a Member with Student Resources, there is no consultation fee for this service.* Every call with a HealthiestYou doctor is covered 100% during your policy period. You can learn more about this benefit and how to use it in My Account.
This service is meant to complement your Student Health Center. If possible, we encourage you to visit your Student Health Center first before using this service.
HealthiestYou is not health insurance. HealthiestYou is designed to complement, and not replace, the care you receive from your primary care physician. HealthiestYou physicians are an independent network of doctors who advise, diagnose, and prescribe at their own discretion. HealthiestYou physicians provide cross coverage and operate subject to state regulations. Physicians in the independent network do not prescribe DEA controlled substances, non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. HealthiestYou does not guarantee that a prescription will be written. Services may vary by state.
*Available to Member students and their covered Dependents; age restrictions may apply. If you call prior to the effective date of your coverage under the insurance plan, you will be charged a service fee before being connected to a board-certified physician.
Starting on the effective date of your coverage under the student insurance plan, you have access to mental health providers through a national virtual counseling service.* Psychiatrists, psychologists, and licensed therapists are available to you through a variety of communication methods, including phone and video.
When you sign up, you’ll complete a questionnaire, choose your provider, and select a date and time for your appointment. Appointments are available 7 days a week. Visits are secure, discreet, and confidential, and you have ongoing support with the same provider.
As a Member with Student Resources, there is no consultation fee for this service. Every communication with a provider is covered 100% during your policy period.
*Available to Member students and their covered Dependents; age restrictions may apply, depending on your state.
Members have immediate access to the Student Assistance Program, a service that coordinates counseling services offered by Master’s Licensed Clinicians who can provide Members with someone to talk to when everyday issues become overwhelming. More information about these counseling services is available by logging into My Account here.
Is the student health insurance comprehensive i.e., includes hospitalization if needed?
Yes, the plan offered is ACA compliant and covers all Essential Health Benefits. It is rated as a Silver level plan for those familiar with metal levels for ACA plans.
Does the student health insurance include dental coverage?
The MSM Student Health Insurance Plan offers pediatric dental benefits. Please refer to the UHCSR Certificate for additional information on this coverage.
What is the coverage period?
The plan runs for 12 months (the full academic year, 8/20/2025 – 8/19/2026) if you meet the eligibility requirements.
Does the student health insurance cover student medical expenses off campus or when traveling (e.g., to home state)?
Yes, the MSM Student Health Insurance Plan uses the UHC PPO network which is recognized nationally. As always, please confirm with the provider that they are in-network before services are rendered.
What happens if I lose my own or my parent’s coverage mid-semester? Can I join the Manhattan School of Music Student Health Insurance Plan?
You may be eligible to join the plan mid-semester if you experience a Qualifying Life Event (QLE,) such as loss of coverage. Please contact Malinda Townsend at malinda.townsend@usi.com for more information should you experience a QLE.
Student Accounts Office
Student Accounts Office
These videos walk you through each step of finding your school’s plan, understanding your coverage options, and completing enrollment or waiver forms. Watch to get a clear visual guide that makes navigating student health insurance simple and straightforward.
