All qualifying full-time domestic students must have UB-sponsored health insurance coverage (or comparable coverage) for the duration of their academic registration at UB. Part-time domestic students are not required to have health insurance, but may choose to enroll.
| Coverage Dates | Deadline for Enrollment and Waivers | Premiums |
|---|---|---|
Full Year Plan 8/1/20 - 7/31/21 | Fall semester: 10/7/20 | Annual yearly single premium: $2,298.00 |
Spring Enrollment 1/1/21 - 7/31/21 | Spring 2021 semester: 3/11/21 | New Spring student single enrollment: $1,361.00 |
Open enrollment is available until the deadline regardless of your coverage history. You can also enroll any time throughout the year with no gap in coverage from your previous plan if you have a life-changing event; please read this page carefully for more details. Please review the enrollment form for dependent and off-cycle rates.
You will be required to purchase and keep the health insurance plan offered through UB unless you have an approved waiver on file by the deadline. An approved waiver provides proof of comparable coverage through another plan. The waiver is an annual process that must be completed when you are registered for full-time credit hours.
Qualifying students who do not have an approved waiver on file are encourage to take action and enroll in the program beginning August 1 (for fall enrollment) and January 1 (for spring enrollment) or complete the waiver.
Once an approved waiver is on file, students will receive a health insurance premium refund (deadlines apply).
If you are required to have health insurance — and you have health insurance that meets or exceeds the minimum requirements — you can request a waiver for the premium refund.
Please see the chart on this page for deadlines. You can also apply anytime throughout the year (off-cycle) if you have a life-changing event that causes you to lose other health insurance coverage. Common events may include:
Your application must be submitted within 30 days of loss of coverage, and your student account will be billed accordingly (prorated or with the additional premiums).
Please see your plan for specific details.
The waiver must be approved for the premium to be refunded from the student account. Waivers must be submitted annually.
Please follow these steps to request a waiver from UB Student Health Insurance.
If you are not able to request the waiver through the online process, please contact the Student Health Insurance Office at 1Capen (North Campus) to request a Special Circumstance Waiver. A Special Circumstance Waiver is available for military, online-only students, and for students with extenuating circumstances.
If at any point you are registered with full-time credit hours, the system will apply the premium fee to your student account. If you drop credit hours to part-time (and therefore no longer have the health insurance requirement), you need to apply for a special circumstance waiver based on this change (unless you want to have the insurance coverage; it is not required for part-time students).
All waiver questions and concerns must be directed to the servicing broker:
For domestic students; only for waiver requests or to enroll or terminate your coverage.
Phone: 866-535-0456
Email: student@haylor.com
It is your responsibility to check your UB email. If you request a waiver and it is denied, your notification will arrive via email. In addition, the University no longer generates a paper tuition statement. Your Student Account Statement is by eBill only. Failure to view your eBill details will not be accepted as a reason to waive the insurance charge after the published deadline.
* The University at Buffalo is committed to ensuring equal access to information that is presented online. As part of this commitment, university web content must be accessible to everyone, including individuals with physical, sensory, or cognitive impairments, with or without the use of assistive technology. If you encounter an accessibility issue when completing this form, please contact the health insurance office.
You will only be permitted a waiver if your policy matches or exceeds the UB-sponsored policy and is approved by Haylor, Freyer and Coon, Inc.
The University at Buffalo requires all full time domestic students undergraduates at 12+ credit hours and graduate/professional students at 9+ credit hours carry adequate health insurance.
This requirement is mandatory for all students that meet the credit hour threshold.
The student insurance premium fee will automatically be charged to the tuition bill and be applied to the student account each year you attend.
If you or your family have private health insurance that meets the requirements, comparable coverage to the student plan, you can process an opt out waiver through an on-line portal.
Please classify yourself when asked as military to avoid confusion with verification of some private insurance plans. (ex; Tricare, ChampVA, etc.) Veteran are permitted to waiver with no private coverage due to the VA hospital being so close to the University at Buffalo South Campus on Bailey Ave.
In the event you have any difficulties the staff in 1Capen on North Campus will be glad to assist, please email or visit 1Capen.
All qualifying full-time students must have UB-sponsored health insurance coverage (or comparable coverage) for the duration of their academic registration at UB. These policies are set by UB.
Health insurance coverage is mandatory for:
You are eligible to enroll in the domestic student plan if you:
Students are insured through BlueCross BlueShield of Western New York — a national provider with many participating doctors.
For more details about the plan, including links to find a participating provider, information about your coverage, and ways to manage your account, please contact:
For specific questions about your domestic plan and including providers, benefits, coverage and claims.
257 West Genessee St
P.O. Box 80
Buffalo, NY 14240-0080
Phone: (800) 888-0757; Fax: (716) 887-2041
This insurance policy offers very limited coverage for dental and vision care. Please see your plan for more information.
Coverage for dependents is available but not required by UB. If you are a student with a spouse and/or child who needs coverage, please list them on your enrollment form. See the enrollment form for more information, including premium costs.
If you receive a job or opportunity for private coverage that offers insurance, and you want to cancel your insurance through UB, you may contact Haylor, Freyer and Coon, Inc. directly to request an Early Termination application.
For domestic students; only for waiver requests or to enroll or terminate your coverage.
Phone: 866-535-0456
Email: student@haylor.com
For help understanding and navigating the health insurance process.
Student Health Insurance Office
Student Life
1 Capen
University at Buffalo
Buffalo, NY 14260-2100
Phone: (716) 645-3036
For domestic students; only for waiver requests or to enroll or terminate your coverage.
Phone: 866-535-0456
Email: student@haylor.com
For specific questions about your domestic plan and including providers, benefits, coverage and claims.
257 West Genessee St
P.O. Box 80
Buffalo, NY 14240-0080
Phone: (800) 888-0757; Fax: (716) 887-2041
