Domestic Students

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.

Insurance Information: 2019-2020
Coverage Dates Deadline for Enrollment and Waivers Premiums

Full Year Plan

8/22/19 - 8/21/20

Fall semester: 10/9/19
Annual yearly single premium: $2,270.00

Spring Enrollment

1/22/20 - 8/21/20

Spring 2020 semester: 3/11/20 New Spring student single enrollment: $1,345.00

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.

Automatic Enrollment

You will be required to purchase and keep the health insurance plan offered through UB annually unless you have an approved waiver on file by the deadline. An approved waiver provides proof of comparable coverage through another plan.

Qualifying students who do not have an approved waiver on file will be automatically enrolled in the program beginning September 1 (for fall enrollment) and February 1 (for spring enrollment).

Once an approved waiver is on file, students will receive a health insurance premium refund (deadlines apply). 

Request a Waiver

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.

Waiver Criteria and Process

Criteria Required for a Waiver

  • The coverage used for a waiver must meet or exceed the coverage provided through the school.
  • You must have emergency and non-emergency coverage in the Buffalo and Western New York area; coverage only for emergencies / urgent care in the Buffalo and Western New York area will not qualify for a waiver.
  • Any policy used to waive insurance must be in effect no later than September 1st for fall and February 1st for new spring students only.
  • Online, military or veteran students should contact the Student Health Insurance office at 1Capen

Waiver Deadlines

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:

  • Losing or gaining coverage through other insurance (because of your age, a change in a parent’s job, or other circumstances)
  • Changes in your family (marriage, divorce, having a child, etc.)

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.

Request a Waiver

Please follow these steps to request a waiver from UB Student Health Insurance.

  1. Contact your private insurance company to see how it covers you at school.
  2. If you think that you have qualifying coverage (based on the previously listed criteria), you may attempt to request a waiver. Waivers must be submitted every academic year and are completed online.
  3. To begin the waiver process, have your UB person number, UB email address and your insurance card ready before using the "waiver" button.
  4. When you have completed the process successfully you will be sent an email with a confirmation number.
  5. You should receive an email within 5 business days, letting you know if your waiver was approved or denied.
  6. Review your student account after 2 business days to verify that the credit has been posted.

Military, Online-Only Students, and Other Special Circumstances

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).

Waiver Questions and Concerns

All waiver questions and concerns must be directed to the waiver provider:

For domestic students; only for waiver requests or to terminate your coverage.

500 Victory Road
Quincy, MA 02171

Phone: (877) 231-9757; Fax: (617) 479-0860

Check Your UB Email

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.

Accessibility

* 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 UB’s Student Health Insurance Office.

Who Is Required to Have Coverage?

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:

  • Full-time undergraduate domestic students (taking at least 12 credit hours)
  • Full-time graduate domestic students (taking at least 9 credit hours)

Who Is Eligible to Enroll?

You are eligible to enroll in the domestic student plan if you:

  • Do not have other medical coverage that is comparable to UB-sponsored insurance
  • Are taking a minimum of 6 credit hours or are matriculated into a program with 1 credit hour

About the Plan

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

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.

Terminating Your Coverage

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 Gallagher Student Health directly to request an Early Termination application.

For domestic students; only for waiver requests or to terminate your coverage.

500 Victory Road
Quincy, MA 02171

Phone: (877) 231-9757; Fax: (617) 479-0860

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Need Help?

For help understanding and navigating the health insurance process.

1 Capen
University at Buffalo
Buffalo, NY 14260-2100

Phone: (716) 645-3036; Fax: (716) 645-3948

For domestic students; only for waiver requests or to terminate your coverage.

500 Victory Road
Quincy, MA 02171

Phone: (877) 231-9757; Fax: (617) 479-0860

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