USI Affinity Collegiate Insurance Resources is a leading provider of insurance programs and products for higher education.
The benefits listed below are available to all matriculated Empire State College students.
| Best Benefits Plan | Dental Plans | Medical Cost Reduction Plan | Short-Term Major Medical Insurance || Renters/Personal Property Insurance | Travel Insurance | Tuition Refund Insurance |
The “Best Benefits Plan” is a group of discount products that are purchased as a package. The package includes:
Membership for your immediate household for this select group of quality discount plans is provided at a total annual fee of $29.00. Upon enrollment, you will be mailed an ID card along with detailed information on each benefit.
The Best Benefits Plan is currently not available in Alaska, Arkansas, Connecticut, Florida, Indiana, Montana, Nevada, North Dakota, Oklahoma, South Dakota and Utah.
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The American Dental Association says that dental problems typically fall into one of two categories: tooth decay or gum disease. Getting regular examinations and cleanings can allow your dentist to catch dental problems before they become painful and expensive to treat. We currently offer two competitive dental plans on a voluntary basis:
Option 1 — HealthPlex (Insurance Plan underwritten by Dentcare)
Option 2 — CIGNA Plus Savings ® Discount Plan powered by CIGNA
The CIGNA plan is currently not available in Arkansas, Montana, North Dakota, South Dakota and Wyoming.
ReadyMed is affordable short-term major medical coverage that is available for 30-to 180-day periods. Students can go to any licensed medical doctor or hospital. There is no list or network of health care providers to select from. There are no copays. All covered charges apply towards the deductible. ReadyMed can fill the gap:
USI Affinity Collegiate Insurance Resources provides quality benefits to students at very competitive rates with travel insurance products for individuals, students and groups. Excellent group rates are available to students studying abroad or participating in a group travel experience within the United States.
Protect your property with renters insurance. Protecting a student’s personal property is an important part of being a responsible college student and of being a mature and independent adult. In most cases, neither a landlord nor a college or a university’s insurance policy cover the student’s personal belongings if lost or stolen. Additionally, the student could be held liable if damage is done to property or if someone is hurt on the premises.
Renters insurance protects the student’s home and belongings. A common misconception is that the landlord’s or the building association’s insurance will cover the renter’s property. In reality only the landlord’s property will likely be covered and not the student/renter’s property.
Protect your college Investment with tuition refund insurance. The costs associated with college are constantly increasing. This investment in education, like any other investment, can result in a loss when the student is forced to withdraw for medical reasons.
GradGuard Tuition Insurance, underwritten by Markel Insurance Company, is a group policy issued to College Parents of America. College Parents of America is an independent organization consisting of current and future parents of college students. GradGuard Tuition Insurance refunds the cost of: tuition, academic fees, room, board and other legitimate expenses if a student is forced to withdraw from school due to unexpected illness, injury or death.
The covered loss is calculated based on the non-refunded expenses incurred by the policy holder. GradGuard Tuition Insurance coverage includes:
Note: Tuition Insurance does not cover medical expenses or losses resulting from voluntary withdrawals not related to medical disability.
MCA can reduce your medical bills; after services are performed or before services are performed (prospective negotiation services). Whether you are insured or uninsured, MCA can negotiate your charges, whether related to in-network or out-of-network, as long as your medical bill exceeds $200. MCA has more than 10 years of experience negotiating medical expenses between providers and insurance companies and brings this expertise:
Visit www.cirstudenthealth.com/esc for more information or call 800-322-9901 (select option "5" and then "1") to speak with a customer-service representative.