May 16, 2008

S T U D E N T    H E A L T H Health Insurance   |   Mental Health Resources   |   Students Home Brooklyn Law School Student Health Insurance Additional Health Insurance Options Useful Links 2007-2008 Brooklyn Law School Student Health Insurance Plans Brochure Frequently Asked Questions Koster Insurance Agency List of Brooklyn Beechstreet Doctors Brooklyn Law School Student Health Insurance What follows is only a brief description of the Brooklyn Law School Student Health Insurance Plans. Please download a brochure for a complete description of the benefits, limitations and exclusions under these plans. Automatic Student Injury Insurance Brooklyn Law School is pleased to provide, at no cost to its students, a basic injury health plan for each student enrolled in at least 8 credits, the "Mandatory Injury Only Plan," offered through Koster Insurance. Students meeting the credit requirement will be automatically enrolled in the "Mandatory Injury Only Plan." The “Mandatory Injury Only Plan” provides benefits for “Covered Expenses” resulting from a “Covered Injury.” Covered Expenses will be paid at the “Usual and Customary Charges” subject to a $25 Deductible per Injury, up to a maximum of $5,000 per Injury. “Covered Expenses” on the “Mandatory Injury Only Plan” include hospital room and board charges (up to the maximum rate shown per day in the schedule of benefits for a semi-private room), intensive care unit charges, all necessary medical and surgical services and supplies while confined in a hospital, outpatient surgical expenses, outpatient medical care expenses provided by a hospital following a surgical procedure, professional local ambulance services, laboratory and x-ray test and treatments, dental expenses resulting from an accidental injury, and outpatient pharmacy expense. Please refer to Koster'’s Brooklyn Law School Student Health Insurance Plans brochure for complete details about coverage, limitations, and exclusions. Go to kosterweb.com to download a copy of the brochure. Voluntary Student Injury and Sickness Insurance The "Mandatory Injury Only Insurance Plan" provides coverage only in limited circumstances, and students may desire additional coverage. Brooklyn Law School offers additional insurance through Koster Insurance, the "Voluntary Student Injury and Sickness Plan." Students who enroll in the "Voluntary Injury and Sickness Plan" will be responsible for the payment of costs associated with that Plan. In addition, students may, at their own cost, obtain coverage for spouses and dependent children through the "Voluntary Injury and Sickness Plan." The enrollment period for the Fall August 1 -­ August 31 has been extended to Friday, September 7, 2007. The "Voluntary Student Injury and Sickness Insurance Plan" covers medical expenses, including hospital room and board, inpatient and outpatient surgical procedures, emergency outpatient care, lab and x-rays, mental health, prescription drugs, physician office visits, emergency medical evacuation and repatriation of remains services. The maximum benefit per Injury or Sickness per Insured person is $25,000. Please refer to Koster'’s Brooklyn Law School Student Health Insurance Plans brochure for complete details about coverage, limitations, and exclusions. To enroll, go to kosterweb.com, scroll to "Brooklyn Law School" and click on "Student Enrollment Only." If you have questions about either of the Brooklyn Law School Student Health Insurance Plans, please call Koster Insurance Agency at (617) 770-9889 or (800) 457-5599, or send an email to blsstudent@kosterins.com. Additional Health Insurance Options New York State's Family Health Plus The State of New York offers managed care insurance coverage at no cost to single individuals and families who earn less than a specified income. For example, a recent income guide provides that Family Health Plus coverage is available only to single adults who earn less than $9310 yearly, $776 monthly, or $179 weekly. For a determination of eligibility, the applicant must provide specified information, including the value of existing resources and parents’ or spouse’s ability to provide health insurance. The web site for Family Health Plus is www.health.state.ny.us/nysdoh/fhplus/. New York State's Healthy NY Healthy NY is a program that is intended to protect working uninsured individuals. Specifically, it covers sole proprietors and individuals who are employed by businesses that do not offer health coverage. Other criteria must be satisfied including residency in New York, employment of the applicant or spouse during the last twelve months, income below certain guidelines, and absence or loss of health insurance. For information on individual coverage, see www.ins.state.ny.us/website2/hny/english/hny.htm. Stu-Dent Dental Insurance Plan The Stu-Dent plan is offered by New York University College of Dentistry. Dental services covered by Stu-Dent include semiannual oral examinations and cleanings, necessary x-rays, 24-hour emergency care, and discounts on orthodontic services and most dental services not included in the plan. Students enrolled in the Stu-Dent Plan will be treated by graduating D.D.S. and dental hygiene students, overseen by licensed dental faculty members at the NYU College of Dentistry, 345 East 24th Street, on the corner of First Avenue. Visit the Stu-Dent website at www.nyu.edu/dental/patientinfo/stu-dent.html. General Information Sources These general information sources relating to insurance coverage also may be helpful (and is accessible by clicking on the underlined word or phrase): COBRA (on continuation of coverage) Health Insurance Portability and Accountability Act of 1996 (HIPAA) (on pre-existing conditions) Back to top