Student Health Insurance Plan

New SUNY Potsdam Policy Starting Fall 2013 Semester

All domestic, matriculated, graduate or undergraduate SUNY Potsdam students enrolled for 12 or more credit hours in a semester are required to have health insurance coverage.  

Until the Fall Semester of 2013, SUNY Potsdam was one of a few SUNY colleges that did not require its students to have health insurance.  Major change in the US health insurance industry has lead the SUNY Potsdam College Council to change this policy, with the notification and concurrence of the Student Government Association.  Beginning for the Fall Semester 2013, all matriculated SUNY Potsdam students, completing graduate or undergraduate studies, enrolled for 12 or more credit hours in a semester will be required to have health insurance coverage. 

How This Policy Affects SUNY Potsdam Students

In addition to ensuring students have adequate access to health insurance, the new policy brings changes in SUNY Potsdam’s billing procedures.  As of the 2013 Fall Semester:

  • If you are a student without health insurance coverage and you meet the enrollment criteria in the above policy, you are required to purchase the SUNY Potsdam Student Health Insurance Plan (SHIP).  The SHIP premium will be added to your bill.
  • If you are a student with health insurance and you meet the enrollment criteria in the above policy, you may request a waiver to exempt you from purchasing the SHIP.  A waiver must be submitted EACH SEMESTER you meet the criteria and attend SUNY Potsdam.  Submit the waiver on BearPAWS.  If you are granted a waiver the current semester’s SHIP premium will be removed from your student bill.  It will be removed within 1-2 days after you receive a confirmation message that your waiver has been approved.
  • The deadline for the submission of a waiver is the last day of Add/Drop for the semester in question.  IT WILL NOT BE POSSIBLE FOR YOU TO WAIVE THE SHIP PREMIUM AFTER THAT DATE, even if you already have health insurance.
  • Any SUNY Potsdam student taking one or more credit hours in a semester has the option of purchasing the SHIP, including students who feel they have inadequate coverage with their current health insurance plan.

Please Note: SUNY Potsdam does not receive any monetary or other compensation from the companies administering the SHIP.

How To Submit A Student Health Insurance Plan Waiver

Due to Technical Issues, these links will not be available until July 10, 2013.

The SHIP waiver links cannot be used until 90 days before the start of the semester in question.  The link is found on BearPAWS in four places:

  • BearPAWS > New Student Services > Student Health Insurance Plan  (SHIP) Waiver Link
  • BearPAWS > College Life and Auxiliary Services > Student Health Insurance Plan  (SHIP) Waiver Link
  • BearPAWS > Student Services & Financial Aid > Student Records > Student Health Insurance Plan  (SHIP) Waiver Link
  • BearPAWS > BearPAWS for Guests > Student Health Insurance Plan  (SHIP) Waiver Link

You will need your campus computer account username and password to sign on to BearPAWS.  Clicking the link will take you to the AIG website where you will be asked to submit information from your health insurance card.  Please have your card available.  If the waiver is approved, the SHIP premium will be removed from your student bill 1-2 business days after you receive confirmation your waiver has been approved.  

How To Voluntarily Enroll In The Student Health Insurance Plan

  • If you are a matriculated SUNY Potsdam student enrolled for  12 or more credit hours in a semester and you wish to enroll in the SHIP, DO NOT submit an insurance waiver.  The SHIP premium will remain on your student bill. 
  • Any matriculated SUNY Potsdam student taking from 1 - 11 credit hours, or any non-matriculated SUNY Potsdam taking at least 1 credit hour, may choose to enroll in the SHIP.  To enroll, please contact Haylor, Freyor & Coon (see the Policy Administrators section).  You will pay the premium directly to the insurer, not to the SUNY Potsdam Office of Student Accounts. 


Student Health Insurance Plan Coverage Details

The SHIP is an accident and health insurance policy.  If you purchase the SHIP each semester, you are covered for a full year, even when you are not on campus and during the summer.  The policy is underwritten by the National Union Fire Insurance Company of Pittsburgh, PA, a member company of AIG.  Click the link for the 2013-2014 insurance policy brochure to see the premium amount and to read a summary of the coverage.


Insurance Help

SHS has an employee available to answer questions about the SHIP and to assist students with bills and claims submissions.  If you have questions, please contact:

  • Laura Goodrow (not available May 20 through August 16, 2013)          
    Student Health Services        
    44 Pierrepont Avenue            
    Potsdam, NY 13676            
    Phone: (315) 267-3346 
    Fax: (315) 267-3260   
  • SUNY Potsdam Student Health Services
    44 Pierrepont Avenue
    Potsdam, NY   13676
    Phone: (315) 267-2377
    Fax: (315) 267-3260

Policy Administrators

Claims for the 2013-2014 Policy are administered by Haylor, Freyer, & Coon, members of the Maksin Management Corporation, a Chartis third-party administrator.

  • Haylor, Freyer & Coon
    231 Salina Meadows Parkway
    P.O. Box 4743
    Syracuse, NY 13221-4743
    (800) 289-1501 (ask for the College Insurance Specialist)
    Haylor, Freyer & Coon
  • Maksin Management Corp.
    P.O. Box 2647
    Camden, NJ  08101-2647
    Phone: (877) 440-6839   
    Fax:  (856) 858-6157
    The Maksin Group

How This Policy Benefits SUNY Potsdam Students

  • The new policy allowed SUNY Potsdam administration to create an agreement with SUNY Canton and SUNY Plattsburgh to gather those of our students needing SHIP into a single insurance pool.  Students at this campus will see a 28% decrease in the SHIP premium while concurrently improving the coverage to include dental benefits, the removal of network requirements, and reduction in out-of-pocket expenses.
  • It prepares you for the full implementation of PPACA in the fall of 2014.
  • It brings SUNY Potsdam in line with the recommendation by the American College Health Association that “the college or university requires students to provide evidence that they have adequate health insurance coverage.”  
  • All SUNY Potsdam students will have access to adequate health care.