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SUNY Potsdam Insurance Plan (SPIP)

SUNY Potsdam highly recommends that all students have health insurance. Beginning Fall 2019, there will be no SUNY Potsdam Insurance Plan.

If you have the SUNY Potsdam Health Insurance (UHC) this Spring 2019 semester:


Insurance Help/Claims

SUNY Potsdam's service representative is Haylor, Freyer, & Coon, P.O. Box 4743, Syracuse, NY 13221.
Phone: (800) 289-1501 and (866) 535-0456

Here are options that are available to you when you do not have the SPIP option:

The Health Initiative will help you through the ADK Wellness Connections (personalized assistance to find the Health & Wellness resources you need)

ADK Wellness Connections is the region's first coordinated system of public, private, and non-profit organizations working together to serve families here in the Adirondack Region sponsored by Adirondack Health Institute.

Student Options:
Income eligible students can apply for free or low cost insurance at any time. Students above income limits have a January 31st deadline to apply.

View eligibility for “Essential Plans” by income and household size


  • The NYS Marketplace estimator assumes applicants are looking for a Qualified Health Plan, so is misleading for low income students.
  • Those with family income over limits shown at the link above generally must apply for a Qualified Health Plan within deadline.

General cost per individual based upon income:

Open enrollment for a Qualified Health Plan generally begins on November 1st in NYS

  • The deadline to apply for a Qualified Health Plan in year in NYS generally has been January 31st, unless the student is eligible for a Special Enrollment Period.

    The effective coverage date for a Qualified Health Plan following a November or December application will either be January 1st or February 1st, depending on application date:
    • Applications completed before the 15th of the month will generally become insured on the 1st of the next month
    • Applications completed on or after the 15th won’t be insured until the 1st day of the 2nd month after application.
  • YouTube “Special Enrollment Period” video by Dept. of Health & Human Services
  • Costs of Qualified Health Plans vary:
    • View Plans and Estimate Cost
    • Neither the “Get Started” or “Estimator” directs low income students to apply for Medicaid, shows no financial help for them, etc. so is misleading for those eligible for Medicaid, or for a free or low cost Essential Plan.

Those income eligible for Medicaid or the NYS Essential plans generally can apply for insurance anytime:

  • Insurance navigators know all the insurance application rules, and are a better resource than the online website.
  • I have students pick up a copy of their financial information from Financial Services before their insurance appointment.
  • Income eligible students generally will have health insurance the same day they apply.
  • International students can apply for a NYS marketplace plan, then have the SUNY International Plan waived once a NYS health insurance plan is in place.

Lastly – all students can also apply for the “Family Planning Benefit” through Planned Parenthood, even if the student is
insured under a parent. Students can apply under their own income, no family income or resources are reported. This
becomes an insurance which is private to the student, no bills or EOB’s home, and covers STI testing and treatment,
pregnancy testing, and all contraceptive care (IUDs, pills, patches, implants).