Health Insurance

Please carefully review your health insurance coverage options. All students are enrolled in Yale Health Basic Coverage at no additional charge. Yale Health Hospitalization/Specialty Care coverage is available at an additional cost. For more detailed information review the Yale Health Student Coverage page or the Student Guide to Yale Health for an overview.

Before you decide to waive (decline) enrollment in Yale Health Hospitalization/Specialty Care coverage, please consider the following questions:

  • Does your health insurance provide out-of-area coverage for non-emergency and emergency care?
  • Does your health insurance have an out-of-area/out-of-network deductible?
  • Does your health insurance require a referral from your primary care clinician within your local network?
  • Does your health insurance require prior authorization/pre-certification for special tests* (e.g., MRI, CT scan, and Ultrasound)?

*Please note: a prior authorization/pre-certification requirement may cause delays in your medical care and/or participation in your sport.

Care with Yale Health’s Hospitalization/Specialty Care Coverage

If you choose to retain Yale Health’s Hospitalization/Specialty Care coverage and are injured while participating in a varsity sport, you will receive your initial care from the Yale Athletic Medicine Team. If your injury requires further testing and/or treatment you will be treated within the Yale Health network of clinicians/specialists and at Yale-New Haven Hospital, if required, with a minimal co-payment.

Care if you Waive Yale Health’s Hospitalization Specialty/Care Coverage

If you decide to waive (decline) Yale Health’s Hospitalization/Specialty Care coverage and are injured, you will still receive your initial care from the Yale Athletic Medicine Team. However, if you require further testing (e.g., MRI, CT scan, Ultrasound, etc.), a referral to a specialist, or surgery, it will not be covered under Yale Health Basic, and you will need to use your own/private insurance plan. We will work with you to arrange for treatment, but please be aware that this may result in delays, additional costs or the need to return home for treatment depending upon your individual coverage.

Again, if you decide to waive, you cannot assume that Yale will cover the cost of specialty care even though the injury occurred during a Yale varsity event.


If you have any questions about insurance coverage contact Member Services at 203-432-0206 or If you have any questions pertaining to the Athletic Medicine Department, e-mail