Predoctoral and M.D./Ph.D. Students

Medical

Predoctoral and M.D./Ph.D. students receive bundled benefits packages that include medical and vision coverage. Optional dental coverage is available. The medical plan options are the MontePrime EPO and the MonteCare PPO.

The MontePrime EPO plan requires that certain in-network providers be used. Any cost share will be higher when Empire BlueCard PPO facilities and providers outside Montefiore and the Montefiore Integrated Provider Association network are used.

The MonteCare PPO plan uses the Empire BlueCard PPO network and the Montefiore network. Your share of the cost will be higher when you use Empire PPO facilities and providers outside Montefiore and the Montefiore Integrated Provider Association network. The MonteCare PPO gives you the flexibility to choose any provider; however, you will pay more for out-of-network healthcare services.

Prescription Drug Benefits

The prescription drug benefits under the MontePrime EPO plan are available through the Montefiore Outpatient Pharmacy only.

Under the MonteCare PPO plan, prescription drug benefits are administered by Express Scripts, Inc. (ESI). Under the MonteCare PPO plan, you have the option of using retail pharmacies within the ESI network, the ESI home delivery pharmacy service or the Montefiore Outpatient Pharmacy for your prescription drug needs. Prescriptions filled at the Montefiore Outpatient Pharmacy will be delivered to the ScriptCenter on Einstein’s campus daily.

Dental Benefits

Einstein offers two dental plan options: the Cigna DHMO plan and the Cigna PPO plan.

Vision Benefits

United HealthCare Vision Plan provides benefits for routine eye exams, eyeglasses and contact lenses.

Group Legal Services

Group legal services are provided by Hyatt Legal Services. This coverage helps pay all or part of the cost of a wide range of personal legal services through a network of participating attorneys.

Child Care Grant

Einstein offers a grant of $250 per child per month to help subsidize the cost of child care at certain child care centers in the Bronx. This grant is available to medical students, graduate students and post-doctoral research fellows.

Click here for the Child Care Grant Policy
Click here for the Child Care Program Approval Request
Click here for the Child Care Pre-Screened Centers
Click here for the Child Care Grant Application

Einstein Medical Students

Einstein requires that all students matriculating at Einstein MUST have health insurance in effect for the entire duration of their stay at Einstein. All students are provided with single coverage in the Einstein Student Health Insurance Plan. All current students are automatically billed for this coverage effective at the start of the academic year (July 1). All incoming students will be automatically billed for their coverage beginning on the first day of classes. Students may enroll eligible dependents in the plan at an additional cost.

Students who have comparable coverage may be eligible to waive enrollment in the Einstein Student Health Insurance Plan. All students must complete a waiver every academic year, during the annual waiver period. Once a student waiver has been approved, the automatic charge will be removed from the student’s finance account. Failure to waive coverage during the annual waiver period will cause the automatic charge to remain on the account for the next academic year.

For information about the Einstein Student Health Insurance Plan, please visit myahpcare.com/ and enter “Albert Einstein College of Medicine”; you will be able to view a plan brochure and request an ID card.