Insurance FAQ

 

I have my own insurance, when can I waive?

After you have registered full-time you will be allowed to waive during the open enrollment period each year, 8/1-9/30, pending proof of comparable coverage.

My program begins in the spring, when can I waive?

After you have registered full-time you will be allowed to waive during the open enrollment period, 1/1-2/15, pending proof of comparable coverage.

Please note: You will be required to repeat your waiver online in the fall.

My program begins in June, when can I waive?

After you have registered full-time you will be allowed to waive during the open enrollment period, 6/1-6/30, pending proof of comparable coverage.

Please note: You will be required to repeat your waiver online in the fall.

If I have a spouse, domestic partner, and/or dependent child, how can I enroll them?

You may enroll any spouse, domestic partner, and/or dependent child during the open enrollment period, 8/1-9/30, by completing the Dependent Enrollment Form. Please note dependents are not renewed automatically; you must re-enroll each fall.

My child dependent is under the age of 18. Do they have to come to the Student Health Service clinic?

No, Student Health on Haven does not see any children under the age of 18. Children are allowed to go directly to their pediatrician. To maximize benefits, please ensure the pediatrician is in-network. You may verify if a doctor or hospital is in-network by using the Aetna Directory for Health Care Professionals.

I'm a half-time/part-time student but would like to purchase coverage.

Half-time and part-time students are not required to enroll in the Columbia University Student Health Insurance Plan or pay the Health and Related Services Fee (HRSF). If you are interested in enrolling you may do so during the open enrollment period, 8/1-9/30, by completing the Part-Time Student Enrollment & Approved Leave Application. You may enroll in just the the Columbia University Student Health Insurance Plan, pay the HRSF to access Student Health on Haven services, or both.

I'm a half-time or part-time nursing student, why am I being charged the SHS fee?

The School of Nursing mandates that all clinical students enroll in the Columbia University Student Health Insurance Plan regardless of whether they are full-time or half/part-time. If you will not be in a clinical rotation you may obtain a waiver from Dr. Judy Honig and return it to the Insurance Office so the fee may be adjusted.

I graduate in February, when does my coverage end?

Once you have completed your course of study and are no longer registered as a student, you are no longer eligible for insurance coverage. Your insurance coverage with Columbia University will end as of December 31st at the end of the Fall semester. We do not offer COBRA as we are not an employer-based plan.

I graduate in May, when does my coverage end?

Your insurance coverage will end at the end of the policy year, August 14th. We do not offer COBRA as we are not an employer-based plan.

Does the Columbia University Student Health Insurance Plan cover me outside of New York?

Yes, the Columbia University Student Health Insurance Plan covers you nationally and internationally. Please refer to Aetna's referral requirements for access to care while outside of New York.

Why is the Columbia University Student Health Insurance Plan fee more expensive in the spring semester?

The Columbia University Student Health Insurance Plan fee is more for the spring semester because we bill 7.5 months of the premium which runs through the summer. In the fall we bill 4.5 months of the premium.

I work for Columbia University or NewYork-Presbyterian Hospital. Do I have to pay the HRSF fee?

No, if you are an employee of the university or hospital and have employee benefits then you may complete the HSRF Employee Waiver form to waive the fee.

How do I contact you if I have a complaint, comment, or would like to share a pleasant experience at the Student Health Service?

  • You may complete the Patient Feedback form.
  • You may write a suggestion and leave it in one of our suggestion boxes located in the clinic and administrative offices.
  • You may email shs_feedback@cumc.columbia.edu.

How do I download an insurance card?

Follow the instructions at Aetna's support site.

If I received a claim or bill from a doctor's office, what do I do?

  • Do NOT ignore the bill.
  • Determine whether it is a bill, a statement of charges sent to your insurance company (explanation of benefits), or a claim.
  • Does the billing provider have your insurance information? Usually, there is a space on the back of the claim to provide this information or a number you can call for clarification.
  • If you have the Columbia University Student Health Insurance Plan, and you have questions about a claim or a denial, call the Customer Service number, 800-859-8471. Be sure to get the name of the representative who assists you.
  • If your claim was denied, did you have the required referral? Please note that referrals cannot be backdated and must be renewed each policy year.

For billing/reimbursement problems that persist after you have followed these steps, please contact the Student Health Insurance and Adminstration at 212-305-3400 or shsinsurance@cumc.columbia.edu.

How to I get reimbursed?

There are two types of reimbursement – a reimbursement from the Columbia University Student Health Insurance Plan, and a reimbursement for the HRSF.

  1. Columbia University Student Health Insurance Plan reimbursements are given to students who have met the deductible for out of network services and paid for additional services out of pocket, or for students who received services overseas. Review Aetna's Medical Claims and Prescription Drug Claims. 
  2. SHS reimbursements are given to students who receive a required immunization for a documented, school-sponsored trip that was not available at the SHS. Please complete the Student Reimbursement Form and submit to Student Health on Haven Insurance and Adminstration.

Please note reimbursement payments are sent via check and may take 2-4 weeks to process.

Can I enroll in the Columbia University Student Health Insurance Plan without enrolling in services with Student Health on Haven?

No, Student Health on Haven and the Columbia University Insurance Plan work together to provide care to our students. The one exception is for students who are more than 50 miles away from CUIMC and not taking classes, may waive the Health and Related Services Fee (HRSF) and enroll in the Columbia University Student Health Insurance Plan only.