Waiving Coverage

Waiving the Columbia University Student Health Insurance

All full-time domestic students and all international students are enrolled by default in the Columbia University Student Health Insurance Plan, also referred to as The Columbia Plan. 

You must have comparable insurance in order to waive the Columbia University Student Health Insurance. Student Health is unable to review any insurance policies. If you would like to compare your coverage you may review the Compare Your Coverage tool.

For Fall 2020, please review additional waiver criteria based on your waiver/exception criteria before submitting a request:

Waiver Criteria for Domestic Students (Fall 2020)

Domestic Students Residing on Campus or Engaging in On-Campus Academic Activities 

Domestic students living in Columbia University-owned buildings (undergraduate and graduate), as well as students participating in on-campus classes and other academic activities are required to enroll in the Columbia University Student Health Insurance Plan or provide proof of comparable coverage. 

Domestic on campus students should review their alternate coverage to determine whether it meets all of the following criteria:

  1. The plan must meet the requirements of the Affordable Care Act, including coverage for routine, urgent, and emergent care for all of the act’s Essential Health Benefits in New York State. For a description of the act’s Essential Health Benefits, review Compare Your Coverage.
  2. The plan must be licensed to do business in the United States.
  3. The plan must be effective and remain in force for the duration of the schedule noted below.

Domestic Students Engaging Online Only and Not Engaging in On-Campus Academic Activities

Domestic students engaging in only online academic activity should review their alternate coverage to determine whether it meets all of the following criteria:

  1. The plan must meet the requirements of the Affordable Care Act, including coverage for routine, urgent, and emergent care in the area where the student will reside for the fall 2020 term. For a description of the act’s Essential Health Benefits, review Compare Your Coverage.
  2. The plan must be licensed to do business in the United States. 
  3. The plan must be effective and remain in force for the duration of the schedule noted below.

Students must also provide all of the following:

Domestic Students: Submitting a Waiver Request

  • Download form and submit via email to shsinsurance@cumc.columbia.edu no later than September 30, 2020 to be considered for 2020-2021 waiver.
  • Please save your documents with the following format: UNI-Waiver Request
  • If you do not have or know your UNI, please save your documents with the following format: First Name Last Name-Waiver Request.

Students with approved waivers assume full responsibility for medical costs not covered by their health insurance plan.

Exception Criteria for International Students (Fall 2020)

International Students in the US and Students with I-20 Permitting Entry to the US (Regardless of Arrival Date)

On a case-by-case basis, international students may be considered for an exception to the insurance requirement when covered by a US-based group health insurance plan (for example, a US-based, employer-sponsored, ACA-Compliant group plan).

In order to request an exception, an international student must first document they are covered by a plan that meets the one potential criteria described above. Once confirmed the plan is of an eligible category, the plan must then meet all of the Columbia University requirements for onsite domestic students. All exception requests are considered though no approval is guaranteed.

All determinations regarding exemptions are made by Insurance and Administration at CUIMC Student Health on Haven and shall be considered final.

Note: Some programs whose students are considered short term visitors to campus may be eligible for an exception to the requirement. Please contact the CUIMC Student Health Insurance Office for more information.

International Students Engaging Online, Not in the US, and Without I-20 for Entry to the US (through 12/31/2020)

On a case-by-case basis, international students may be considered for an exception to the insurance requirement when they can document they will remain in their home country and will not be in the US during the full duration of the fall 2020 term (through 12/31/2020).

International Students: Submitting an Exception Request

  • Download form and submit via email to shsinsurance@cumc.columbia.edu no later than September 30, 2020 to be considered for 2020-2021 waiver.
  • Please save your documents with the following format: UNI-Waiver Exception Request
  • If you do not have or know your UNI, please save your documents with the following format: First Name Last Name-Waiver Exception.

Students with approved waivers assume full responsibility for medical costs not covered by their health insurance plan.

Enrollment Schedule

New Students

 

​New Fall Admits: August 15, 2019 – August 14, 2020

New Spring Admits: January 1, 2020 - August 14, 2020

New Summer Admits: May 15, 2020 – August 14, 202

 

Continuing Students

August 15, 2019 – August 14, 2020

Graduating Students

August 15, 2019 – last day of the month in the last academic term in which you are a registered student 

*Qualifying life change events, such as aging out of a parent’s plan, are the exclusion to the above-listed schedule.

Waiving the Student Health and Related Services Fee (HRSF) for Employees

Employees of Columbia University who receive university benefits may waive by completing the Student Health and Related Services Fee Waiver Form.

  • All waivers and exceptions submitted will be reviewed for the Fall 2020 term only.  Guidance regarding Spring 2021 will be announced later this year.
  • Student Health and Related Services Fee (HRSF) waivers are completed manually during the waiving schedule detailed above.
  • Fees are removed and within 24-48 hours a credit is posted to your SSOL account.