Enroll, Upgrade, or Request a Waiver from the Columbia PlanRequest a Waiver From the Columbia Plan
To request a waiver from automatic enrollment in the Basic level of the Columbia Student Medical Insurance Plan, all students must request a waiver online before the following deadline and provide documentation of alternate coverage under a comparable insurance plan which must meet the eight waiver criteria. All requests are considered but approval is not guaranteed.
|How to Request a Waiver|
September 30, 2013
(new students only)
|February 1, 2014||n/a|
(new trimester students only)
|June 14, 2014||n/a|
If you have not provided sufficient information or if your plan does not meet all of the requirements, you will be contacted by the Columbia Health Insurance Office. You may be asked to provide additional information or be automatically enrolled (and charged for) the Basic level of the Columbia Plan.
Insurance plans offered by carriers not licensed in the U.S. DO NOT meet the University’s waiver criteria #8 (below). If you feel your non-U.S. plan does satisfy all the requirements (including #8) you should be prepared to provide plan documents translated into English with currency amounts converted into U.S. dollars.
Please review your alternate coverage to determine if it meets all of the following criteria:
1. Coverage nationally and overseas for routine, urgent and emergent care for both inpatient and outpatient medical and mental health services. A policy that provides only emergency or urgent care does not meet this requirement.
2. Minimum of $500,000 annual benefit per accident or illness with no per-incident maximums.
3. Plan deductible cannot be more than $2,000 per individual (or $4,000 per family).
4. Coverage extends for entire school year, including summers. Coverage will remain in force while a registered student, including during approved leave of absence for medical reasons and non-degree status at Columbia University.
5. Coverage must be effective no later than September 1 of each academic year (January 21, 2014 for new Spring Term enrollees and May 19, 2014 for new Summer Trimester enrollees).
6. Plan includes coverage for any pre-existing conditions at the time of your enrollment.
7. Coverage for the practice or play of athletics, inpatient hospitalization for both mental health and substance abuse for a minimum of 30 days; outpatient coverage for mental health and substance abuse of at least 20 visits per year.
8. Insurance plan is licensed to do business in the United States, has a U.S.-based claims office and a U.S. telephone number, or a U.S.-based claims agent so local hospitals and providers can contact the carrier to discuss care and bill directly. Foreign state government plans DO NOT meet this requirement.
- Termination of insurance coverage under a partner’s or employer’s beneﬁt plan, or
- Surpassing the maximum age for coverage as a dependent under a parent’s plan.