About the Columbia Insurance Plan

Log on to Student Services Online (SSOL) to enroll, upgrade or request a waiver from the Columbia Student Health Insurance Plan.

Beginning August 11, 2016 through August 26, 2016, the insurance office will be hosting insurance information sessions for all Columbia students. This is an opportunity for students to ask questions and learn about the 2016-2017 student health insurance plans. Please join us at the dates and times listed below:

  • Tuesday's 11am-12pm (Lerner Hall 8th Floor Conference Room)                   
  • Wednesday's 3pm-4pm (John Jay Hall 3rd Floor Conference Room)
  • Thursday's 11am-12pm (Lerner Hall 8th Floor Conference Room)
  • Friday's 3pm-4pm (John Jay Hall 3rd Floor Conference Room)
 
Students at Teachers College, Union Theological Seminary, Jewish Theological Seminary, or Columbia University Medical Center should contact their schools for health insurance information.
 
The Columbia Student Health Insurance Plan works with Columbia Health to provide consistent, efficient care that complements the programs offered on campus:
  • Medical Services are the primary care providers for students enrolled in the Columbia Student Health Insurance Plan.
  • Clinicians in both Medical Services and Counseling and Psychological Services work closely with Aetna Student Health Claims Administrators, Inc. when necessary to help arrange access to benefits available through the Columbia Plan.
  • A referral by a Medical Services or Counseling and Psychological Services clinician is mandatory when seeking non-emergency off-campus services. If a referral is not obtained prior to seeking care, services will be reimbursed at the out-of-network benefit level and you will have higher out of pocket costs.  

Note: The Columbia Student Health Insurance Plan may not cover all of your health care expenses. The plan excludes coverage for certain services and contains limitations on the amounts it will pay. Please read the Student Health Insurance Plan Brochure carefully before deciding which plan is right for you. While this document will tell you about some of the important features of the Plan, other features may be important to you and some may further limit what the Plan will pay. Aetna compensates Columbia for certain medical services as well as administrative expenses associated with servicing the insurance plan (including certain personnel expenses incurred by the Columbia Health Insurance office). In addition, based on aggregate claims experience, Aetna may issue a refund to Columbia to be applied toward future premiums. For more information, please review the Student Health Insurance Plan Brochure, which you can access online at Aetna Student Health, or you may contact Aetna Student Health at (800) 859-8471 for further assistance.

Benefits - Gold Versus Platinum

The Columbia Student Health Insurance Plan includes benefits for medical and mental health conditions including (but not limited to) chiropractic care, mental health care, prescriptions, travel abroad benefits, vision and dental discounts, and more.
Detailed plan comparison

To review the full benefits covered under the Columbia Plan, a detailed brochure is available at Aetna Student Health.

Gold Plan

The Gold level of the Columbia Student Health Insurance Plan is designed to provide a level of coverage that is adequate for many people attending college or graduate programs. It is appropriate for students who:

  • Do not expect to need health care services frequently
  • Are interested in utilizing a "pay-as-you-go" strategy: participants pay a lower insurance premium at the outset but a higher proportion of the cost of any services that may be utilized

Gold Plan - Highlights (In-Network)

  • $200 Deductible
  • 20% Coinsurance after Deductible
  • $40 Office Copay
  • $125 Emergency Room Copay
  • $60 Urgent Care Center Copay
  • $20 Mental Health Copay
  • $20/$50/$75 Prescription Copays
  • $5,000 In-Network Annual Out-of-Pocket Maximum

Platinum Plan

The Platinum level of the Columbia Student Health Insurance Plan is designed for students who have ongoing health-care needs or may have chronic health conditions. Students will:

  • Pay less in out-of-pocket expenses as services are used
  • Pay a higher insurance premium up front

Platinum Plan - Highlights (In-Network)

  • No Deductible
  • No Coinsurance on most services
  • $20 Office Copay
  • $125 Emergency Room Copay
  • $60 Urgent Care Center Copay
  • $20 Mental Health Copay
  • $10/$35/$50 Prescription Copays
  • $3,000 In-Network Annual Out-of-Pocket Maximum

New for the 2016-17 Plan Year

Gold Plan

  • In-network deductible  -  $200
  • Emergency Room Copay  -  $125
  • Urgent Care Center Copay  -  $60
  • Out-of-Network Deductible  -  $600
  • Out-of-Network Coverage Coinsurance  -  50%
Platinum Plan
  • Emergency Room Copay  -  $125
  • Urgent Care Center Copay  -  $40
  • Out-of-Network Deductible  -  $600

2016-17 Detailed Plan Comparison

2015-16 Detailed plan comparison

Plan Premiums


Coverage premiums are for the Morningside campus Columbia Student Health Insurance Plan, student rates only:
 
 Fall
(Aug. 15 - Dec 31, 2016)
Spring/
Summer
(Jan. 1, 2017 - Aug. 14, 2017)
Total Annual Premium
(Aug 15, 2016 - Aug. 14, 2017)
Gold Level$1,090$1,772$2,862
Platinum Level$1,586$2,578$4,164

 
 Summer*
(May 15 - Aug. 14, 2017)
Gold Level$725
Platinum Level$1,056

*Applies to new summer students only

Coverage While Traveling

Accessing my benefits while I am out of the country

If you have an accident or illness while traveling outside of the United States, or more than 100 miles from campus, you should contact On Call International collect at (603) 328-1956 to coordinate services. On Call is a travel assistance program that will help facilitate your medical services when outside of the US. In order to obtain coverage, all medical services must be provided and arranged through On Call. Please be aware you will need to pay out of pocket for your services, and submit your receipts along with an itemized bill to Aetna Student Health for reimbursement. Reimbursement will not be processed for any services not provided and arranged through On Call.  Reimbursement for medically necessary care is managed by Aetna Student Health. As Aetna does not maintain a network of providers outside the U.S., services are covered at the In-Network rate.

Accessing my benefits while I am traveling within the U.S.

Medical care obtained more than 50 miles away from the Columbia Morningside Medical Services does not require a referral.

The Columbia Student Health Insurance Plan provides access to a provider network throughout the country. It is the student's responsibility to make sure any off-campus provider is a Preferred Provider in the Aetna network to be eligible for the highest level of benefits.

Please note: if you elect to receive care from a Out-of-Network Provider, any charges in excess of the allowed amount and applicable deductible/co-insurance will not be covered and you will be financially responsible.

General Policy Provision

The Columbia Student Health Insurance Plan will always pay benefits in accordance with any applicable New York State Insurance Laws. Any questions regarding this content should be addressed to Aetna Student Health.

To review the full benefits covered under the Columbia Plan, a detailed brochure is available at Aetna Student Health.

Provider Network

You can visit the Aetna Student Health website for a full listing of providers nationwide. Click on "DocFind®", enter your zip code, and indicate that you belong to a "Student Health Plan.”

After obtaining a referral from a Columbia Health provider to see an off-campus clinician, you want to select a In-Network Provider from the Aetna network in order to maximize your savings and reduce out-of-pocket expenses. It is to your advantage to utilize a In-Network Provider because significant savings can be achieved due to their agreement with Aetna regarding rates of payment for their services.

The Columbia Student Health Insurance Plan provides students access to a provider network throughout the country. It is the student's responsibility to make sure any off-campus provider is an In-Network Provider in the Aetna network, to be eligible for the highest level of benefits.

Please note: if you elect to receive care from a Out-of-Network Provider any charges in excess of the allowed amount and applicable deductible/co-insurance will not be covered and you will be financially responsible.

Students can access healthcare while traveling outside the United States. Please refer to Accessing my benefits while I am out of the country for more information.

Please contact Aetna Student Health Claims Administrators, Inc. for more detailed information.

Using the Directory of Providers

Participating providers are independent contractors in private practice and are neither employees nor agents of Aetna Student Health or Columbia University. The availability of any particular provider cannot be guaranteed for referred or in-network benefits and provider network composition is subject to change without notice.

Certain primary care physicians may be affiliated with an Independent Practice Association (IPA), a Physician Medical Group (PMG), an integrated delivery system, or one of other provider groups.

Not every provider listed in the directory will be accepting new patients. Although Aetna has identified providers who were accepting patients as known to Aetna at the time the directory was created, the status of a provider's practice may have changed.

For the most current information, please contact the selected physician or Aetna Student Health at (800) 859-8471.

In the event of a problem with coverage, students should contact Aetna Student Health on how to utilize the complaint and appeal procedure when appropriate. All care and related decisions are the sole responsibility of Participating Providers. Aetna does not provide health care services and, therefore, cannot guarantee any results or outcomes.

Plan IDs

Students can expedite receipt of their insurance ID by actively confirming enrollment in the Gold level of the Columbia Student Health Insurance Plan or by upgrading to the Platinum level of the Plan prior to the specified deadline. After an online selection has been entered, a card is normally available to print by accessing the Aetna Student Health website within 14 business days after registering for classes and being charged tuition. Students wishing to obtain an ID card by mail can contact Aenta Customer Service at (800) 859-8471.

Students can also access their insurance information through the Aetna Mobile app.

Prior to receiving access to print your insurance ID card, healthcare providers may require that students pay for the services and then seek reimbursement from Aetna Student Health (medical claims) or Aetna Pharmacy Management (pharmacy claims).

Please note that students who utilize the Columbia Plan benefits (for prescription coverage, specialist services, etc.) before the enrollment/waiver period has ended, are not eligible to request a waiver from the Columbia Plan. The student's account will be charged for the applicable premium.

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Last updated July 07, 2016