Request a Waiver
All full-time domestic students and all international students are mandatorily enrolled in The 90 Plan (Columbia University Student Health Insurance). Domestic full-time students may request a waiver from enrollment by submitting a request online before the open enrollment deadline. All requests are considered but approval is not guaranteed. International students are not permitted to waive the Columbia Plan unless covered by a US-based, Affordable Care Act-compliant, employer-sponsored plan that meets all of the waiver criteria below.
Students may be asked to provide documentation of alternate coverage under a comparable plan. All requests are considered on a case-by-case basis and approval is not guaranteed.
Students should review their alternate coverage to determine whether it meets all of the following criteria:
- 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, read Compare Your Coverage.
- The plan must be licensed to do business in the United States.
- The plan must be effective and remain in force for the duration of the following schedule:
- Fall admits: August 15, 2018 to August 14, 2019
- Spring admits: January 1, 2019 to August 14, 2019
- Summer admits: May 15, 2019 to August 14, 2019
- August 15, 2018 to August 14, 2019
- August 15, 2018, the last day of the month in the last academic term in which the student is registered
Any student with active Medicaid coverage may request a waiver of the University insurance requirement. Waiver requests from students with New York State Medicaid will generally be approved. Requests from students with Medicaid coverage from outside New York State are typically denied, as these plans may not provide coverage outside of their state of residence. All waiver requests are submitted online and evaluated on an individual basis.
When making waiver decisions, all Medicaid-covered students should consider the gaps in coverage they may experience while attending the University; for instance, travel abroad or anywhere outside their Medicaid state may not be included.
New York State Medicaid-covered students may not be covered while outside of New York. In addition, referral options for students enrolled in Medicaid plans needing specialist’s care off-campus may be limited.
Students with Medicaid who are interested in the Columbia University Student Health Insurance Plan may wish to address concerns about cost with their school financial aid office.
Every student’s policy coverage must meet the waiver requirements outlined by the University. Plans that do not meet these criteria are not considered adequate coverage and will not be accepted. Requirements are established to minimize a student’s risk of incurring exorbitant medical costs. Students accept full financial responsibility for hospital, laboratory, physician, diagnostic testing, and other medical costs not covered by their insurance.
Charges on Your Student Account Statement
A charge for the fall term of the Columbia University Student Health Insurance Plan may appear on the first student account statement, even if the student has requested a waiver. These charges will be removed if the request is approved within 10 business days of submitting the request.
Health insurance benefits can vary from plan to plan. As domestic students consider either using the Columbia University Student Health Insurance Plan or enrolling in an alternate insurance plan, here are a few points to consider before making a decision:
- Does the alternate insurance plan meet University criteria for comparable insurance coverage?
- Will you age out of an insurance plan carried by parents or legal guardians?
- What costs are involved in extending coverage provided through a previous employer, such as COBRA? Compare these with the premiums for the Columbia University Student Health Insurance Plan.
A student unsure about how an alternate plan compares to the Columbia University Student Health Insurance Plan should contact their insurance carrier for details about available benefits, including access to in-network providers in New York City, cost of in- and out-of-network providers, cost of lab examinations, prescription medication benefits, and any other frequently used benefits.
The Columbia University Student Health Insurance Plan provides coverage for a broad range of healthcare needs, both while students are in the United States and abroad:
- Benefits are designed to complement services available on-campus.
- An on-campus clinician serves as a student’s primary care provider (with no co-pay).
- Access to services is streamlined and paperwork is limited.
- Students pay a copay for visits with consulting providers off-campus (when referred by an on-campus clinician) and for prescription medications.
- The plan offers access to the nationwide Aetna network of specialists, representing clinicians in most areas of medical specialty. This can be of particular benefit while traveling or living away from campus.
- Benefits are included for emergency assistance while traveling outside the United States.
- The plan covers an academic year, starting August 15, 2018 and ending August 14, 2019.
It is important to know that the Columbia Student Health Insurance Plan meets and exceeds the requirements for the following:
- Health Insurance Portability and Accountability Act (HIPAA)
- U.S. Department of State Exchange Visitor Program for International Students & Scholars
- Affordable Care Act (ACA)
- New York State Department of Insurance