About the Columbia Insurance Plan

Open Enrollment for the 2015-16 plan year (coverage from August 15, 2015- August 14, 2016)Log on to Student Services Online (SSOL) to enroll, upgrade or request a waiver from the Columbia Student Health Insurance Plan.

Insurance Information Sessions will be offered in August on Tuesdays and Thursdays. All Students, including international students unfamiliar with U.S. Healthcare, are encouraged to attend to learn about the Student Insurance Plans offered and have their questions answered. 

Sessions will be held in the Alfred Lerner Hall, Counseling and Psychological Conference room on the 8th floor. No RSVP is required:

Tuesday's at 12:00 to 1:00 on August 4th.11th, 18th & 25th                                                                                                                                                                            Thursday's at 2:00 to 3:00 on August 6th, 13th, 20th & 27th

 
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.  

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 view the Master policy issued to Columbia, available at the Columbia Health Insurance Office, or you may contact Aetna Student Health at (800) 859-8471.

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.
Benefits grid comparison for the Gold and Platinum plans.

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

How to use the interactive brochure

You may navigate to specific selections of the Detailed Brochure by using the "Bookmark Pane" or the "Table of Contents." The latest version of Adobe Reader® is needed to view the brochure.
 

Gold Level of the 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

  • $150 In-Network Deductible
  • 20% Coinsurance after Deductible
  • $40 Office Copay
  • $100 Emergency Room Copay
  • $20 Mental Health Copay
  • $20/$50/$75 Prescription Copays
  • $5,000 In-Network Annual Out-of-Pocket Maximum

Platinum Level of the Plan

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

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

Platinum Plan - Highlights

  • No In-Network Deductible
  • No Coinsurance on most services
  • $20 Office Copay
  • $100 Emergency Room Copay
  • $20 Mental Health Copay
  • $10/$35/$50 Prescription Copays
  • $3,000 In-Network Annual Out-of-Pocket Maximum

Plan Premiums

 
Coverage premiums are for the Morningside campus Columbia Student Health Insurance Plan, student rates only:
 
 Fall
(Aug. 15 - Dec 31, 2015)
Spring/
Summer
(Jan. 1, 2016 - Aug. 14, 2016)
Total Annual Premium
(Aug 15, 2015 - Aug. 14, 2016)
Gold Level$1,057$1,726$2,783
Platinum Level$1,539$2,510$4,049

 
 Summer*
(June 1 - Aug. 14, 2016)
Gold Level$575
Platinum Level$839

*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 you should contact On Call International collect at (603) 328-1956 to coordinate services. On Call is a travel assistance program. 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 50 miles or more away from the Columbia Morningside Medical Services does not require a referral in advance of service.

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 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 Reasonable Charge allowance 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, interactive brochure is available at Aetna Student Health.

How to use the interactive brochure

You may navigate to specific selections of the Detailed Brochure by using the "Bookmark Pane" or the "Table of Contents." The latest version of Adobe Reader® is needed to view the brochure

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 Reasonable Charge allowance 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.

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 an insurance ID card by actively confirming enrollment in the Gold level of the Columbia Student Health Insurance Plan or by upgrading coverage to the Platinum level of the Plan prior to the specified deadline. After an online selection has been entered, a card is normally issued within 14 days of registering for classes.

Prior to receiving an insurance ID card, some services are available to students enrolled in the Columbia Plan. 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, will no longer be eligible to request a waiver from the Columbia Plan. The student's account will be charged for the applicable premium.

A temporary insurance ID card is available by accessing the Aetna Student Health website.

Insurance Brochures

Note: If you require disability accommodations to access these materials, please contact studentinsurance@columbia.edu.

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Last updated July 14, 2015