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������ requires that all full-time students have health insurance that provides adequate coverage in the Hamilton, N.Y. area. This requirement is fulfilled in one of two ways:

1. Enrolling in ������’s Student Health Insurance Plan (SHIP). (Students who reside outside of the United States are automatically enrolled in the ������ plan*.)
2. Waiving out of the ������ student health insurance plan by demonstrating comparable or better family or individual plan coverage (domestic students only*).

*Students who reside outside of the United States are automatically enrolled in the ������ plan. There is no option to waive out of the ������ plan utilizing international health insurance plans. Further health information for international students can be found here.

The coverage period of your health insurance plan must be from August 1 to July 31 each academic year, and must provide “in-network” coverage within a 50-mile radius of Hamilton, NY. Sufficient and confirmed coverage is essential for any health care services that may be required beyond what is available/provided by ������’s Student Health Services.

If you intend to submit a waiver out of the ������ plan, we strongly encourage you to carefully check the details of your personal insurance plan to ensure it will provide coverage in the Hamilton, New York area. Not all insurance policies cover students outside their local “network” area. In particular, state-based Medicaid does not cover students outside their state of residence. Such coverages will not be approved for waiver.

Each academic year (even if your insurance coverage remains unchanged), ������ requires all domestic* students to complete an insurance decision form by August 1 choosing one of two options.

1. Confirm enrollment in Student Health Insurance Plan (SHIP). This option will officially activate your insurance with SHIP. Please allow 7 to 10 days for activation.
2. Waive enrollment in the SHIP plan by submitting proof of comparable coverage through another carrier (domestic students only*). ������ will record personal coverage details as part of the student’s electronic health record.

The annual enroll/waive decision process is administered by ������’s health insurance broker Haylor, Freyer & Coon (Haylor). The enroll/waive decision form, as well as additional information on the plan, is available on the . The enroll/waive form is available each academic year starting this first week of June, with a completion deadline of August 1.

If no action is taken by August 1, students are automatically enrolled in the ������ plan for the academic year, and responsible for the annual premium charged to the ������ student account. We strongly recommend actively enrolling for more streamlined and timely confirmation of enrollment and service.

*Students who reside outside of the United States are automatically enrolled in the ������ plan. There is no option to waive out of the ������ plan utilizing international health insurance plans. Further health information for international students can be found here.

For questions or assistance on the enroll/waive decision process, please contact Haylor (student@haylor.com, 866-535-0456) or Colgate’s Office of Student Accounts (stuaccounts@colgate.edu, 315-228-4817).

The ������ Student Health Plan provides coverage for a full calendar year (from August 1 to July 31) and is not limited to services in the Hamilton, NY area.

The ������ plan carrier is Student Health Insurance Plan (SHIP).

SHIP Plan Features

• An unlimited policy year maximum
• Low annual deductibles
• In-Network services generally covered at a 90% preferred allowance
• In-Network Physician Office Visits covered at 100% after a $15 copay
• Students will be able to locate in-network providers whether, at home, school, or throughout the country through the
• Access to online behavioral health support
• Prescription drug coverage with low copayments
• Coordination with ������ Student Health Services
• Worldwide Coverage including medical evacuation, repatriation & travel assistance services

SHIP Plan Details

Please view the Frequently Asked Questions and Plan Highlights sections of the .

Annual Premium

All students are automatically assessed the fee for the SHIP annual health insurance premium during the fall semester billing in July. If a waiver from the plan is completed, and approved, the SHIP charge will be reversed from your student account. (If the waiver is processed prior to fall term billing, the charge and reversal activity will not appear on the student account).

������ Plan Administrator

(Haylor), is ������’s partner to administer student enrollment in or waiver out of the ������ plan.

300 South State Street, Suite 1000
Syracuse, NY 13202

Phone: 866-535-0456

Email: student@haylor.com

Website:

������ does not offer a student dental insurance plan. Students interested in dental coverage may utilize to consider dental coverage options.

For specific questions or guidance with selecting a plan, please contact Guardian Direct at 866-569-9900.

Students wishing to make changes in their insurance coverage during the academic year should contact the student accounts office at 315-228-4817.

Unfortunately, with the overwhelming number of different insurance carriers and plans represented by our geographically diverse student body, we are unable to directly bill insurance companies for services offered through Student Health Services. However, in those circumstances where services are provided that result in an additional charge, students have the option to pay for the services and receive a written receipt that may be provided to their insurance carrier for reimbursement.

Claim forms are available at the Student Health Services or may be filed from the broker's website listed above. Insurance claims cannot be processed online.

Website: