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51���� 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 51����’s Student Health Insurance Plan (SHIP). (Students who reside outside of the United States are automatically enrolled in the 51���� plan*.)
2. Waiving out of the 51���� 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 51���� plan. There is no option to waive out of the 51���� 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 inpatient and outpatient medical care and mental health care. This coverage must include routine, urgent, and emergent care, 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 51����’s Student Health Services.

If you intend to submit a waiver out of the 51���� 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), 51���� requires all domestic* students to complete an insurance decision form by August 1, choosing one of two options.

1. Confirm enrollment in the 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*). Students need in-network emergency and non-emergency coverage. In-network non-emergency coverage must include primary preventative care, prescriptions, specialty services, etc.
3. 51���� will record personal coverage details as part of the student’s electronic health record.
4.  

The annual enroll/waive decision process is administered by 51����’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.

Waiver criteria (through the Haylor portal):
1. Will your insurance plan be in effect for the entire academic year (or through the completion date of
your academic program?)
2. Does your plan cover inpatient and outpatient medical care and mental health care within 50 miles of
the College/University, including routine, urgent, and emergency care (emergency only coverage does
not satisfy this requirement)
3. Is your plan provided by an insurance company based in the United States?
4. Is your plan compliant with the Affordable Care Act?
 
*We cannot accept out-of-state Medicaid
*We will mandate students to upload a copy of their ID card
*We are verifying waivers

If a student does not submit a waiver by August 1, they are automatically enrolled in the 51���� plan for the academic year. They are responsible for the annual premium charged to the 51���� 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 51���� plan. There is no option to waive out of the 51���� 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 inpatient and outpatient medical care and mental
health care. This coverage must include routine, urgent, and emergent care, 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 51����’s
Student Health Services.
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.

For questions or assistance on the enroll/waive decision process, please contact Haylor (student@haylor.com, 866-535-0456) or 51����’s Office of Student Accounts (stuaccounts@colgate.edu, 315-228-4817).

The 51���� 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 51���� 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 51���� 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).

51���� Plan Administrator

(Haylor), is 51����’s partner to administer student enrollment in or waiver out of the 51���� plan.

300 South State Street, Suite 1000
Syracuse, NY 13202

Phone: 866-535-0456

Email: student@haylor.com

Website:

51���� 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: