Required Health Insurance
For the 2022-2023 academic year, domestic* students should visit Haylor, Freyer & Coon Inc. to enroll or waive (starting June 1, 2022) and find more information on this year's plan. The deadline to submit the 2022-2023 Colgate University Insurance Decision Form is August 1, 2022.
*Students who do not reside in the United States will automatically be enrolled in the Colgate University insurance plan. There is no option to waive out utilizing international health insurance plans.
All enrolled Colgate students must have medical insurance. Insurance may be obtained through the University, or through your own family or individual policy (domestic students only). Such coverage is essential for any health care services that may be required beyond what is available/provided by Colgate’s Student Health Services.
Prior to enrollment, we strongly encourage you to carefully check the details of your current 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.
Should your current policy not cover services provided in the Hamilton area, you should purchase the Colgate plan, a Student Accident and Sickness Insurance program. The Colgate plan provides coverage for a full calendar year (from August 1st to July 31st) and is not limited to services in the Hamilton area.
- 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 CDPHP Find A Doctor website
- Access to online behavioral health support
- Prescription drug coverage with low copayments
- Coordination with Colgate Student Health Services
- Worldwide Coverage including medical evacuation, repatriation & travel assistance services
300 South State Street, Suite 1000
Syracuse, NY 13202
Domestic students are asked to enroll in or waive out of the Colgate health insurance plan each academic year. If you do not waive out of the plan, you will be enrolled automatically (though we strongly recommend active enrollment for more streamlined and timely confirmation of enrollment and service), and your term student account balance will include the annual health insurance premium. Each summer, please complete the online waiver form, providing information about your existing coverage, which Colgate will record as part of your electronic health record. Waiver Enrollment Form. If you do not reside in the United States, you will be automatically enrolled in the student health insurance policy. No further actions are required.
Colgate does not offer a student dental insurance plan. Students interested in dental coverage may utilize Guardian Direct 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.
All Colgate students must have medical insurance to cover services provided outside the university’s Student Health Services, such as:
- Referrals to specialty providers (orthopedics, dermatology, etc.)
- Lab tests sent to a commercial laboratory
- X-rays and other imaging tests
- Prescription medications
- Urgent care and emergency room visits
For students with insurance coverage provided by a spouse, parent or guardian whose home is outside the Hamilton, New York area, it is very important to check the policy thoroughly for coverage of health care services while “out of network”. If the plan does not cover “out of network” services, we strongly encourage to purchase the Colgate plan.
NOTE: State-based insurance plans such as Medicaid do not provide coverage outside the home state.
Make sure you:
- Know the name of your insurance company
- Have your own insurance card (or a copy) and bring it to every Student Health Services appointment (we will need this information if it becomes necessary to send a lab test out or need to make a referral to a specialist or another community provider.)
- Know the basics of your medical insurance plan, especially regarding any out of network coverage
- Know how to obtain claim forms if needed
Fortunately, most college-age young adults are healthy and we sincerely hope that remains the case while you are at Colgate. However, our medical team sees healthy students every day who have sustained an injury or developed an illness that may require prescription medication, a referral to a local specialist, or even hospitalization. Inadequate insurance can be a barrier to appropriate care while you are away from home. Selecting an effective health insurance plan is an important first step in ensuring your health and well-being while pursuing your studies at Colgate.
Colgate University has an insurance policy in place to assist student-athletes with medical bills associated with injuries and illnesses which are the direct result of official intercollegiate athletic activity. This policy has a $1000.00 deductible and student-athletes and their primary insurance company are responsible for all bills for the first $1000.00 for each and every incident. This deductible is reset for each incident. After the $1000.00 deductible has been met, Colgate Sports Medicine will submit a claim in an attempt to assist with the remaining balances. For additional information, see the university’s Athletic Medical Billing Policies and Procedures.
Medical care at Student Health Services is strictly confidential.
The privacy and confidentiality of your health record are protected by law. Colgate University’s health records are maintained through a secure electronic health records (EHR) system and are completely separate from all other University records. Student Health Services will not release any of your health information without your written permission, except in the following instances:
- In the event of your treatment at Community Memorial Hospital or another hospital or urgent care center, the community provider and Student Health Services will share relevant health information as needed for continuity of care.
- If, in our judgment, releasing information is necessary to protect you or others from a serious threat to health or safety.
- If it is authorized or required by law.
Similarly, Student Health Services does not routinely share information about your care with parents, faculty, or deans without your permission. Health information will be discussed with parents and faculty only at your request and with your written permission.
If you have any concerns about the confidentiality of our services, please speak with one of your healthcare providers.
- Be treated with respect, dignity and consideration without discrimination as to race, color, religion, sex, national origin, ability, sexual orientation, gender identity, gender expression, or veteran status.
- Have all aspects of your care explained to you in understandable terms and any questions answered.
- Discuss treatment options and their effectiveness, possible risks and side effects.
- Participate in decisions about your care and to give your informed consent to any diagnostic procedure.
- Have access to resources for health education regarding wellness/self-care and prevention of illness.
- Be assured of the confidential treatment of disclosures and records and to have the opportunity to approve or refuse the release of such information except when release of specific information is required by law or is necessary to safeguard you or the university community.
- Refuse any medical treatment or procedure and to be informed of the consequences of such a decision.
- Receive information and/or guidance for continuing care to maintain optimal health.
- Receive appropriate referrals to other providers and services.
- An explanation of any financial obligations or charges.
- Discuss concerns about the care you receive.
- Review your medical record with a clinician.
- Refuse to participate in any research project.
- Understand and use these rights.
- Seek medical attention promptly.
- Provide accurate and complete information about your past health history, that of your family, current status, relevant personal habits, and any other information pertinent to the public health of the campus community.
- Inform your care provider of any changes in your health status that could affect your treatment.
- Assist health care providers to compile a complete medical record by authorizing the Student Health Services to obtain necessary medical information from appropriate sources.
- Ask questions and get clarification regarding your condition or any suggested treatment.
- Ask about anything you do not understand.
- Follow the prescribed treatment plan and discuss any desired changes.
- Be considerate of other patients and Student Health Services staff.
- Treat Student Health Services’ staff with courtesy and respect.
- Be prompt for scheduled appointments.
- Cancel appointments if you are unable to keep them.
- Accept financial responsibility for any charges you have incurred.