Important Waiver Information
Any student that is automatically enrolled in the Basic level of Columbia Student Medical Insurance plan may request to waive coverage by the deadline by completing the waiver form online in myTC Portal, http://my.tc.edu. For the 2013 - 2014 academic year, the deadlines to submit waiver requests are Tuesday, September 17, 2013 for continuing and new students entering in the fall and Tuesday, February 4, 2014 for new students entering in the spring.
PLEASE NOTE: A valid waiver request must be submitted each year during the fall semester by the specified deadline to substitute other comparable coverage for the Columbia Student Medical Insurance Plan.
Even if you plan to waive participation in the Columbia Student Medical Insurance Plan because you currently have comparable coverage, you are strongly encouraged to review the coverage your current plan offers and contrast it with the coverage provided by the Columbia Student Medical Insurance Plan, which has been designed specifically for students. For Information about comparing plans and details of benefits and costs see the 2013-2014 brochures and guides.
Waiver Request Submission Deadlines
|Fall 2013||Tuesday, September 17, 2013|
|Spring 2014||Tuesday, February 4, 2014
(new students only)
How to Submit a Waiver Request
The option to enroll in, upgrade, or request a waiver in the Columbia Plan for 2013-2014 is available in the myTC portal. Click here for instructions to enroll, upgrade, or request a waiver. All requests are considered but are not guaranteed approval. All waiver requests must be processed after registration.
Criteria for Comparable Alternate Medical Insurance Coverage
Students interested in requesting a waiver of automatic enrollment in the Columbia Student Medical Insurance Plan must document comparable coverage in another insurance plan.
Insurance plans offered by carriers not licensed in the U.S. DO NOT meet the University's waiver criteria #8 (below). If you feel your non-U.S. plan does satisfy all the requirements (including #8) you should be prepared to provide plan documents translated into English with currency amounts converted into U.S. dollars.
Please review your alternate coverage carefully to determine if it is appropriate. Your alternate coverage must meet at least the following eight criteria to be considered as comparable:
- Coverage nationally and overseas for routine, urgent and emergent care for both inpatient and outpatient medical and mental health services. A policy that provides only emergency or urgent care does not meet this requirement.
- Minimum of $500,000 annual benefit per accident or illness with no per-incident maximums.
- Plan deductible cannot be more than $2000 per individual (or $4000 per family).
- Coverage extends for entire school year, including summers. Coverage will remain in force while a registered student, including during approved leave of absence for medical reasons and non-degree status at Columbia University.
- Coverage must be effective no later than September 1 of each academic year (January 21, 2014 for new Spring Term enrollees).
- Plan includes coverage for any pre-existing conditions at the time of your enrollment.
- Coverage for the practice or play of athletics, inpatient hospitalization for both mental health and substance abuse for a minimum of 30 days; outpatient coverage for mental health and substance abuse of at least 20 visits per year.
- Insurance plan is licensed to do business in the United States, has a U.S. based claims office and a U.S. telephone number, or a U.S. based claims agent so local hospitals and providers can contact the carrier to discuss care and bill directly. Foreign state government plans DO NOT meet this requirement.
Columbia Health Program Fee
The Columbia Health Program Fee is mandatory for all living in TC residence halls and all students registered for 12 or more billable credits in the fall or spring term, regardless of the type of insurance coverage carried. This fee cannot be waived. Enrollment for the Columbia Health Program is on an annual basis and the fees will be applied during the fall and spring semester.