International Student Insurance Requirement
Navigating the US Health Care System can be complex. To help ensure that our international students have access to the highest quality of care on and off-campus, Teachers College and Columbia University require ALL international students, regardless of credit or visa status, to enroll in Plan 90 of the Columbia Student Health Insurance Plan. The Frequently Asked Questions (FAQs) section below address the nature of this requirement along with information on how to acces care, both on and off campus.
Please take time to read this document carefully and, as always, you are encouraged to contact Insurance & Immunization Records with any questions.
Insurance & Immunization Records
Office of Student Affairs | 155 Thorndike
Teachers College | Columbia University
525 West 120th Street
New York, NY 10027
Frequently Asked Questions (FAQ)s:
Why is enrollment in the plan mandatory for international students?
Many international students have struggled with inadequate health insurance that resulted in catastrophic health outcomes and extraordinary costs, which can lead to lower levels of academic success, and difficulties with retention. The lack of adequate coverage has introduced unexpected barriers to achieving academic and scholarly pursuits.
Despite past efforts of Admissions, Insurance & Immunization Records, and Columbia Health to provide clear information to incoming students, we have found that international students are frequently targeted by companies offering lower rates for supposedly equivalent, but actually sub-standard, plans. Many international students are unfamiliar with the US Health Care System and try to access care using these limited non-Columbia Plans.
This requirement reinforces Columbia’s commitment to protecting the health of the student community through on-site access to high-quality health services and provision of insurance coverage to supplement on-campus resources as necessary.
When does this take effect?
This requirement is effective beginning the 2016-17 academic year. For the 2018-2019 plan year, the plan starts August 15, 2018 and runs through August 14, 2019.
How do I enroll in the required plan?
Upon registering for classes, your myTC e-bill is automatically uipdated/charged for the Columbia Health Fee and the Insurance Premium (billed semesterly). You will receive an email informing you of your enrollment into Plan 90 and information on how to upgrade to Plan 100 level of coverage. Do not ignore this message. Failure to respond prior to the deadline will result in Columbia defaulting you into Plan 90 and you will not have the option to make changes.
Are there any exceptions?
Exceptions may be granted under rare circumstances to international students who are covered by a U.S.-based, employer-sponsored, group health plan (as a primary, spouse, or dependent). Please contact Insurance & Immunization Records for more details. These requests are reviewed on a case by case basis.
Why were international students allowed to waive in the past?
Previously, international students who requested waivers with plans that met the waiver criteria were permitted to waive the Columbia Plan. Audits of these waivers revealed that many of these plans appeared to meet the criteria on the surface, but did not actually fully meet the criteria, thus providing inadequate coverage.
Can I still go to Medical Services or Mental Health Services on campus?
Yes! The Columbia Plan works with the on-campus services. Your care begins on-campus and you will be provided a referral for any off-campus services.
Are there health care providers that speak my language?
Yes! The Aetna network has providers that speak many languages. You can search for a provider that speaks your preferred language using the Doc Find feature on the Aetna Student Health website.
What if I need health care when I am not in New York or am traveling outside the US?
In addition to comprehensive coverage within the United States, the Columbia Plan provides global coverage, giving you access both locally as well as while traveling. This benefit is unique to the Columbia Plan and designed specifically to support our students. We encourage you to learn more about this benefit as well as how the plan will support your health and well-being while studying at Columbia. Contact Insurance & Immunization Records to discuss the specifics of using your coverage outside of New York.
Why are part-time students being subject to this requirement?
Unlike domestic part-time students, international part-time students are often focused solely on their studies and are not working in positions that provide health insurance. As a result, part-time international students are not likely to have the level of coverage that truly supports their potential health needs while at Columbia.
I’m graduating in December. Do I have to pay for the full year?
No. Premiums are billed by semester, so if you finish your course work and/or graduate in December, you will only be charged for the fall term and your coverage will end on December 31, 2018.
Does Teachers College, Columbia University benefit financially from these changes?
No. Teachers College, Columbia University does not keep the health insurance premiums. The University collects the premium and then provides it to Aetna, the insurance provider, on your behalf. We use this system, as it better allows students to pay for health insurance using available financial aid options.
I have more questions. With whom can I speak?
Please contact Insurance & Immunization Records, email is preferred method of communication.