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Healthcare: Student Insurance and the Health Center
 
Insurance
     All international students registering at Colgate University are required to have health insurance. It is extremely important for the following reasons:
  • Health care in the U.S. is extremely expensive;
  • Many hospitals will not admit you without proof of insurance or cash;
  • The cost of coverage compared to the benefits, if needed, is a comparably small investment.
The University Health Insurance
     Colgate University offers a limited benefit health insurance plan designed specifically for its students. The cost for coverage for the 2003-2004 academic year, is $441.00 per year, billed in two equal installments of $220.50 with tuition billing.

Health Insurance Terms:

Benefits: Benefits mean the amount of money/services the insurance company will provide for each sickness/injury. This sum may be divided into separate categories, e.g., hospitalization, surgical, emergency, and laboratory.

Coverage: The amount available to meet debts incurred by accident or sickness is the amount of coverage. Some policies pay the whole amount up to a certain figure, then a percentage of any amounts above that.
     Some policies allow you to have more coverage at additional expense. Examples of this include maternity benefits and accidental death insurance.

Deductible: The deductible amount is the amount the insured person must pay before the insurance company begins to pay for expenses.

Dental Benefits: Most companies will only pay for dental work that is needed as a result of an accident. Dental maintenance is very expensive in the U.S and most companies will not pay for it.

Exclusions: Exclusions are the conditions that the insurance company places on its coverage. A common exclusion is that the company will not cover pre-existing conditions.

Fee for Services: The U.S. system is based on payment at the time of treatment (fee for service). Unlike other systems, you are expected to provide proof of insurance or payment at the time you are treated. Keep your insurance card with you at all times.

Group Insurance: Group insurance is a plan in which you enter into a collective insurance agreement. Generally, group insurance plans cover preventive medicine as well as post accident and illness treatment.

Pre-existing Condition: Pre-existing condition is an injury or illness that occurred before you enrolled in the insurance plan, but still requires medical attention. Diseases which are common in your country, and for which you have been treated, will be considered pre-existing and will not be covered by the University insurance.

Policy: The policy is a formal statement of coverage, benefits, and exclusions provided by the insurance company to the insured.

Premium: The premium is the monthly, quarterly, or annual payment the insured pays to the insurance company that assures continued coverage.

Student Health Center
     Colgate University's Main Health Center cares for all medical illnesses, injuries, gynecological care and sexuality counseling. Appointments are not usually necessary, except for gynecological care, STD counseling and testing and consultations. The "Walk-In" Satellite Clinic situated in the basement of Curtis Hall treats minor injuries and illnesses.
     There is no charge for visits to the Main Health Center or Satellite Clinic. Medications for most illnesses are provided free of charge. There are nominal charges for long-term medications, and occasionally prescriptions are dispensed. Charges for services not provided by the Health Center are the student's responsibility, and may be submitted to his/her insurance company. These would include: Emergency Room visits, X-ray and Laboratory tests, referrals to specialists, or visits to dentists and optometrists.
     The New York State Public Health Law requires that all students born after December 31, 1956 who are enrolled in New York State Public or Private Schools be adequately immunized. The Law also requires the University to collect the information. You are legally required to provide this information and to get the necessary immunizations, or you will be DENIED enrollment. If you qualify for a medical or religious exemption, please submit the appropriate documentation. The required immunizations include a tetanus-diphtheria booster within the last ten years, two measles immunizations, both given after one year of age, at least one rubella immunization given after one year of age, at least one mumps immunization given after one year of age, the completion of polio immunizations and a tuberculosis skin test within the past year.

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