Using Your Student Health Plan
Finding Participating Providers
When seeking medical or mental health care anywhere in the United States, you will usually pay less out-of-pocket by seeing an Aetna participating (or "in-network") provider / facility.
Click here to access Aetna’s Directory of Health Care Professionals.
SHP also provides coverage for non-participating providers, usually with a $400 plan year deductible and then a 30% co-insurance. See our summary of benefits for more information.
SHP is a PPO plan and you do not need a referral to see a provider. Some services however do require prior authorization. Please consult the Certificate of Coverage to learn which services require prior authorization. (For an accommodation for this PDF, please contact studentbenefits@cornell.edu.)
Please review the Certificate of Coverage prior to receiving services for details on your benefits and cost share obligation. Covered benefits covered may be subject to cost-sharing (deductible, co-payment, or co-insurance).