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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

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).

Aetna App & Member Resources

Get more information about using SHP...

When Picking up Prescriptions

For Telemedicine Appointments

At Cornell Health in Ithaca

During Study Abroad

While Studying In Absentia

For COVID-19 Testing and Treatment

For Gym Reimbursement