Cornell's Student Health Plan (SHP) is administered by Aetna Student Health, with oversight from Cornell's Student Health Benefits office.
Overview & enrollment
2018-2019 Plan documents
- SHP Overview (pdf) – 2-page fact sheet with basic plan information
- SHP Summary of Benefits and Coverage (pdf) – 7-page chart explaining your SHP benefits
- SHP Certificate of Coverage (pdf) – 118-page document with complete details about SHP
- Print your SHP ID card – please note that your card will not be mailed to you; allow 5-7 days following your enrollment to access your ID card online
- Print your UnitedHealthcare Global ID card (pdf) – for travel assistance in the U.S. and abroad (learn more below)
- Annual: August 1, 2018 – July 31, 2019
- Spring semester only: January 1, 2019 – July 31, 2019 (available only to new spring admits)
2018-2019 Plan Term (August 1, 2018 – July 31, 2019):
- Student: $2,832
- Spouse / Domestic Partner: $2,832
- One Child: $2,832
- Two or More Children: $5,664
Spring 2019 Plan Term (January 1, 2019 – July 31, 2019)
Available only to new spring admits
- Student: $1,652
- Spouse / Domestic Partner: $1,652
- One Child: $1,652
- Two or More Children: $3,304
Learn more about ...
Academic-year students are automatically billed for the entire SHP premium in mid-July, prior to when their SHP coverage begins on August 1. Spring students are automatically billed for the spring-term SHP premium in mid-December, prior to when their SHP coverage begins on January 1.
The SHP premium will appear on students' Bursar bills. See Bursar bill payment options here. Students who wish to pay their SHP premium in installments may contact the Office of the Bursar to set up a payment plan.
Note: If students waive their SHP enrollment after they are billed for SHP, the premium will be reimbursed to their Bursar bill.
If you apply for and receive financial aid from Cornell, your award will be based upon the estimated cost of attendance, which – for 2018-2019 – includes $185 per semester toward "health-related costs."
This covers the student health fee, or – if you enroll in SHP – goes toward the SHP premium. Those who enroll in SHP may request a loan for the difference between the SHP premium and the amount included in your cost of attendance. Please consult the Financial Aid Information for Newly Admitted Students for more information. Note: students enrolled in SHP+ will NOT receive the $185/semester contribution toward health-related costs, since SHP+ costs are covered.
Copays & coverage
Copays at Cornell Health in Ithaca:
- $10 for most medical and mental health visits
Typical copays at other participating ("in-network") providers:
- $25 for routine medical visits (tests and procedures will cost more)
- $50 for urgent care visits (tests and procedures will cost more)
- $10 for mental health visits
Emergency care (any provider):
- $100 copay for emergency room visits
- No copay for medically necessary ambulance transports
Refer to your 6-page Summary of Benefits and Coverage (beginning on page 2) for coverage details for other services, procedures, and tests.
Finding participating providers
Visit Find Participating Providers for details and instructions.
SHP also provides coverage for non-participating providers, usually with a $400 plan year deductible and then a 30% co-insurance.
When using a participating pharmacy, SHP members generally have a $12 copay/prescription for generic drugs, a $40 copay/prescription for preferred brand drugs, and a $60 copay/prescription for non-preferred brand drugs & specialty drugs. When seeing a non-participating provider, members will be responsible for a 30% coinsurance. Refer to your SHP Summary of Benefits and Coverage for details.
Using SHP abroad
SHP provides medical coverage for you when you are outside of the United States. All benefits are available to you at the participating provider care level. Learn more at Using SHP Abroad.
Travel assistance (in the U.S. and abroad)
SHP includes 24/7 worldwide travel assistance through UnitedHealthcare Global. Whenever you're more than 100 miles from your permanent address – in the U.S. or abroad – UnitedHealthcare Global agents are available to help you through a travel-related emergency.
Aetna member resources
Register with Aetna Navigator, Aetna's secure member's portal, for tools and resources to help you manage your benefits and save money. By logging into Aetna Navigator, you can:
- Access plan information and claim Explanation of Benefits (EOB) statements
- Estimate the cost of common health care services and procedures
- Research the price of a drug and learn if there are alternatives
- Take advantage of discount programs and services including: Aetna's Smoking Cessation Program; the Beginning Right Maternity Program; vision services; health and exercise programs and equipment; chiropractic visits; nutrition services; and more
- Print and carry your UnitedHealthcare Global ID card (pdf)
- Refer to the Worldwide Medical & Security Benefits Summary (pdf)
- Pre-trip planning
- Travel assistance services:
- 24/7 emergency travel arrangements
- Translation assistance
- Emergency travel funds assistance
- $1,000 bail bond benefit by international legal representative
- Legal hot line
- Lost travel documents assistance
- Assistance with replacement of credit card/travelers checks
- Operation centers with worldwide response capabilities
- Hospital deposit arrangements
Get assistance (24/7):
Your tax filing form
In accordance with the Affordable Care Act (ACA), each year our office submits a completed 1095-B form to the Internal Revenue Service (IRS) on behalf of all students enrolled in a Cornell student health plan during the previous calendar year.
This reporting requirement verifies that plan members had insurance that provides minimum essential coverage. (The ACA requires that everyone have minimum essential coverage, or qualify for an exemption, or you may be required to make a payment on your federal income tax return.)
Each spring, we will also send you a copy of your completed 1095-B form in the mail for your tax records. The 1095-B may be necessary to complete your tax return. However, you do not need to submit the 1095-B form itself with your tax return.
When you receive the form, be sure to check to make sure the information is correct. If you have any questions or you see a correction that needs to be made, please contact us. If the information is correct, you may file the form away with your other tax records.
Your form will be mailed to your permanent (home) address on file with the university, unless you request otherwise.
You may receive a 1095-B at your local address on file with the university. However, the form may not be applicable to your situation. If you have any questions, please consult a tax adviser, or contact us for further assistance.
Updating your address:
If you need to update your permanent and/or local address, please do so in Student Center.
If you have any questions about this requirement or your 1095-B form, please contact us. We are here to help.