Waive Your SHP Enrollment

2021-2022 waiver process

2021-2022 returning students may submit a waiver application or confirm enrollment between June 1 and July 31.

New fall 2021 students may submit a waiver application or confirm enrollment between July 1 and July 31.

New for 2021 - 2022!

All students enrolled in a full-time residential Cornell program are required to confirm enrollment in SHP or submit a waiverStudents that do not take action to confirm enrollment or receive an approved waiver will be auto-enrolled in SHP.

Fall submitted waiver information will be re-run in January to check for active coverage.

  • If the coverage is no longer active, the student will be enrolled in SHP as of January 1.
  • If the coverage has changed, there will be an opportunity to submit the new coverage information.

About the annual waiver process

Automatic SHP enrollment: Each year, students enrolled in a full-time residential Cornell program are automatically enrolled in Cornell's Student Health Plan (SHP) as part of university policy requiring all students to have quality health insurance. (Exception: Some students may be eligible for SHP+). If a student does not have an approved waiver, the student will be automatically enrolled in SHP.

Waiving SHP: Eligible students who have alternate health insurance that meets Cornell's requirements may apply to waive their SHP enrollment. The waiver applies to the current academic year, and students who retain their own insurance must submit a waiver application annually.

Log in to Gallagher Student Health to confirm your enrollment or submit a waiver.

Fall Semester Waiver Dates

 

Returning Students
Open Waiver 

New Fall Students
Open Waiver 

All Students 
Late Waiver ($100 fee)

All Students 
Cancellation ($150 fee)

 

Start    June 1 July 1 August 1 September 1
End July 31 July 31 August 31  

 

Spring Semester Waiver Dates

 

Returning Students
Fall Waiver re-run

New Students
Open Waiver
New Students
Late Waiver ($100 fee)
New Students
Cancellation
($150 fee)
Start    January 1 December 1 January 1 February 1
End January 31 December 31 January 31  

Disclaimer:  Waiver start and end dates may change in accordance to University policy.

Before submitting a waiver application

  1. Confirm that your health insurance meets Cornell's requirements (non-New York state-based HMOs not accepted).

  2. Understand that waiver applications are not accepted from:
    • International students, who are required to maintain their SHP enrollment (with some exceptions)
    • Fully funded graduate students, who have SHP provided as a benefit of their program
    • Student Health Plan Plus (SHP+) enrollees, who do not need to waive SHP

  3. Make sure your plan compares well with SHP and provides the coverage you want and need (TIP: Compare your plan's Summary of Benefits and Coverage with SHP's Summary of Benefits and Coverage).  Use this SHP checklist to compare your health insurance coverage to Cornell SHP.

After submitting your waiver application

Submission of a waiver does not guarantee approval. Once your waiver is submitted, you must log in to Gallagher Student Health to monitor your waiver status.

Communications regarding your waiver are sent by Gallagher Student Health via Constant Contact. Check your spam or junk folder for communications if you have not received any from Gallagher after submitting your waiver. Only approved waivers will result in a credit for SHP. All other waiver statuses will result in SHP enrollment, and you will be responsible for paying the premium.

Waiver Status Descriptions and Required Actions

Waiver Status Description Action Needed
Submitted You have submitted a waiver. The waiver will be run through an electronic adjudication system to determine if the coverage meets the University's requirements. Monitor your email for responses from Gallagher Student Health.
Pending Information Your waiver could not be evaluated by the electronic system and additional documentation is required to process your waiver.

Monitor your email and log in to Gallagher Student Health to determine what information is needed.

Upload the requested information.

Pending Review Your additional submitted information is being manually reviewed by Gallagher Student Health. Monitor your email and log in to Gallagher Student Health to determine if any additional information is needed.
Approved* Your waiver has been approved. If you were billed for the fall semester of SHP, a credit will be issued. Monitor your bursar bill for SHP billing and credit activity.
Denied The coverage did not meet the University's requirements. (See "Appealing your waiver denial" below if you believe your application was denied erroneously.)

*The University reserves the right to audit approved waivers, and the approval may be rescinded if upon review it is determined the coverage does not meet the University requirements or the student has sponsored funding for SHP (i.e. an assistantship). 

 

Gallagher Student Health will email you if your waiver application is approved. If your application is not approved, you will be enrolled in SHP and will be responsible for paying the premium. (See "Appealing your waiver denial" below if you believe your application was denied erroneously.)

If you have questions about the waiver process or application, you may contact Gallagher Student Health 24/7 at 844-691-4005

Premium refund if you waive after you're billed

Fall students are billed for the fall-semester SHP premium in mid-July. Students starting in January are billed for the spring-semester SHP premium in mid-December. If you waive SHP after you are billed, the premium will be refunded to your Bursar account. 

NOTE: If you use any of your SHP benefits before your waiver application is approved, we will not be able to give you a premium refund for the months your plan was in use. 

In-progress waiver / appeal applications

If your waiver or appeal application is still being processed or is listed as "pending," you are technically still enrolled in SHP. Be sure to review the most recent information you've received about your waiver status and take any action requested. If your waiver is approved, the premium will be refunded to your Bursar account within 5-7 business days.

Appealing a waiver denial

If you believe your plan meets Cornell's requirements and your waiver application was denied in error, please email Gallagher Student Health to begin the appeal process.

Questions?

Please contact Gallagher Student Health (24/7) at 844-691-4005