The following requirements apply to new spring 2019 admits and other students participating in the Student Health Plan (SHP) waiver process for spring 2019. 

Cornell's 2018–2019 health insurance requirements  

All full-time registered students must have health insurance that:

  • is provided by a company licensed to do business in the United States, with a U.S. claims payment office and a U.S. phone number
  • has unlimited annual and lifetime benefits (i.e., no policy maximum)
  • will be in force for the duration of the academic year, or until their program ends
  • provides coverage for health care where the student is attending school (Ithaca or elsewhere) at a reimbursement rate of at least 60% of U.S. based "reasonable and customary" charges. Coverage must include:
    • Inpatient Care- Emergency Care
    • Urgent Care
    • Specialty Care
    • Diagnostic Imaging and Testing
    • Outpatient Mental Health Care
    • Cayuga Medical Center (CMC) as a participating provider* for students studying in Ithaca. (CMC is Ithaca's only hospital; see insurance plans that CMC participates with.)
      *Exceptions to this requirement will only be made for students who will be off-campus for the year or for plans with Out of Network reimbursement rates of at least 70% of U.S. based “reasonable and customary” charges at Cayuga Medical Center.

Please note that ...

  • The university's health insurance requirements are subject to change each academic year.
  • Cornell's Student Health Benefits Advisory Committee (SHBAC) determines the criteria on the basis of their ongoing, careful review of the health care needs and experiences of Cornell students; the ways various health insurance plans work and don't work on Cornell's Ithaca campus, in the Ithaca area, in New York City, and elsewhere in the United States and abroad; and local and national health insurance trends and options.
  • The SHBAC strongly urges ALL students to consider the benefits of Cornell's Student Health Plan (SHP) as they make plans for the coming year.