Skidmore College Student Health Insurance

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2014-2015 Skidmore College Student Health Insurance

As a college student, you know the importance of having access to the health care you need – when and where you need it. Your ideal health plan? One that offers reliable, affordable health coverage you can trust. CDPHP knows. That’s why we have been the carrier of choice for local colleges. And we’re pleased to have you on board!

Learn more about your Student Health Insurance Plan here.

CDPHP is dedicated to providing comprehensive, easy-to-use health coverage to Skidmore College students. The college requires all full-time students to maintain health insurance coverage for inpatient care, outpatient services, prescription medicine, mental health, as well as catastrophic illness and injury. Students may satisfy these insurance requirements through private or employer sponsored plans that meet certain minimum criteria.

Enroll for Coverage

As a college student, you know the importance of having access to the health care you need – when and where you need it. Your ideal health plan? One that offers reliable, affordable health coverage you can trust. CDPHP knows. That’s why we have been the carrier of choice for local colleges for many years. And we’re pleased to have you on board!

Skidmore College is allowing a second open enrollment period until February 15, 2015. If you did not enroll on the 2014-2015 student plan during the initial period, please click on the enrollment link to do so now. Should you have any questions or concerns, please contact Cindy Hurley, Financial Services Bursar, at (518)580-5752. Thank you.

Using Your CDPHP Student Health Insurance Plan

We’ve made it easy to use your CDPHP student health plan. To help you out, we’ve compiled some of the most commonly asked questions by students:

What are the dates of my coverage and how much does the plan cost?

 

Annual

Spring

Coverage Period

9/1/14 - 8/31/15

1/15/15 - 8/31/15

Waiver Deadline

8/1/14

2/16/15

Student

$1,417

$854

Spouse/Domestic Partner

$2,126

$1,281

Child(ren)

$2,126

$1,281

I need to see a doctor. How do I get started?
If you’re ill or have been hurt, your first course of action is to go to Skidmore College Health Services. If Health Services is closed or you are out of the area you can locate a doctor at CDPHP Find-A-Doc or through the My CDPHP Mobile app.

I don’t have my CDPHP ID card yet. Can I still get care?
Yes! If you have not yet received your CDPHP ID card, you can retrieve your temporary ID card here.

What services are available to me at Skidmore Health Services?
Skidmore College Health Services provides a wide range of primary health care services. Services include, but are not limited to: care for illness/injury, immunizations, and limited onsite laboratory testing, including rapid mono, rapid strep, fingerstick glucose, fingerstick hemoglobin for anemia, urinalysis, and urine pregnancy testing. Most blood tests, throat cultures, Pap smears, and STI tests will be sent to an outside laboratory. We conduct physical exams for travel abroad, pre-employment, sports reviews, and post-graduate programs. We offer GYN exams, birth control counseling and purchasing; STI testing and treatment; HIV/AIDS counseling and testing; sexual assault/sexual harassment education, smoking cessation information, referrals to outside community specialists, and nutrition counseling.

There is no charge for visits to Health Services, most medications, and some laboratory services.  Students (or their health insurers) are responsible for bills relating to emergency room visits, outside laboratory and X-ray tests, visits to specialists, immunizations, and certain medications.

Please feel free to contact Skidmore College Health Services at (518) 580-5550 or health@skidmore.edu with any questions regarding services provided.

Do I need to get a referral from Health Services before using my insurance plan?

No, a referral from Health Services is no longer necessary prior to obtaining services. There is no longer a deductible when you stay in the CDPHP network.

What if I choose to see a provider that does not participate in CDPHP’s network?

A $200 deductible per policy ($400 per family) applies to services received from a non-network provider. You will also be responsible for a higher coinsurance level.

What is a deductible?

A deductible is the amount for which you are responsible before payment is made by the insurance company. Once you have paid the deductible, whether it’s applied to one service or multiple services, the plan will pay for covered medical expenses as indicated in the plan summary.

What is coinsurance?

Coinsurance is a percentage that you are responsible for on certain health services.

Can I still get my oral contraceptives at Skidmore College Health Services at no charge?
No. Beginning with the policy year, there will be a charge for purchasing your oral contraceptive prescriptions through Skidmore College Health Services.

If you already purchase your oral contraceptives at Health Services you may continue to do so but will be charged accordingly or our providers can write a prescription that can be filled at no charge through one of the many participating pharmacies in the CDPHP network. If you are interested in starting birth control you should make an appointment with a provider at Health Services to discuss a method.

Local participating pharmacies include:

  • CVS Pharmacy  34 Congress Street Saratoga NY, 12866 Phone: (518)587-3098  approx. 1.37 miles from campus

  • Walmart  6 Old Gick Rd, Saratoga Springs, NY 12866  Phone: (518) 581-8035 approx. 2.0 miles from campus

  • Rite Aid   90 West Ave, Saratoga Springs, NY 12866 Phone: (518) 587-0721  approx. 2.1 miles from campus

What happens on school breaks, when I can’t easily access the Student Health Center?
CDPHP has more than 750,000 providers in our national network, so you’re covered nationwide, even when you’re not in the area. To find a full listing of providers and practices in the area you’re in, visit Find-A-Doc online, or download our My CDPHP Mobile app. Under "Select Plan Type," choose National EPO/PPO/HDEPO/HDPPO to find the providers and practices in our network.

What services are available to me away from school and while traveling abroad?
You have the protection of Assist America’s global emergency medical services whenever you are 100 miles (150 kilometers) or more away from home or campus, or in another country. A single phone call is all it takes to put Assist America in motion on your behalf, offering services that include: medical consultation, evaluation, and referral, hospital admission assistance, prescription assistance, legal and interpreter referrals, emergency trauma counseling, critical care monitoring, and more. For more information, visit the Assist America website.

Where can I get more details on my health plan?
For additional details on your health plan, view your benefit summary or health plan contract.

I take medications regularly. Is there a way I can access these medications without leaving campus each time?  
You may want to sign up for the prescription mail service from CDPHP and have your prescriptions delivered directly to you! Get the prescription mail order form here.

I recently paid out-of-pocket for a service that was covered. How do I submit a claim?
Simply download and complete a claim form. You can mail the completed documentation to the address provided on the form.

Discover the CDPHP Difference

CDPHP is more than an insurance plan; it’s a health plan. That’s why we offer our student members access to a variety of value-added extras.

Life Points®
Tuition. Meal plans. Books. College expenses can seem never-ending. So wouldn’t it be nice to get rewarded once in a while? With Life Points, you can earn points worth up to $365 in gift cards each year for simple healthy activities, like getting a flu shot or annual exam.

CDPHP® InMotionSM
Track your fitness activities and achieve your health and wellness goals with this powerful web tool and mobile app.

CafeWellTM
Get social! CafeWell is a social networking site that provides a safe, secure environment for participating in discussions, joining groups, and getting expert health and wellness information.

20% CVS Discount
Get extra savings on commonly used, CVS-brand health products, like ibuprofen, decongestants, contact lens supplies, and more when you use your ExtraCare® Health card that will be mailed to you.

24-hour crisis hotline
College can be stressful. If you have behavioral health concerns, call our 24-hour crisis hotline at 1-888-320-9584, to speak with a live, licensed mental health professional who can connect you to the right resources.

Rx for Less
With Rx for Less, you can get deep discounts on specified generic drugs when purchased at any CVS, Walmart, or Price Chopper.