<p>i have my own private health insurance, but apparently, its does not cover Ithaca. i tried to fill out the waiver but it wont get through. do i have to get the school insurance in that case? because i really dont want to pay double.</p>
<p>You have to get the school's if you're not covered in Ithaca.</p>
<p>If your waiver is not approved they will automatically charge you for the insurance. You can request a budget increase (in the form of a loan or work study) to cover it if you can't pay right away.</p>
<p>What type of coverage do you have? Is there an in network/out of network provision? Most American issued coverage, except for very restrictive HMO plans have provisions to cover a person away from the main coverage area. </p>
<p>Often it is not as good as the plan design for the area of origin, but paying a little more out of pocket is far better than paying it all should something happen.</p>
<p>Who is your insurance carrier?</p>
<p>center care...</p>
<p>just lie on the waiver and say the company covers Ithaca...chances are Cornell won't check.</p>
<p>Ummm.... I don't know if it would be such a good idea to lie. The chances are, you'll probably end up going to the hospital some time during your 4 years in Ithaca.
Over the past 12 months I've had to go to the hostpital a few times because of a fractured ankle and a random allergic reaction (which I didn't know I had). Things like this crop up every now and again, even to the healthiest individual.</p>
<p>I've never been to the hospital in my life and I'm 19</p>
<p>I didn't want to jump in and be the adult here ... but I'm going to be the adult here. The minor risk is that someone without health insurance will not be able to visit Gannett to take care of the persistent runny nose, cough, fever, headache, etc. before it blows up into something bigger. The real risk is that if you ever did have to go to the hospital for pneumonia, bronchitis, a broken toe, an ultrasound/CT scan, etc., your bill will likely be thousands of dollars. If you do not have health insurance that is valid in Ithaca, you will have to foot that bill yourself. If you can't pay, the bill will go to a collection agency that will hunt you down and perhaps destroy your credit (which can later affect your ability to obtain and receive student loans). In my opinion, you can't predict the future, and it's not a risk worth taking.</p>
<p>i live 2 hours away from ithaca. i could always go home and get it checked... unless its an emergency, in which case i dont need an insurance.</p>
<p>I say lie, or see if Cornell will cover the cost with grants and not loans. I hope you don't take my advice and then break your leg lol.</p>
<p>Why wouldn't you need insurance in an emergency?</p>
<p>"i live 2 hours away from ithaca. i could always go home and get it checked... unless its an emergency, in which case i dont need an insurance"</p>
<p>Yes, it makes sense to go home and do your routine medical needs. That's just common sense. However, unless you are dirt poor (not even able to afford college, even with aid) what the heck are you taking about emergency and not needing coverage? Dumb.</p>
<p>Emergency will treat you, yes they will. They will also bill you and bill you and bill you....FULL PRICE. While at the momment the thought of getting away with something sounds attractive and skipping coverage seems easy.. I need to ask you why are you going to college? </p>
<p>Is it to get a job? </p>
<p>Ever hear of garnishment? I don't mean the swag of parsley on your plate. I mean a court order to your employer demanding part of your paycheck. I know of many employers who do not hire garnished applicants just to avoid the hassles, including the fact that alot of garnished employees tend to skip around jobs alot to dodge repayment. </p>
<p>Ever want to own a house? new car? have a decent credit rating? All these things are effected. </p>
<p>I realize I may be beating you up for nothing as if you have coverage it should contain emeregency provisions for just about anywhere in the world. But believe me you need insurance, cause if you don't have it and then need it, it's too late.</p>
<p>I just checked and you have emergency coverage. I don't know why your school wouldn't waive your student insurance. Try again. New York has some tought insurance rules, but your coverage should be sufficent, especially when you can go home for routine treatment.</p>
<p>i called them and explained my situation, and this is what they told me, word for word, "well, ithaca is a relatively small town... and we have a lot of doctors here, and we need to keep them happy... they need to
make their 6 digit salary..."</p>
<p>i dont understand what insurance can do for me. because i have emergency coverage, (they excluded that in their waiver app). if i break my legs, i am willing to take that chance and PAY CASH if necessary. I just dont understand why Cornell tries to repeatedly squeeze the students, on everything. This is not the first time. they are making a minimum 1000 dollars on a student because at Binghamton, the insurance costs only 300 dollars and at NYU, NYU for god sake, only charges 500 dollars.</p>
<p>i wonder what sallyawp has to say about this. DEFEND CORNELL NOW!</p>
<p>"cornell is trying to jew me."</p>
<p>I hope you're a jew. </p>
<p>Just lie to them and check off yes, they probably will not look into it.</p>
<p>i cant lie now, my honesty have already failed me.</p>
<p>honesty is silly</p>
<p>make them cover it with grants or something...I'd have an angry parent call if possible.</p>
<p>good thing im one day away from getting wasted!</p>
<p>spanks, any of that good stuff colt 45 at the parties?</p>
<p>and how is the weed scene? are kids there amateurs? or they do a bit of the heavier stuff?</p>
<p>If that's the answer they gave you, move up the food chain till you talk to the person responsible for the department. </p>
<p>If you really want to stir things up file a complaint with the Office of the Insurance Commissioner for NY. This would be good headlines for an elected offical to take on unnessary double coverage issues. The answer they gave you is not a defensisble one they could provide to the OIC.</p>
<p>Both my kids attend out of state and their waivers were accepted by both schools. My S this spring tested the effectiveness of emergency coverage by breaking his ankle in a lacrosse match. Over $30,000 later our insurance picked up 90% of the cost, even though it was out of the service area. </p>
<p>The answer you were given is bs, keep trying.</p>