<p>So I just filled out the Student Insurance Waiver. I have all the coverage that they say, but it's hard to find the info (my plan on Aetna doesn't describe much), so I just have the feeling Cornell will just say "no, you need the student insurance" because it'll be easier for them. What are your experiences? If you request a waiver and are covered have you ever had a problem? Or are you on the phone with your insurance and Gannett for like 3 weeks in August?</p>
<p>This is the second year in a row that I’m waving SHIP…I had no problems last year and I don’t know anyone else who’s had issues. I also had some trouble finding some of the info, but I have all the necessary coverage and I don’t think Cornell cares that the address I entered was a little off, lol.</p>
<p>I waived SHIP for my entire time at Cornell and never had a problem.</p>
<p>Sorry to hijack this thread, but is it better to just go off campus considering the hassle that Gannett seems to leave?</p>
<p>what hassle are you referring too? I have been to Gannet many times and i have found them to be great about everything.</p>
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<p>The bursar fees and receipts. I won’t be using SHIP.</p>
<p>^I was never a huge hassle for me. Most visits only cost $10. For instance, I called one morning when I was very ill and they got me in within 20 minutes. I only paid $10 for the office visit and $4 for the antibiotics; I didn’t have SHIP. Gannett billed $14 to my bursar account and I paid it online. I didn’t bother submitting a claim to my health insurance because it was such a small charge.</p>
<p>For another visit I had some lab work done and went to file a claim with my insurance. I called Gannett for a receipt and they had one ready for me within the hour.</p>
<p>Do any of you mind sharing what insurance company you’re with? I’m looking for a cheaper alternative to SHIP.</p>
<p>Determination - D is on my employer plan and I assume that is true for the above posters.</p>
<p>Does your parent have a plan that you as a dependent are a part of?</p>
<p>You will be hard pressed to find a cheaper alternative than the student plan if you are on your own.</p>
<p>Runner 43 - If you are unsure of your coverage, just call your insurance company - the number is on your card - and go through the questions from Cornell’s questionnaire with them. D did that - I had no idea exactly what plan we had or what our deductible is - and her questions were answered in about 5 minutes.</p>
<p>PS This is her 2nd year - quite a few visits to Gannett and Cayuga Hospital, blood work, cxr, swine flu, etc. Really no problem with reimbursement, etc.
I do recommend going through the provider list and finding a local MD if you have a significant health history.</p>
<p>I had Blue Cross/Blue Shield. However, the insurance was through my parents’ employer.</p>
<p>Edit: just noticed Woody’s post and agree with his last statement.</p>
<p>I am on my parents blue cross plan and I just always paid the $10 to gannett. well actually I guess I did bursar it, which means my parents paid it.</p>
<p>only problem I have is that the gannet pharmacy isn’t covered on my insurance, so they call it into cvs and I have to go get it. But they were great and I never had a problem getting an appointment.</p>
<p>never needed to file anything with my own insurance, so not sure how they would be about receipts etc… but since they have a great portal and respond to my messages right away, I don’t think it would be a problem.</p>
<p>A point to remember, if at all possible try to have your own copy of the insurance card esp. when you are covered through your parents employer. At the minimum a copy of both sides of the cards and have it in a safe place and can access it in an emergency. My daughter was seen at an off campus facility in an emergency. Your insurance carrier can hold up the claim a long time and then ask you for proof that your child is indeed a full time student. Heads up… if you can take care of this with your insurance customer service rep before you leave that may save a lot of hassle.</p>
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<p>Definitely a great thing to mention!</p>
<p>I went home for my annual physical exam after my first year at college and received a bill from the hospital a few weeks later. Turns out my insurance company dropped my coverage on my 19th birthday because they had no proof I was a full-time college student.</p>
<p>Thanks everybody! Glad to hear they’re not a pain in the a** about getting SHIP. I had already called my insurance (Aetna) and they seem to cover everything. It gets a little fuzzy around the mental health doctor, but there is one covered on my insurance. I don’t think it’ll be a problem, it’s just that when I called Gannett, they made it seem like they really tried to just get everybody on their plan. I just want to avoid 3 weeks of like calling back-and-forth and arguing about the bursar charge. (Which I would win, just want to avoid it lol.)</p>
<p>Anyways, thanks again!</p>
<p>@woody: thanks, already did it!</p>