Student Insurance

Welcome to the Colgate Rochester Crozer Divinity School 2009-2010 Student Insurance Site

All students enrolled in 9 credits or more per semester are automatically enrolled and billed for the plan unless the following waiver is completed, which requires proof of comparable insurance.  Please carefully read the plan brochure to understand the benefits that are offered through the school sponsored plan (click link above to view policy brochure). 

Rates are not prorated other than as listed.  Premiums will be refunded in the event that a student is later determined to be an ineligible student. In such an event, return premiums may be reduced by the amount of any paid claims. Premiums will not be not be refunded for any reason other than a determination of ineligibility

 Waiver Online System (Scroll down to begin the Waiver Process)

Colgate Rochester Crozer Divinity School 2009-2010 Student Health Insurance Online Waiver System

All full time graduate students at CRCDS are automatically enrolled in the Student Health Insurance Plan.

If you have adequate coverage that will provide benefits in the Rochester, New York area, you may waive the Student Health Insurance Plan and not incur a charge on your student account.

I warrant that the information I have provided in this waiver is true and accurate. I authorize Niagara National, Inc. on behalf of CRCDS, to validate my waiver. This includes, but is not limited to, contacting my existing insurance carrier in an effort to determine that valid, in-force coverage exists. If it is later determined that I have provided inaccurate information, my waiver may be voided and charges for the student insurance plan may be added to my student account billing statement.

You may waive the Student Health Insurance Plan by clicking on the "Continue" button below and completing the online waiver process. This will be the fastest way to waive out of the plan. If you need assistance while navigating this system, please contact the Niagara National Customer Service Department at 1-800-444-5530.

If you are not adequately insured while you are at school, you will not be allowed to waive. Please take a few minutes to review your current policy and make sure you are adequately covered. If you are not sure, please contact your current insurance carrier.

Many HMOs provide limited coverage for students traveling away from their service area and most employer plans will not cover dependents beyond a certain age (for instance turning 19 or 21).

You may wish to consider the following even if you have other coverage:

• If your current insurance is through an HMO or preferred provider network out of the Rochester, NY area, services locally may be limited. Covered charges under your current plan may be billed to you at a higher, non-preferred rate. Many students have found it challenging to use their HMO coverage out of the home area.
• Your current insurance may not cover the types of expenses most frequently incurred by students, such as outpatient referrals, or may cover them only after a deductible or co-payment. This plan helps cover those expenses. It may even be used to supplement or compliment a family plan.
• Coverage through parent's policy may end on a student's birthday (i.e. at age 19, 23, or 25), even if a full-time student.  
• This policy will cover a student at home, while participating in a sport, at the College or while traveling internationally.
• The policy will cover a student from 8/15/09 to 8/14/10 with a maximum benefit up to $10,000, per claim.
• Will you be a graduating senior? If so, you will also be offered a continuation plan prior to graduation.
• The plan offers Spring/Summer enrollment from 1/15/10 to 8/15/10.
• Participating doctors, hospitals, and pharmacies may file claims electronically

Many important items are covered in the brochure (click link above to view). Health insurance is a very important aspect of a student's life. It can take years to recover from unpaid medical bills. This plan will pay a student's medical expenses if they are sick or injured as long as it is medically necessary.

If you need assistance while navigating this system, please contact the Niagara National Customer Service Department at 1-800-444-5530, or send an e-mail to: nninfo@niagaranational.com

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