Changes between Version 8 and Version 9 of Wisdom/University/Insurance


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Timestamp:
08/28/11 16:12:15 (15 years ago)
Author:
jps@…
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  • Wisdom/University/Insurance

    v8 v9  
    11=== Insurance ===
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    32The University requires all graduate students to have adequate insurance.  There are two levels of insurance that students can choose through the University: basic and comprehensive.  The Astronomy Department pays for the cost of the basic level of insurance, whereas the comprehensive costs $800 more spread over the two semesters.  Comprehensive insurance, as the name suggests, provides you with smaller co-pays, larger percentage of coverage on medical expenses and more. 
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    76Added by [mailto:chummels@astro.columbia.edu Cameron].
     7
     8Currently, [http://www.health.columbia.edu/docs/csmip/overview/index.html Columbia University's health insurance] is done through [http://www.aetnastudenthealth.com/stu_conn/student_connection.aspx?groupid=704502 Aetna Student Health Insurance] which is a national group health insurance program negotiated separately by each university. Our university has negotiated to allow all graduate students to be covered under the basic coverage for a fee that is paid for by the department. For additional money a year (always going up, of course) you can purchase comprehensive coverage which has greater benefits coverage especially in the areas of prescriptions, physical therapy, and counseling. [http://www.health.columbia.edu/docs/csmip/dental/aetna_advantage.html Dental coverage] is available for an additional money per year.
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     10Spouses and domestic partners can obtain health coverage at the basic level at an expense of about 3 grand per year. Comperhensive coverage is not available for spouses or domestic partners. Additionally. your entire family can receive dental coverage for a total of about $1000.  (Probably not worth it unless you've got a giant family or are expecting that everyone is going to have a lot of dental work done this year).
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     12Added by [mailto:jps@astro.columbia.edu Josh]
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    914If you are ensuring a dependent through the University, be savvy.  Often, the New York state coverage (child health plus) is cheaper, and our thrilling salaries as graduate students make the monthly payments reasonable.  The department does share the premiums of a dependent, but it (in the past) has been more expensive out of pocket (and frankly, not great).  If you do go on the University insurance with a dependent, be warned.  The renewal is NOT on the calendar year, but twice (once in Sept, and once in January).  And, as of last disaster, they did not send any sort of reminder or renewal notice.  NOTE: This is extra confusing because this split enrollment DOES NOT occur the first year (which starts whenever the baby is born until the following September). So you won't see it coming. Which makes it extra awesome.
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    2530Added by [mailto:jhyoon@astro.columbia.edu Joo]
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