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Insurance

Insurance
All students attending Bard College are required to have health insurance. The College provides comprehensive coverage through the CDPHP Student Accident and Sickness Insurance Plan, administered by The Allen J. Flood Companies, Inc.

SMOKING CESSATION

There are many resources available to assist with your decision to stop smoking. We offer nicotine replacement products and counseling at Health Service. Or you can get advice and free nicotine replacement products from New York State here.
Also check out the Quit Smoking Community or join their Facebook group for online support.

 ANNOUNCEMENTS

Welcome to the new students. Health Service is here to support your health and wellbeing during your tenure at Bard. We can help with most routine health issues. If you are unwell or have health concerns please call to schedule an appointment with one of our Nurse Practitioners.

Need to get to an appointment off campus? UBER and LYFT are now both available in the area, if you choose not to use a Zip car. As there is a limited amount of drivers available (the services just started in September), you should plan extra time for travel (it can take 30 mins for a driver to arrive). The CATS program is still available for mental health appointments.

Ticks and Lyme disease
It is getting to be that time of year again. The ticks are out and will be as long as temperatures are >34'F. Please be aware! 

Why do you get sick when you are tired?

PLEASE NOTE: FENTANYL DEATHS
 

                                                       HOURS


We are open Monday through Thursday from 9AM- 7PM
Friday 9AM-- 5PM
Please call for an appointment 845-758-7433.


Please note: You do NOT have to have the Bard insurance to be seen here.

We have a new Electronic Medical Record that does not work if we do not have your complete insurance information.
Please bring your most current insurance card with you to each visit.
If you only have a scanned copy of the card, you must either print it out (front and back)
or email it to healthservice@bard.edu prior to your visit.

Health Insurance Requirement

All students attending Bard College are required to have health insurance. The College provides comprehensive coverage through the CDPHP Student Accident and Sickness Insurance Plan, administered by The Allen J. Flood Companies, Inc.  A Certificate of Coverage for 2017-18 is describing coverage, exclusions, and premiums of the Student Accident and Sickness Insurance Plan for Bard College is available here: Certificate of Coverage.

Students are automatically enrolled in the College’s health insurance plan, although enrollment may be waived if the student is determined to have comparable coverage (through self, parent, spouse, etc.). It is your responsibility to check if your insurance plan covers the student in New York State, and to request out of state coverage if necessary. In our experience, many of the plans provided through the Massachusetts insurance exchanges and Kaiser do NOT work in this area, except for in emergency situations. This means that simple tests such as wound cultures or urine cultures will not be covered and you may be billed the full cost of the test. Some of these insurance plans even limit medication coverage to prescriptions written by a provider who belongs to that particular plan. Also, there are very few Tri-Care providers in the area and students would have to travel to Kingston (which is not accessible by any of the local public transportation options) or further to see a Tri-Care provider.

If a student is not approved to opt out of the plan, he or she will be required to buy the Bard College health insurance and the charge will be reflected on the Student Account bill. This bill is separate from the Student Health Fee which all undergraduates have to pay and which is billed by the semester. This fee allows the students to be seen at Health Service with no visit charge.

A brochure describing the terms, coverage, exclusions, and premiums of the Student Accident and Sickness Insurance Plan for Bard College may be found at www.ajfusa.com and downloaded to your personal computer/printer. Please feel free to contact the plan administrator, The Allen J. Flood Companies, Inc., at 914-834-9326 or 800-734-9386 if you have any questions.

IMPORTANT INFORMATION RE: 2015-2016 CDPHP HEALTH INSURANCE PLAN:
  • During the academic year, if Health Service is open, students MUST be seen here first and referred to outside providers in order for those services to be covered.
  • The coverage is much more comprehensive if the student sees providers who are IN-NETWORK. A list can be found at the CDPHP website.
  • There is a $100 deductible that must be met before the insurance benefits are payable. This deductible is waived for contraception only. Students may receive bills, for example from LabCorp or an outside doctor even if the provider is in-network, and these need to be paid up to $100. Once the deductible has been met, coverage will be as described in the brochure.
  • Students will be able to use the insurance card to obtain prescription medications at a pharmacy or via mail order with a co-pay as specified in the brochure ($10/$25/$40) once the deductible has been met. These medications are subject to the CDPHP formulary.
  • There is a $100 co-pay each time a student is seen in an emergency room. This may be in addition to the $100 deductible if that is the first time the student uses the insurance.
  • This plan covers Physical Therapy, Chiropractic Care, and Acupuncture with some limitations as long as the students has been seen first at HS.
  • Medications for ADD and ADHD are covered, and are subject to the deductible and must be on the CDPHP formulary. A reminder- the providers at HS do NOT write prescriptions for any psychiatric medications, including ADD/ADHD meds. Please see the Counseling website for information.

If you choose to waive the Bard insurance, please make sure the student has the most current and valid insurance card and brings it to all visits at HS. The student is responsible for knowing how his or her insurance works, in particular which laboratory is covered under the plan.
 
ADDITIONAL INFORMATION FOR INTERNATIONAL STUDENTS:
All International Undergraduate Students are automatically enrolled in the Accident & Sickness Insurance Plan as described in the health brochure unless they obtain a waiver by presenting evidence of insurance coverage from one of five different commercial providers. This document compares the costs of these alternative plans versus the cost of the Bard plan and presents a table showing significant plan differences between one such plan and Bard’s.

CLAIMS:
The staff at Health Service DO NOT file any claims to medical insurance companies nor do they charge any insurances for medications dispensed. Charges to students (eg.; for medications, vaccines, etc.) are put on the student's Bard account (it will show as a "student health fee"), and an invoice can be generated at the student's request. The invoice will be sent to the student via campus mail and it is the student's responsibility to submit it to the insurance company. 

GENERAL HEALTH SERVICES FEE:
All students must pay the general health services fee, even if they are approved to opt out of the Bard College health insurance plan. This fee is separate from health insurance and only covers visits and most of the services provided at Health Services. It is charged each semester.