Hobart and William Smith Colleges

Health Insurance - for Domestic Students

Hobart and William Smith Colleges expect all students to carry medical insurance. Insurance may be obtained through the Colleges or through family or individual policies. HWS strongly urges students and their families to check the details of your insurance policy to make sure it provides adequate coverage in the Geneva, NY area. Not all insurance policies cover students outside their home "network." If your policy does not adequately cover services provided in the Geneva area, we strongly urge you to consider opting into the student health insurance plan underwritten by United Healthcare. Just take a few moments to be sure your coverage is adequate by contacting your health insurance carrier if you have one, and by reviewing materials provided on the Haylor, Freyer and Coon website. There is a plan highlight sheet and Frequently Asked Questions document available to review.

Important Tips: The opt in deadline for annual enrollment for the 24-25 academic year is September 30, 2024. Only those students who opt to enroll will be billed $3,170 for the annual premium and this will be posted to the Fall term with full payment required in the Fall term. The premium is for the annual policy period August 1, 2024 - July 31, 2025.

Please note: Annual coverage begins on August 1, 2024 and goes through July 31, 2025. Students must actively attend classes and be considered as a full time fall registered student for the first 31 days of insurance coverage (the month of August 2024). Students who do not meet the eligibility requirements will have their coverage terminated retroactively to August 1, 2024.

The opt in deadline for Spring only enrollment is February 28, 2025. The Spring term policy premium is $1,841. This will be posted to the Spring term with full payment required in the Spring term. The premium is for the policy period of January 1, 2025 - July 31, 2025.

Please note: Spring term only coverage begins on January 1, 2025. Students must actively attend classes and be considered as a full time spring registered student for the first 31 days of insurance coverage (the month of January 2025). Students who do not meet the eligibility requirements will have their coverage terminated retroactively to January 1, 2025.

Highlights of the 2024-2025 Opt-In Student Health Insurance Plan underwritten by United Healthcare include:

• Low annual deductibles: $200 per insured In-Network, $500 per insured Out-of-Network
• Coverage at 90% In-Network and 70% Out-of-Network
• In-Network Physician's Office visits covered at 100% after a $25 copay

To OPT-IN please follow instructions below:

1. Go to www.haylor.com/college/hobart-and-william-smith-colleges/
2. Select the Full-Time Domestic Voluntary Enrollment link
3. Complete the form. The student account will be billed $3,170 upon enrollment for the annual plan, with payment due for the fall term or $1,841 for the spring term plan, with payment due for the spring term.

Health Insurance - for International Students

Hobart and William Smith Colleges require our international students to be automatically enrolled in the annual Colleges' student insurance plan through United Healthcare. This coverage is mandatory and as such there are no waiver options. The policy is billed on an annual basis and will be billed as a $3,170 annual premium to your fall term bill. More information about this plan is provided on the Haylor, Freyer and Coon website. There is a plan highlight sheet and Frequently Asked Questions document available to review.

Please note: International coverage begins on August 1, 2024 and goes through July 31, 2025. Students must actively attend classes for the first 31 days of insurance coverage (the month of August 2024). Students who do not meet the eligibility requirements will have their coverage terminated retroactively to August 1, 2024.

Spring term only coverage begins on January 1, 2025. Students must actively attend classes for the first 31 days of insurance coverage (the month of January 2025). Students who do not meet the eligibility requirements will have their coverage terminated retroactively to January 1, 2025.

Hubbs Health Center

The Hubbs Health Center is located on-campus and its services are designed for all minor injuries and unexpected illnesses. Please note that the students' insurance will be billed for services rendered at the Hubbs Health Center, including co-pays. Some injuries may require a referral to an outside physician or hospital, and students' insurance will be billed by these outside parties. Other services such as labs and blood draws will also be billed to the students' insurance.

Please visit their webpage to learn more about the services offered at Hubbs.