Student Health Insurance
Hamilton College requires that all enrolled students carry valid health insurance coverage.
Student Health Insurance Plan
Access ID Card (Aetna) Waive Insurance
What does the plan feature?
- Affordable, comprehensive insurance benefits (Benefits Summary)
- Access to Aetna’s nationwide network of health care professionals and 24/7 on-demand access to physicians through Aetna’s Teladoc services.
- Visit Aetna to download a copy of your ID card, access providers, claims, deductibles & limits and member details or use the Aetna Health app, available on the App Store or Google Play.
If you have any additional insurance-related questions you may contact Haylor, Freyer & Coon at 866-535-0456.
Who is eligible?
Hamilton College requires that all enrolled students carry valid health insurance coverage. Students who enroll at Hamilton will be billed an annual premium for the Hamilton College Student Health Insurance Plan unless they submit an online waiver and provide proof of alternate coverage. Students may be excused from the insurance if they have equal or better health coverage from another U.S.-based company.
Coverage
Coverage cannot be waived after September 1, 2025. Once enrolled in the insurance plan, your coverage will stay in effect for the policy term of August 12, 2025, through August 13, 2026.
- Annual (August 13, 2025-August 12, 2026)
Waiver deadline: September 5, 2025 - Spring/Summer (January 1, 2026-August 12, 2026)
Waiver deadline: January 30, 2026 - Benefits Summary
Cost
Students who enroll at Hamilton will be billed an annual premium:
- $3361 (Insurance Carrier Rate - $3226.56 + Broker Fee - $134.44);
- Fall only premium is $1298 (Insurance Carrier Rate - $1246.08 + Broker Fee - $51.92);
- Spring only premium is $2063 (Insurance Carrier Rate - $1980.48 + Broker Fee - $82.52)
Waiver
Automatic Enrollment
Please complete the waiver to avoid being AUTOMATICALLY ENROLLED and receiving unnecessary charges. The waiver process must be completed annually.
Eligible financial aid students who have been billed the student health insurance premium may receive an additional grant to offset a portion of the student health insurance premium. The Financial Aid Office will notify students directly regarding their insurance grant eligibility; no action is required by the student. If you have any questions regarding your eligibility for a student health insurance grant, please contact the Financial Aid Office at 1-800-859-4413.
(ID is located on My Hamilton)
- See FAQs about waiver and insurance
- Students should contact their health insurance carrier regarding coverage in the Hamilton College vicinity, including mental health services on a non-urgent as well as urgent basis, to ensure providers are available in our area.
- International students are required to buy the student health plan unless they have U.S.-based insurance that meets the same requirements as that of U.S. insurance plans.
- Please notify the health center of any changes in your health insurance coverage. Also, be sure to carry a copy of your insurance card with you while you are a student at Hamilton.
Summary of Benefits
An amount you could owe during a coverage period (usually one year) for covered health care services before your plan begins to pay. An overall deductible applies to all or almost all covered items and services.
The most you could pay during a coverage period (usually one year) for your share of the costs of covered services. After you meet this limit, the plan will usually pay 100% of the allowed amount.
A fixed amount (for example, $15) you pay for a covered health care service, usually when you receive the service. The amount can vary by the type of covered health care service.
Your share of the costs of a covered health care service, calculated as a percentage (for example, 20%) of the allowed amount for the service. You generally pay coinsurance plus any deductibles you owe.
FAQs
- Fall: September 5, 2025
- Spring: January 30, 2026
Yes, you will receive frequent reminders during the open waive/enrollment period to your college email. If you have any questions about your waiver status, you should contact Haylor, Freyer, &Coon directly.
Visit the Haylor, Freyer & Coon website and enter your name and student ID (students can view their ID number on My Hamilton).
A waiver must be submitted annually during the open waiver & enrollment period.
Download a copy of your insurance card by visiting haylor.com/hamilton and then selecting Download ID.
Visit Aetna's provider search to find a list or call the customer service number located on the back of your health insurance card.
Spouse and child(ren) are not eligible for enrollment in this program.
You can view entire health plan benefits by visiting haylor.com/hamilton then selecting Plan Highlights or Coverage Details.
Please contact student@haylor.com with a copy of your current insurance carrier’s termination letter to begin the enrollment process. Once enrollment is finalized, insurance fee will be posted to the student account.
No, dental coverage is only available for pediatric members (under the age of 19).
Yes, this plan covers hormone replacement therapy and gender-affirming surgery. Contact the provider for details.
Please email student@haylor.com to begin the process of your termination.
Comparable Coverage
- Fully compliant with all aspects of the Affordable Care Act (ACA).
- Underwritten and administered in the United States.
- Effective for the entire academic year.
- Provides in-network non-emergent/urgent and routine care (preventative services) without coverage limitations within a 50-mile radius of the school.
- No limitations or exclusions on pre-existing conditions.
- Provides coverage for hospital stays for medical and surgical care and for mental health conditions.
- Provides coverage for doctor’s office visits for medical and mental health conditions.
- Provides prescription drug coverage.
- Provides unlimited medical/hospital benefits without dollar maximums
- Out of State Medicaid plans
- Out of State HMO plans
- Health Share plans
- International plans
- Travel plans
- Kaiser Permanente HMO
Contact
Haylor, Freyer & Coon
