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Skidmore College
Health Services

Health Insurance is Managed by the Bursar's Office

The Bursar's Office requires students yearly:

  • enroll in the student health insurance plan OR
  • waive with comparable alternative US-based health insurance coverage.
  • The Bursar's Office will mail information on the student health insurance plan in June.

The current student health insurance plan is through CDPHP (Capital District Physicians Health Plan)

Insurance Coverage for Intercollegiate Athletes

  • Intercollegiate athletes are covered by a secondary insurance policy for all athletic related injuries not covered by CDPHP. Inquire within the Athletic Department for more information.
  • Injuries incurred while participating in club or intramural athletic activities are covered by CDPHP.

 Helpful information when deciding to enroll or waive the student health insurance:

  • Many private health insurance plans, especially HMOs, may not provide coverage for non-emergency, out of network medical care (including laboratory services, x-rays, specialist referrals, etc.), or may require prior authorization from your primary healthcare provider.
  • It is your responsibility to check with your health insurance company to assure your current health insurance plan will cover you while in this area attending Skidmore College.
  • Adequate health insurance coverage is essential to avoid out of pocket expenses and/or delays in accessing services in the event off-campus medical care becomes necessary.
  • Will your current plan cover medical care beyond emergency services (i.e. provider’s office visits, diagnostic testing, x-rays, prescription drugs, mental health, etc.) in the Saratoga Springs, NY area?
  • Does your plan have providers, hospitals and laboratories in the Saratoga Springs, NY area?
  • Check the cost – is the annual cost of the student plan less expensive than the cost of being added as a dependent to your parents’ or guardians’ plan?
  • Are there administrative pre-requirements, pre-certification, or primary care provider referrals required under your current plan that may delay receipt of care?
Health Services Fees

If you have a question or an issue about a bill please address this with the appropriate provider or contact CDPHP.