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Student Health Insurance

Hamilton is pleased to offer a comprehensive student health insurance plan that is designed to meet the healthcare needs that may be encountered by students while studying at Hamilton College. The plan carrier is MVP, and the broker is Haylor, Freyer & Coon.

What does the plan feature?

  • Affordable, comprehensive insurance benefits
  • Access to MVP’s nationwide network of health care professionals, including primary care, specialists and mental health at www.mvphealthcare.com
  • Emergency Medical Evacuation and Travel Assistance Services are included
  • Visit www.mvphealthcare.com to download a copy of your ID card, access to providers, claims, deductibles & limits and member details or through the myMVP Mobile App, available on the App Store or Google Pay.
If you have any additional insurance-related questions you may contact Haylor, Freyer & Coon service at 866-535-0456.

Coverage & Cost

Hamilton College requires that all enrolled students carry valid health insurance coverage. Students who enroll at Hamilton will be billed an annual premium of $2,099.88 for the Hamilton College Student Health Insurance Plan unless they submit an online waiver and provide proof of alternate coverage. Students can be excused from the insurance if they have equal or better health coverage from another U.S.-based company.

Complete Waiver

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.

You should contact your health insurance carrier regarding your health insurance coverage while in college. Your plan must provide equivalent coverage to the student health plan. This means that you have full access to providers in the Hamilton College vicinity including mental health services on a non-urgent as well as urgent basis. Check your existing plan to ensure providers are available in our area.

Coverage cannot be waived after September 1, 2021. Once enrolled in the insurance plan, your coverage will stay in effect for the policy term of August 13, 2021- August 12, 2022.

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.

Plan Benefits

Coverage Fee
Deductible-Individual None in network
Out-of-Pocket Maximum-Individual $5,000
Office Visits- Primary Care & Specialists $25 Copay
Preventive Care Services Covered in full in network
Emergency Ambulance Transportation $100 Copay
Medical Emergency (Emergency Room)
Copayment waived if Hospital admission
$100 Copay
Urgent Care Services $25 Copay
Inpatient & Outpatient Hospital Surgery 10% Coinsurance
Mental Health & Substance User Services Inpatient 10% Coinsurance
Mental Health & Substance User Services Outpatient $25 Copay
Rehabilitation Services (Physical, Occupational & Speech Therapy) $25 Copay
Laboratory Services Covered in Full
Allergy Testing and Treatment
Performed in PCP & Specialist Office
$25 Copay
Advanced Imaging Services Covered in Full
Diabetic Equipment, Supplies and Insulin (30 day supply) $25 Copay
Prescription Drugs Copay: $10 generic,
$45 brand name
$75 non-formulary brands


What is my waiver Deadline?

September 1, 2021

Will I be notified if you haven’t received my Waiver?

Yes, you will receive frequent reminders during the open waive/enrollment period to your college email.

Where do I waive?

Visit the Haylor, Freyer & Coon website and enter your name and student ID (students can view their ID number on My Hamilton).

Do I have to waive every semester or just once a year?

A waiver must be submitted annually during the open waiver and enrollment period.

How do I get an Insurance ID Card?

Download a copy of your insurance card by visiting https://www.haylor.com/hamilton and then selecting Download ID.

How do I find a Doctor that accepts my student health insurance?

You can view doctors that accept your insurance by visiting https://www.haylor.com/hamilton then selecting Find Providers.

How do I enroll my spouse or child in the health coverage?

Spouse and child(ren) are not eligible for enrollment in this program.

How do I find what is covered under my student health insurance?

You can view entire health plan benefits by visiting https://www.haylor.com/hamilton then selecting Plan Highlights or Coverage Details.

I lost my insurance coverage, how do I enroll in the student health insurance plan?

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.

Does this plan contain dental coverage?

No, dental coverage is only available for pediatric members (under age of 19).

How do I cancel the student health insurance?

Please email student@haylor.com to begin the process of your termination.

Contact Information

Health Center

Johnson Center for Health and Wellness
315-859-4111 315-859-4963 After Hours Care
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