Student health insurance

as of 04.22.2015


Bard College offers student health insurance via Allen J. Flood Companies. Graduate students considering enrolling in the new Bard College Student Accident and Sickness Insurance Plan (Bard plan or Bard insurance) should read through the brochure carefully to make certain it will adequately meet their needs. Copies of the plan brochure and claim forms, information on claim procedures, and links to provider networks can be accessed from the plan administrator’s website at If you have any questions feel free to contact health services at 845-758-7077 or via email at

The plan administrator is Allen J. Flood Companies, Inc. The name of the provider network is CDPHP Universal Benefits, Inc. (CDPHP UBI). The Brochure and Summary of Benefits can be accessed from the plan administrator’s website at Once the students are enrolled, they should go to the CDPHP online site: go to the right hand side of the page and register with CDPHP. Students should be encouraged to register on the site. CDPHP offers a free app to download which enables the student to access all of their information including their insurance/pharmacy card.

For students enrolling at Bard for the 2015–2016 academic year, the 12-month health insurance plan cost is $1,280.00 and covers up to an unlimited amount per sickness or injury. In addition, there will be a $100.00 per policy year deductible; a $100.00 co-pay for emergency room visits; $10.00 co-pay for 30 day supply of covered Tier 1 drugs, a $25.00 co-pay for 30 day supply of covered Tier 2 drugs, and $40.00 co-pay for 30 day supply of covered Tier 3 drugs. Mail order – 2.5 copayments for a 90 day supply. There will be a $0 co-pay for contraceptives. In addition, there is an annual maximum out of pocket expense of $6,350. The general coverage will be 90% throughout the plan (except for certain services which are listed as covered in full, i.e. annual physicals, well baby checkups etc.) The students will be responsible for 10% of the services. Please note that “In-Network” providers, through an agreement with CDPHP, will charge a lower fee and therefore the student’s 10% charge will be lower. “Out-Network” services could be substantially more. This premium will be charged in full at the beginning of the academic year. See all additional changes in the 2015-2016 Summary of Benefits and Brochure. Once enrolled, you are committed for the full year; there is no opportunity to opt-out of the plan until the following year. In addition, students on campus during the academic year will be charged a mandatory Bard health services fee of $470.

Fees for both the Bard insurance and the on-campus health services (if applicable) will automatically be billed to your account. The student insurance fee will be credited to your account upon waiver approval (see below for waiver process). The health services fee cannot be waived.

Those students enrolled in any Bard graduate program whose tuition and fees are not billed by Bard student accounts will need to submit a check for the full $1,280.00 ten (10) days before the first day of classes to the address below. Please be sure to indicate first and last name, social security number, and the name of the graduate program on the enrollment form given to you by your program administrator. All checks should be made payable to Bard College.

Bard College
Office of Student Accounts
PO Box 5000
Annandale-on-Hudson, NY 12504-5000

Graduate students have the opportunity to waive the student insurance. PLEASE NOTE: the College or its agent(s) reserves the right to verify information regarding alternate coverage provided by the student as part of his/her on-line request to waive out of the Bard College Insurance Plan. In other words, you will only be granted a waiver if you have adequate coverage of your own. You will be responsible for any bills that are not covered by your insurance.

All international graduate students are automatically enrolled in the Bard plan as described in this brochure unless they obtain a waiver by presenting evidence of insurance coverage from one of four different commercial providers.  for a comparison of the costs of these alternative plans versus the cost of the Bard plan and a table showing significant plan differences between one such plan and Bard’s, go to:                       (go to “Matriculation Forms,” and scroll to the end of that section).  the only way to waive the insurance is via the internet

Before electing to waive coverage, graduate students with their own policy should call the member services number (usually listed on the back of the insurance card) to find a participating provider in the area of their graduate program. You should then call the provider to be sure they will accept your insurance and/or new patients, as the insurance company lists are sometimes out of date. You may also want to find out if well visits or preventive care are portable.

Another important area to check is laboratory services. Bard College Student Health Service contracts with LabCorp Labs. Before making any decision to waive the Bard plan, please be sure to check that your insurance also accepts LabCorp. Any on-campus student with their own insurance that does not accept LabCorp Labs will not be able to have lab work completed at the Bard Student Health Service, including simple lab testing such as a throat culture, mononucleosis test, or urine culture. Other labs in the Bard area, such as Quest Diagnostics in Kingston, are about 20 minutes away; furthermore, there is no public transportation available to these labs. Health Services strongly advises any on-campus graduate student not to waive the Bard insurance if his/her current policy does not accept LabCorp labs. It is your responsibility to contact your insurer regarding coverage of laboratory services.

The deadline for requesting a waiver for the 2015-2016 Bard College Student Accident and Sickness Insurance Plan is July 31, 2015, for the annual coverage; students who enroll and register for classes after the semester has begun will be permitted to submit the waiver request within seven (7) calendar days of the date of their enrollment. Requests for waivers received after these dates will not be honored. Students only need to waive once for the academic year. See below on how to complete a waiver request.


1) Go to
2) Choose Bard College in the drop down box
3) Click on the link Submit Waiver and complete
4) Print a copy of the confirmation screen for record purposes (this will become an important supporting document confirming the successful completion of the waive prior to the deadline)

Student Health Service
Bard College
PO Box 5000
Annandale-on-Hudson, NY  12504
(845) 758-7433 Tel
(845) 758-7437 Fax

Student Counseling Service
Bard College
PO Box 5000
Annandale-on-Hudson, NY 12504
845-758-7077 Tel (9:00am – 5:00pm weekdays)

Office of the Dean of Graduate Studies
Bard College
PO Box 5000
Annandale-on-Hudson, NY  12504
845-758-7895 Tel
845-758-7897 Fax

Plan Administrator:
The Allen J Flood Companies Inc.
2 Madison Ave.
Larchmont, NY 10538

Provider network:
CDPHP Universal Benefits, Inc. (CDPHP UBI)
Online at: