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General Student Health Insurance FAQs
A. This is a matter of convenience and privacy. When you are sick, the last thing you want to do is think about saving receipts, processing claims, sending information home to your parents, etc. If you purchase the College's Health Insurance Plan, fees for the College doctor's visits, dispensed medications, in-house lab tests, and psychiatric consults done through Student Health Services will be processed for you. If you do not purchase the College's Health Insurance Plan, these charges will appear as a "Health Service Fee" on your College bill. You will need to submit receipts, which may be printed from the Student Health Services' Web Portal, for claims to your private insurance company to seek reimbursement.
With over 1800 students from many states and countries, the task of processing all those different claims would be formidable.
The plan does not cover some immunizations, routine physical exams or most screening tests. There is an $10 co-pay for MD visits at Student Health Services ($30 for other in-network MD visits) and a $15-40 co-pay for most prescription medications as well as a $100 co-pay for use of the emergency room.
A. Yes, all full-time students may use the Student Health Services. However, if you decline the Colleges Health Insurance Plan, MD visits or any other charges such as in-house labs or certain dispensed medicines will be charged to your student account. You will need to submit receipts, which may be printed from the Student Health Services' Web Portal, for claims to your private insurance company to seek reimbursement.
You complete the "online waiver" or contact Gallagher Student Health at 877-373-2405. Insurance consultants contracted by the College will determine if your coverage is comparable to the College's health insurance, thereby making you eligible for the waiver.
No, it will not. You must complete the online waiver each year of enrollment at Connecticut College. The link to the online waiver is on the "Insurance" information page.
A. If your family's coverage changes due to employment or other domestic reasons, we can enroll you at a later date.
Yes, the insurance provides annual coverage, effective August 15 to August 14 of the following year.
A. Yes. Students travelling abroad should keep receipts for any services provided and may then submit them to the insurance company for reimbursement on the portion insurance covers. All providers are considered "Non-preferred" when travelling abroad and thus most services will be covered at approximately 60% of the recognized charge. For more plan details please visit Gallagher Student Health.
Yes, you may purchase the insurance in January, which will provide coverage from January 12 - August 14, however you must remember to waive out of the plan in the fall. It will be your responsibility to notify the Administrative Assistant in Student Health Services of your intent to purchase the spring term insurance.
No, you may not purchase the insurance for the fall semester only. In order for us to maintain the low premium, the single semester option is limited to the spring.
Your personal insurance may require a referral from your primary provider at home; we will assist you in trying to obtain this approval.
A. We will be happy to provide an explanation of any charges to the student. Due to confidentiality, we cannot talk to parents without written permission from the student.
Student Health Services
270 Mohegan Avenue
New London, CT 06320-4196