Student Health Insurance and Waiver Information

Gallaudet Health Insurance Requirements

Gallaudet University requires all full-time students to carry medical insurance.  Part-time students can elect to purchase coverage, but it is not required.  You can obtain insurance through the University plan, a family policy, Medicare, Medicaid or individual coverage provided online or through a local insurance broker. 

As a full-time student, the charge for the Gallaudet plan is already on your bill.  If you have other insurance, it is essential that you waive the Gallaudet plan by August 29, 2016 to remove the charge during your online business registration.  Even if you received a waiver last year, you still are required to do it again this year if you do not want to purchase the Gallaudet plan.

Although Medicaid in most states does not provide comprehensive coverage in the District of Columbia (DC), we now consider Medicaid from any state to qualify for a waiver of the Gallaudet plan.  However, this form of coverage is likely to require far more planning and coordination on your part to seek coverage within your home state.  Local non-emergency care, except for DC/MD/VA Medicaid, will likely not be covered.  You may want to set up a savings account in case you need a local doctor for any non-emergency follow-up visits, routine care, or preventative tests or service.  Uninsured amounts might exceed the cost of additional insurance.

Gallaudet Insurance Plan

The new Gallaudet student health insurance carrier is CHP/National Guardian Life.  If you were enrolled in the Gallaudet student health insurance program last year, please look over the new coverage and decide whether the new plan will continue to meet your needs.  If you waived the program last year because you had other health insurance, please look over the new coverage and decide whether the new plan will meet your needs.  A summary of the coverage is below, and you can purchase it online through Business Registration until 8/29/16.  Aspects of Gallaudet's plan that have not changed are:

  • Global in its scope of coverage;
  • Comprehensive in its coverage of ER, inpatient/outpatient hospitalizations, physician visits, lab work and tests; in its coverage of both physical and mental health; in its coverage of services to prevent and/or treat chronic conditions; and in its coverage for unanticipated sickness and injury;
  • Access to wellness information; and
  • The ability to add spouses/domestic partners and dependents to the coverage.

The plan Gallaudet is offering this year has the following benefits:

  • Prescription co-pays are $25/$50/$75;
  • Deductibles are $1,200 in-network and $2,400 out-of-network;
  • The coinsurance is 80% for in-network and 60% for out-of-network;
  • Nothing connected to an intercollegiate sport, regardless of whether the injury is sustained in a practice or a game or travel to an off-campus event; and
  • There is a stop-loss on retained costs (deductible, coinsurance).  You should not be out-of-pocket more than $6,600 for in-network services or $13,200 for out-of-network services;
  • Online Insurance ID Cards Only:  Once you are enrolled, you will receive an email with instructions on how to create your account and to print your health insurance card. Please click here for additional information.


This annual coverage starts on July 15, 2016 to July 14, 2017, and is automatically billed to you if you don't waive the coverage.

You can get additional information about the program from United Healthcare Student Resources at 800-767-0700 or customerservice@uhcsr.com.  To see if your current doctors are in-network, visit http://www.uhcsr.com/lookupredirect.aspx?delsys=52.  If you choose to continue seeing doctors who are out-of-network, or if you are enrolled in an internship or other program outside DC and have no in-network options, you'll want to increase the amount in your savings account.

Gallaudet Insurance Purchase & Waiver Deadlines

Below are the deadlines to purchase and waive the Gallaudet Insurance Plan for the 2016-2017 academic year by semester:

  • Fall 2016 - August 29, 2016
  • Spring 2017 - January 17, 2017 (new spring students only)
  • Summer 2017 - May 15, 2017 (new summer students only)


How to Waive the Gallaudet Insurance Plan

Applying for a health insurance waiver is a two-step process. You must complete both steps listed below before your insurance is waived:

  1. You must also attach a scanned copy of the front and back of your health insurance card with your student ID during Online Business Registration. 
  2. You must submit the health insurance waiver request online through your Bison account during Online Business Registration. Please click on Self Service, then Online Business Registration, then Student Health Insurance.  On the left hand side of the screen select waiver form.  Please complete all the required information.


Your health insurance will not be waived unless you complete both steps of the health insurance waiver process. If you have any questions, please email us at student.accounts@gallaudet.edu.

Gallaudet Insurance Waiver Confirmation  

Once you have submitted your health insurance waiver request through Bison and Online Business Registration, you will receive two emails.

  • The first email will be sent to the email address that you entered informing you that your health insurance waiver request has been received successfully and it will be reviewed.
  • You will also receive a second email verifying whether your waiver has been approved or denied.


How Part-Time Students Purchase the Gallaudet Insurance Plan

Part-time students are not required to have health insurance. However, if you are a part-time student and would like to enroll in the Gallaudet Insurance Plan, you will need to purchase the plan through your Bison account during Online Business Registration.  Please click on Self Service, then Online Business Registration, then Student Health Insurance.  On the left hand side of the screen select purchase form.  Please complete all the required information.

Learn More About Additional Resources

Gallaudet's plan might not meet the needs of every student, so each student should determine what coverage is best for his/her specific needs.  Consider your past use of medical insurance, the increased retained costs, and your available financial resources before making a waiver or purchase decision. 

If you want to seek additional insurance information outside of Gallaudet, listed below are some resources:

Health Insurance Information Summary

Health Insurance

National Guardian Life Plan for 2016-2017
 

United Healthcare StudentResources Plan for 2015-2016

Annual Insurance Premium for Fall Students

$3,199

$2,784

Coverage Period for Fall Students

07/15/2016 through 07/14/2017 at 11:59pm

07/15/2015 through 07/14/2016 at 11:59pm

Insurance Premium for New Spring Students

$1,858

$1,620

Coverage Period for New Spring Students

 12/15/2016 through 07/14/2017 at 11:59pm

12/15/2015 through 07/14/2016 at 11:59pm

 Insurance Premium for New Summer Students

$536

$464

Coverage Period for Summer Students

5/15/2017 through 07/14/2017

at 11:59pm

5/15/2016 through 07/14/2016 at 11:59pm

Benefits for 2016-2017

  • Deductible $1,200 for in-network or $2,400.00 for out-of-network
  • Co-insurance levels 80%/60%
  • Student out-of-pocket maximum $6,600 for in-network or $13,200 for out-of -network
  • Intercollegiate sports not covered
  • Prescription copays $25/$50/$75
  • Online ID cards only

IMPORTANT NOTES:

  • Your private health insurance card must be valid and current (must be accepted for use in Washington D.C. metropolitan area including Maryland and Virginia), comparable to Gallaudet's student health insurance. 
  • Gallaudet can accept Medicare Part A and B from all states. Medicaid in most states does not provide comprehensive coverage in the District of Columbia (DC), we now consider Medicaid from any state to qualify for a waiver of the Gallaudet plan.  However, this form of coverage is likely to require far more planning and coordination on your part to seek coverage within your home state.  Local non-emergency care, except for DC/MD/VA Medicaid, will likely not be covered.
  • If your insurance card is deemed as unacceptable or your private insurance carrier declines your coverage, you will be responsible for paying for your health care expenses that you may incur and health insurance costs. Please be sure to verify your coverage in the DC metropolitan area with your private health insurance carrier before you submit your waiver request.
  • Your waiver request will not be processed by Gallaudet if you do not provide a copy of your private health insurance card online during registration before the semester starts. You will be charged for the health insurance if your card is not acceptable or if you have not submitted your request for a waiver successfully.

Contact Student Financial Services with any questions or concerns at student.accounts@gallaudet.edu.  We wish you a successful academic year!

Costs Not Covered By Insurance

Every registered full-time student is eligible to use Student Health Services (SHS). Students are charged a $125 health fee per semester with tuition. The $125 health fee is not to be confused with health insurance. Certain charges are not included in the $125 health fee, i.e. medication, vaccinations, and laboratory tests. For a complete list of charges not included in the SHS student health fee, please contact SHS directly. A fee is charged to anyone who is not a registered student. Fees for services at SHS are billed directly to the student's account at Student Financial Services.

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