Student Health Insurance and Waiver Information

Gallaudet Student 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 28, 2017 to remove the charge during your 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 Care First Blue Cross Blue Shield.  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 8/28/17.  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.


This annual coverage starts on August 1, 2017 to July 31, 2018, and will be automatically billed to you on August 29, 2017 if you don't waive the coverage.  You can get additional information about the program from Gallagher Student Health at www.gallagherstudent.com/gallaudet.

Gallaudet Insurance Purchase & Waiver Deadlines


Below are the deadlines to purchase and waive the Gallaudet Insurance Plan for the 2017-2018 academic year by semester:

  • Fall 2017 - August 28, 2017
  • Spring 2018 - January 17, 2018 (new spring students only)
  • Summer 2018 - May 15, 2018 (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. Go to www.gallagherstudent.com/gallaudet.
  2. Click on 'Student Waive'.
  3. Create a User Account.
  4. Click the 'I want to Waive' button.  If you want to waive, please have your health insurance card available as you will need information to complete the waiver information section.
  5. Follow the instructions to complete the form.
  6. Print or write down your reference number.  Receipt of this number only confirms submission, not acceptance, of your form.
  7. Your form will be submitted for review and verification; results of this verification will be e-mailed to the e-mail address provided during the waiver process.

*If a waiver form is not submitted by the deadline, you will remain enrolled in and billed for the Student Health Insurance Plan for the entire policy year.

Have questions, please contact Gallagher Student Health & Special Risk at (DEDICATED 844#) or by visiting the Customer Service contact page at www.gallagherstudent.com/gallaudet.

Gallaudet Insurance Waiver Confirmation  

Once you have submitted your health insurance waiver request through Bison and Business Registration, you will receive a confirmation number and an email from Gallagher Student Health.  If both are received, we have received your request to waive.

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 Business Registration.  Please click on Self Service, then Business Registration, then Student Health Insurance.  Please fill out the Annual Decision form to ENROLL.  

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

Care First Blue Cross Blue Shield Plan for 2017-2018
 

National Guardian Life Plan for 2016-2017

Annual Insurance Premium for Fall Students

$3,294

$3,199

Coverage Period for Fall Students

08/1/2017 through 07/31/2018 at 11:59pm

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

Insurance Premium for New Spring Students

$1,936

$1,858

Coverage Period for New Spring Students

 01/01/2018 through 07/31/2018 at 11:59pm

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

 Insurance Premium for New Summer Students

$851

$536

Coverage Period for Summer Students

5/1/2018 through 07/31/2018

at 11:59pm

5/15/2017 through 07/14/2017 at 11:59pm

 

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.

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.