August 24, 2018

Student Health Plans

                                                                           

Gallagher Student Health Insurance

Vassar requires that all students are covered under health insurance, whether through their parents/guardians or through the Gallagher Student Health Plan. If you already have insurance coverage, you can waive the default insurance fee by going to this website. You may need to create an account if you have not ever accessed this portal.

Understanding your health insurance plan can be confusing and difficult to deal with as you’re juggling everything else during the academic year, so here are some useful tips on the Gallagher Student Health Plan (which is actually a health insurance plan from United Health Care):

  • Eligible persons: registered full-time domestic and international students, and dependent spouses and children if applicable.
  • Cost: the cost for a full year of health insurance through Gallagher/UHC is $1,965.
    • For in-network providers, many services including preventative care, screenings, immunizations, physicals, etc. are covered in full.
    • For in-network providers, some out of pocket costs may include: prescription drug copayment $15-$45, emergency care copayment $100, and office visit copayment $25.
    • Out-of-network health services may end up being much more expensive, so it is best to check whether a provider you are planning on seeing is in-network. You can find in-network providers at this link.
  • UHC also offers an online/over-the-phone health guidance service called HealthiestYou, which you can access at this site or by calling 1-855-210-0540
  • Note that under this health insurance policy, dental and vision coverage is only available to individuals under 19 years of age.
  • A detailed, 100-something page manual on this health insurance plan can be accessed here.
Personal vs. Student Health Insurance

The following Health Services are available to students of Vassar College depending on their insurance:

  • Visits
    • There are no charges for visits to the medical clinic (this is covered by the health fee paid with your tuition).
  • Over-the-counter medications and supplies
    • The charge will be put onto your student account.
  • Prescription medications
    • If you have the student health insurance offered through the college:
      • You may obtain a prescription to fill at a local pharmacy. You will then pay a copay at the pharmacy. (Please see insurance information for specific limits on yearly maximum.) If the medication is available at the Health Service you may obtain it there and the amount (comparable to a copay) will be charged to your student account.
    • If you do not have the student health insurance offered through the college:
      • You may request this to be e-prescribed to a local pharmacy.
      • If we carry the medication at the health service – you may get the medication and the charge will be put onto your student account. You may request an itemized bill to submit to your insurance company.
  • Lab work
    • If you have the student health insurance offered through the college:
      • The Health Service will submit billing to the insurance company.
    • If you do not have the student health insurance offered through the college:
      • You will receive a bill directly from Quest Diagnostics – you may then either submit the bill to your insurance company or call Quest Diagnostics with your insurance information.
  • Testing / Allergy Shots
    • If you have the student health insurance offered through the college:
      • The charge will be put onto your student account.
      • These low-cost procedures are not covered by the student health insurance.
    • If you do not have the student health insurance offered through the college:
      • The charge will be put onto your student account. You may request an itemized bill to submit to your insurance company.
  • Immunizations
    • If you have the student health insurance offered through the college:
      • The charge will be put onto your student account. Certain immunizations are now covered.  The Health Service has a list of these.  You may request a copy of an itemized bill to submit to your insurance.
    • If you do not have the student health insurance offered through the college:
      • The charge will be put onto your student account. You may request an itemized bill to submit to your insurance company.
  • HIV/STI Confidential Testing
    • If you have the student health insurance offered through the college:
      • Your HIV/STI test results will be delivered to you on a confidential basis.
    • If you do not have the student health insurance offered through the college:
      • Click here to learn more about other options for obtaining confidential testing.
Dental & Vision Coverage

There is a pediatric preventive dental benefit and a pediatric preventive vision benefit available for students up to the age of 19 and their enrolled eligible dependents up to the age of 19.

  • Please see the Student Health Insurance Plan brochure for more details.

Dental insurance under Vassar’s student health plan expires once you turn 19. Luckily, there are other options for you if you need dental work done.

  • Aspen Dental at 2020 South Road is a good option for those under the Vassar student health plan but over the age of 19. They offer a discount for individuals under a student health insurance plan.
    • Basic cleaning services start at $84
    • The office works with the following insurance companies: United Concordia, Aetna, Ameritas

A voluntary dental plan is available to all students for an additional cost. Please visit the Gallagher Student Health & Special Risk website for coverage options available for purchase. Students who purchase dental coverage can also enroll in vision coverage. Vision coverage is not available separate from the dental insurance.