学生健康保险 Plan

澳门葡京博彩软件 requires that all students in a degree program, enrolled in at least 25 percent of full-time credits, 携带健康保险. The 学生健康保险 Plan is a comprehensive policy offered by Blue Cross Blue Shield of Massachusetts. The policy provides inpatient and outpatient hospital services, 心理健康, diagnostic testing and lab services and other specialty benefits.

资格

  • 学生 enrolled at 澳门葡京博彩软件 in a degree program and taking at least 4 credits are eligible for coverage by the 学生健康保险 Plan*
  • For information about eligible dependents, please refer to 加拉格学生健康

*Ada Comstock Scholars who are regular employees of the college are not eligible.

什么是覆盖

The plan offers comprehensive benefits that include hospital room and board, inpatient and outpatient surgical procedures, 化验和x光, 化疗和放疗, inpatient and outpatient 心理健康 services, 医生诊所就诊, 顾问访问, 救护车, emergency care and prescriptions.

  • Co-pays apply to off-campus medical appointments.
  • You may make certain types of routine (non-urgent) appointments by calling 413-585-2800. (Note: do not use the student portal for urgent or time-sensitive requests. Call us for prompt assistance.)
  • If you are ill and want to speak to a nurse, call 413-585-2800.
  • The plan is effective from August 15 to August 14 of every year. There is no option to continue coverage after graduation. 
  • You can download a verification letter and get other helpful information about coverage, limitations and exclusions at www.gallagherstudent.com/smith.

校园保健

  • 所有的照顾都是保密的. (An exception is made in the case of life-threatening or other health and safety emergencies.)
  • There is no 办公室 visit charge to be seen at the medical or counseling service for any Smith student.
  • Immunizations are covered by the 学生健康保险 Plan.
  • There are charges for emergency contraception, air casts and crutches. Student accounts will be billed for these items unless students pay at the time of care. Payment can be made in cash or check.
  • Deductible fees apply to any lab test, x-ray, CT scan, MRI or other tests that are ordered.
  • Co-pay fees apply to prescriptions. 大多数 brands of generic contraceptives are covered without cost or co-pay under the Affordable Care Act. Prescription medications are covered within the plan limits with a four-tier structure for co-pays ($15/$30/$50/$100).
  • Medical and Counseling Service fees

招生

All students are automatically enrolled in the 学生健康保险 Plan. 

All students are required to complete the online decision form on the 加拉格学生健康 网站. Further information about the insurance plan, 豁免, and related deadline will be posted on or about July 1 by the 学生财务服务 办公室.

Questions related to waiving or accepting 学生健康保险 should be directed to 加拉格学生健康 or 学生财务服务 电邮至 sfs@joker123plus.net.

索赔

Off-campus providers should bill the claims administrator directly. The billing information is on the back of your health insurance ID card. 然而, if you do receive a bill or you paid for a service and need to be reimbursed, you should send a claim form requesting reimbursement to:

加拉格学生健康
胜利路500号
昆西，马萨诸塞州02171
800-456-3753
电子邮件: SmithStudent@gallagherstudent.com

What If I Don’t Have Smith Insurance?

  • You can still be seen on campus at the Schacht Center for 健康 and 健康.
  • Medical, 心理健康 and wellness appointments are available free of charge to all students.
  • Check with your plan regarding in-network local coverage. Many insurance plans only cover services and providers within a particular geographic area. 
  • 学生 are responsible for any charges incurred not covered by their plan.
  • 大多数 care at the Schacht Center is free of charge. There are charges for vaccines, labs and supplies, which may not be covered by private insurance.*
  • If you seek care off-campus for specialty or urgent care, you may need a referral from your primary care provider.
  • The Schacht Center does not, and cannot, direct-bill insurance companies. We bill your student account and provide a claim form with instructions for you to subit a claim for reimbursement to your insurance.

* Vaccines, for example, are very costly. (The average cost for common travel vaccines is $1,000.) We strongly encourage you to enroll in the 学生健康保险 Plan, and/or consult with your insurance plan 之前 receiving vaccines at the Schacht Center or in the Northampton area.