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Insurance Information

It is your responsibility to review your health insurance coverage and become aware of special requirements and provisions of your plan, such as deductibles/copays, in-network versus out-of-network providers' charges (the Student Health Center is “out of network” for all insurances, except for the Student Health Insurance Plan), and prescription coverage. Your health insurance provider’s reimbursement policies and preferred providers, pharmacies, laboratories, etc. should be well understood by the student prior to arrival at “K.”  Each student will need to carry a copy of their insurance card with them and have knowledge of their prescription co-pay amount.

When choosing among different health care plans, you'll need to read the fine print and ask lots of questions, such as:

  • What are the deductibles? What are the co-payments?
  • What is the most I will have to pay out of my own pocket to cover expenses?
  • Do I have the right to go to any doctor, hospital, clinic or pharmacy I choose (in Kalamazoo, at home, throughout the US, abroad, etc.)?
  • Does the plan cover special conditions or treatments such as pregnancy, psychiatric care and physical therapy?
  • Will the plan cover all medications my physician might prescribe?
  • Are specialists such as eye doctors and dentists covered?

Please note, to waive the Kalamazoo College Student Health Insurance Plan, the health insurance you choose must be based in the United States, have a deductible that is $1000 or less, and must not be out of state Medicaid or out of state HMO (with no coverage in the Kalamazoo area).  This will be verified during the waiver process.  If your insurance doesn’t meet the requirements, you will be enrolled in the Kalamazoo College Student Health Insurance Plan.

Preventative Services Covered Under the Affordable Care Act

Medical Insurance Guide for Students

Resources on Affordable Care Act  and Student Health Insurance

 

2014-15

All students admitted Fall of 2012 or later and International Students must have health insurance.  You will automatically be enrolled in the Student Health Insurance Plan (http://www.studentinsurance.com/Schools/mi/kalamazoo/) unless you waive due to similar coverage in Kalamazoo with another carrier.

All other students are strongly encouraged to have health insurance.  You can choose to enroll in the Student Health Insurance Plan (http://www.studentinsurance.com/Schools/mi/kalamazoo/).  You will not be automatically enrolled in the Student Health Insurance Plan.

2013-14

Entering, Second year, and International Students must have health insurance.  You will automatically be enrolled in the Student Health Insurance Plan below unless you waive due to similar coverage in Kalamazoo with another carrier.

All other students are strongly encouraged to have health insurance.  You can choose to enroll in the Student Health Insurance Plan below.  You will not be automatically enrolled in the Student Health Insurance Plan.

For 2013-14 Student Health Insurance Plan coverage or log in questions contact: Gallagher Koster, www.gallagherkoster.com/kalamazoo, kzoostudent@gallagherkoster.com, 877-320-4347.