Kalamazoo College requires all domestic students admitted in the Fall 2012 or later and all international students to carry health insurance. These students will be automatically enrolled in the Kalamazoo College Student Health Insurance Plan unless proof of comparable insurance under another US healthcare plan is provided by the waiver deadline EACH YEAR. The ANNUAL health insurance enrollment/waiver period is June-August to be completed at http://www.studentinsurance.com/Schools/mi/kalamazoo/. All international students must purchase insurance through the College. Students on study abroad need to have either US based private insurance that has passed the college’s wavier process or the College insurance. Insurances issued by the study abroad host country cannot be used in place of the College insurance or insurance that has passed the waiver process.
Please note, to waive the Kalamazoo College Student Health Insurance Plan, the health insurance you choose must be:
- based in the United States (compliant with all federal guidelines)
- have a deductible that is $1000 or less
- have in-network coverage in the Kalamazoo area (must not be out of state Medicaid or out of state HMO).
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.
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?
Health Insurance Marketplace resources at www.healthcare.gov/