Health Insurance Information
In an effort to ensure all students have access to healthcare, Kalamazoo College requires students to carry adequate health insurance. To comply with Kalamazoo College’s Health Insurance Policy, ALL STUDENTS must accept or decline the College health insurance plan by August 1 of EACH ACADEMIC YEAR to avoid charges on the College bill. If the College health insurance is waived by September 1, it can be removed from the bill. If it is NOT waived by September 1, you will automatically be enrolled in and billed for the student insurance plan for the entire policy year.
The ANNUAL health insurance enrollment/waiver period is May-August to be completed at www.kzoo.edu/AIGhealthinsurance.
Please note, to waive the Kalamazoo College Student Health Insurance Plan, your health insurance must meet the following requirements:
- based in the United States (compliant with all Federal PPACA guidelines)
- have a deductible that is $2000 or less
- have in-network coverage in the Kalamazoo area (must not be out of state Medicaid or out of state HMO).
These requirements will be verified during the waiver process. If your insurance doesn’t meet the requirements, you must enroll in the Kalamazoo College Student Health Insurance Plan by August 1.
All international students must enroll in the Kalamazoo College Student Health Insurance Plan and cannot waive off the plan.
Please note the following deadlines:
- All students must accept or decline the College health insurance plan by August 1 to avoid the charge being placed on the student account. September 1 is the DEADLINE to waive and have the charge removed from the student account.
o Students who do not submit their enrollment or complete the waiver by the September 1 deadline will be enrolled and billed for the Kalamazoo College Student Health Insurance Plan for the entire policy year.
- Athletes, Land-Sea leaders, and study abroad participants must sign-up or complete the waiver process by July 1st.
o Students on study abroad need to have either US based insurance that has passed the college’s waiver 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.
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/