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Insurance Information

In an effort to ensure all students have access to health services, Kalamazoo College requires all students to carry adequate health insurance.  To comply with Kalamazoo College’s Health Insurance policy, students must complete enrollment in the Kalamazoo College Student Health Insurance Plan or provide proof of comparable insurance under another US healthcare plan EACH ACADEMIC YEAR by August 1st.

The ANNUAL health insurance enrollment/waiver period is April-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 $1000 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 sign-up or complete the waiver process for the College’s health insurance by August 1st.

o   Students who do not submit their enrollment or complete the waiver by the deadline will be enrolled and billed for the Kalamazoo College Student Health Insurance Plan.

-          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/

Preventative Services Covered Under the Affordable Care Act

Medical Insurance Guide for Students

Resources on Affordable Care Act  and Student Health Insurance