College is a rare opportunity in a person’s life. There will likely be no other time in their life that students can dedicate two to four solid years to education and learning. Health insurance that provides coverage near campus gives parents peace of mind. It also gives students a choice to continue attending classes should something unexpected arise. Also, individual physical and mental health creates a healthy community. Student Health Services provides primary care services for all students and their spouses. Coordination of care with specialists and hospitals from the surrounding Wheaton area only works well when suitable health insurance coverage is in place.
For these reasons, Wheaton College practices a “hard waiver” insurance program. This simply means that every student who is required to show proof of health insurance will be automatically billed for the premium for the Student Health Insurance Plan prior to each semester. During the designated open enrollment period students who have comparable coverage are eligible to submit an online waiver and receive a credit for the premium. The questions on the waiver are specifically designed to “demonstrate” that the necessary benefits are included in the plan. The waiver is required annually prior to the start of each academic year. A waiver submitted for the fall semester will be valid through the spring semester. The annual insurance period is from August to July.
Gallagher Student Health & Special Risk is the provider of the Student Health Insurance Plan and the manager of the online waiver site. Information about the plan and the waiver can be found on their web site www.gallagherstudent.com/wheatonil .
Wheaton College Requirements for being covered by Other Health Insurance Plans
Comparable Coverage Guidelines
Students insured by another health insurance plan can waive the Student Health Insurance Plan for the fall semester by the deadline of September 10, 2015 provided that the other plan meets the requirements below. Subtracting the premium from your total bill cannot be a substitute for completing the waiver. A credit for the premium will be applied to the student’s account once the waiver is approved. Once the open enrollment period is over and the deadline to submit a waiver has passed, students are confirmed as enrolled in the plan with no option to cancel or receive a credit until the next open enrollment period.
Comparable insurance plans are required to include:
- Adequate coverage within a 4 hour driving radius of the College or the Wheaton College external location of study for emergency, urgent, and non-emergency (retail clinics) illness and injury including follow-up care to emergency room treatment.
- Adequate primary medical care coverage within a 4 hour driving radius of the College or the related external site, which provides access to a physician, physical therapy, laboratory, diagnostic imaging, prescription medication and wellness services.
- For all HMO plans, a Primary Care Provider (PCP) within 4 hours of Wheaton must be pre-authorized before arrival on campus or related location of study. Any restrictive HMO that does not provide coverage for a PCP within 4 hours of location of student is not considered adequate comparable coverage. Out of state Medicaid is not comparable coverage.
- Intercollegiate athletes must ensure that they have primary care coverage within a 2 hour radius of the Wheaton community. For more information on athletics secondary insurance policy click here >>
- Coverage for both in and outpatient mental behavioral health and substance use services that covers at least 60% of costs with a maximum per condition limit of no less than $50,000.
- A licensed health insurance product. Reimbursement/cost sharing plans will not be accepted as comparable coverage.
- Health insurance coverage for the whole academic year.
- The plan must have an unlimited benefit maximum per policy year.
- The out of pocket maximum expenses, which include the deductible, co-insurance, co-payments and other charges should not exceed $13,200 for families and $6,600 for individuals.
- The plan must have a United States customer service telephone number for benefit verification. International customer service telephone numbers will not be accepted.
Is strongly suggested that comparable coverage includes:
- Coverage anywhere in the world, including medical evacuation or repatriation benefits.
- A nationwide network of providers for primary and specialty care.
Please note, if your plan is not considered comparable for the purposes of waiving the Student Health Insurance Plan, it is possible for a student to be enrolled in two plans simultaneously. In that circumstance the insurance companies would coordinate the covered benefits depending upon the situation.
THESE REQUIREMENTS MAY CHANGE AT ANYTIME WITHOUT PRIOR NOTICE.
Wheaton College Requirements for Who Must Have Comparable Health Insurance
The following students are required to have health insurance benefits comparable to the Student Health Insurance Plan:
- Degree-seeking students regardless of the number of credit hours for which they are registered.
- Students approved by GEL for off campus study.
- Psy-D students registered for classes on campus.
- Special (non-degree seeking) students registered for 9 or more credit hours.
- European Summer Study Program students.
- Jerusalem University College- New students beginning the Biblical archeology program in the summer in Jerusalem.
- Students enrolled in traditional programs taking modular programs.
Students in Modular Programs Only Enrolled in Modular Courses:
If you are new or returning domestic modular student with current insurance coverage and will be studying at Wheaton College in the year 2015, the College recommends you to carry health insurance during your time. You are no longer required to show proof of health insurance
If you are an international student (visa holding student- studying up to 8 weeks at a time), you will be required to purchase short term health insurance. Please provide the Health Insurance office with a copy of your flight information and your nationality so that you can be enrolled into a short term health insurance product. The cost of this product will be billed to your student account.
All communication from the Health Insurance office will be made to your my.wheaton email account only. Please monitor this account often.
All students regardless of status will be notified of the requirement via their my.wheaton e-mail account. No personal e-mail addresses will be used after students have been accepted.
Students for whom Student Health Insurance is optional:
The Student Health Insurance Plan is available, but not required for the following students. Please submit an online enrollment during the open enrollment period on the Gallagher Student Health web site at www.gallagherstudent.com/wheatonil .
- Master's Thesis Continuation and Doctoral Dissertation showing 0 credit hours (billed active students and non visa holders)
- PsyD Interns taking Internship (non visa holders)
Please note the following exception: Visa holding international students are required to show comparable coverage during their entire thesis, dissertation and clerkship enrollment.