Instructions to Waive or Enroll

During the designated Enrollment/Waiver periods Gallagher Student Health will post an online "Insurance Decision Form". This form allows students to declare their intention to waive or enroll in the student health insurance plan. This form must be submitted by the posted deadline.

Logging In

To login simply follow the instructions below:

Attention Fall 17-18 UMB Students: New log in process

Your user account has been created for you. Your user name is your UMB email address.

First Time Users: Your temporary password is your Banner ID number, replacing the "@" symbol with a '0' for a total of 9 digits (e.g. 000123456). Upon first logging in, you will be asked to reset your password. Instructions will be sent to your UMB email address. Once reset, you will be able to log in with your new password.

If you don't know your Banner ID, sign in to SURFS, www.umaryland.edu/surfs/ and select "Your Residency may be verified by checking your Registration Status". The screen that appears will have your Banner ID in the upper portion of the right hand side of the page before your name and above the date.

Returning users: Due to the change in the log-in process, you cannot use the user account previously created. Please follow the instructions above to log-in.

Making Your Decision

Student Health Insurance Plans offer tremendous value. Student Health Insurance Plans will typically have lower out-of-pocket costs (copayments, deductibles, coinsurance) than group health plans or individual plans one can find in the general insurance market or through your state's Marketplace and are offered at a lower premium. It may even be that the cost of 12-months of coverage for a student health insurance plan is less than the amount of an employer group's annual deductible.

If it is your intent to enroll in the student health insurance plan, it is strongly recommended you complete the online form as soon as possible. Doing so assures your student has access to benefits on the effective date of the policy.

If you want to waive the student health insurance plan, the form must be completed and submitted by the deadline date indicated or the student will be enrolled in and billed for the student health insurance plan.

Before you make the decision to waive the student health insurance plan we strongly suggest you read the "To waive or not to waive" and the "Value of Student Health Insurance Plans" section on this web page. These will provide valuable information to help make an informed decision regarding your health insurance options.

Quick Points To Consider

  • Make sure your current plan will cover your son or daughter while at school for care beyond emergency services - doctor's office visits, diagnostic testing, x-rays, prescription drugs, mental health visits, etc.
  • Check to be sure your current health plan's provider network includes doctors and hospitals near campus.
  • Look at your plan costs -- is the annual cost of the Student Plan less expensive than the cost of having your son or daughter as a dependent on your plan. Be sure to compare deductibles and total out-of-pocket costs, not just the annual premium.
  • Are there administrative pre-requirements, pre-certification, or Primary Care Physician referrals required under your current plan that may delay receipt of care for your daughter or son

If the decision is made to waive the student health insurance plan it is important to have a copy of your current health insurance ID card and a description of your plan's benefits readily available as you will need this information to complete the waiver form. When the form is completed and successfully submitted, a reference number will be received which confirms the form has been completed. The student will also receive the reference number by a separate email.

University of Maryland, Baltimore and Gallagher Student Health reserve the right to review submitted waivers and verify students have active and comparable coverage in the plan they declare on the form. If the waiver is selected for review the student will be notified via either communication from Gallagher Student Health or University of Maryland, Baltimore.

It is the goal of Gallagher Student Health and University of Maryland, Baltimore to make sure all students have access to medical care while they pursue their academic endeavors. Regardless of your decision to waive or enroll in the student health plan we wish you and your students a healthy and safe academic year.