Instructions to Waive or Enroll
During the designated Waiver period, Gallagher Student Health will post an online "Waiver" form. This form allows students to declare their intention to waive in the student health insurance plan. This form must be submitted by the posted deadline.
Logging In
Your school requires students to log in through the MySwarthmore portal in order to access any online form(s).
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 your intent is to enroll in the student health insurance plan, it is strongly recommended that 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 waiver 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.