Wellness Center
Student Health Insurance
To ensure that students get the care they need to stay in class and avoid the potential hardship of incurred medical expenses, Elmhurst College requires all domestic and international, full-time undergraduate and graduate students, to have adequate health and accident coverage.
Pre-Enrollment and Waiver
All eligible full-time students are pre-enrolled in the school-sponsored health insurance plan, underwritten and serviced by Combined Insurance Company of America. However, domestic students have the option of maintaining primary coverage under a family employee plan or other private insurer instead. Enrollment for international students is compulsory.
The annual cost of the base plan is posted to the July tuition invoice and is payable unless the domestic student wishes to waive the annual cost by demonstrating proof of comparable coverage by the waiver deadline of September 15. Anyone who does not submit an online waiver form by this date will be automatically enrolled in the plan. After this deadline, students will not be allowed to discontinue coverage and receive a refund of the annual cost of coverage unless they withdraw from school due to military service.
About the Plan
The Gallagher Koster health insurance plan is a quality, low-cost plan with the following features:
- Annual coverage from August 1 to July 31
- Accident and Sickness base coverage up to $5,000 per condition
- Supplemental coverage included at 80% up to $50,000 per condition for eligible charges
- Local providers referred by the Wellness Center have no network restrictions
- Plan coordinates benefits coverage with other insurance, providing excellent excess or “gap” coverage
- Worldwide emergency travel assistance for study or travel abroad
- Non-insurance discount benefits for retail and mail order prescriptions, vitamins, supplements, cosmetics, dental and vision care.
- 24/7 Nurse Hotline
For more information, see the full plan brochure and description of the health and discount benefits. If you do not have the pass code access for the Elmhurst College page, you will be given an opportunity to request it.
Optional Supplemental Major Medical Coverage
Full-time students who remain enrolled in the base plan, and all part-time undergraduate and graduate students, have the option to voluntarily enroll in the supplemental medical coverage up to $50,000. The base plan must be purchased in conjunction with the supplemental coverage. International students are automatically enrolled in the supplemental coverage.
Contact Information
For questions about what’s covered, how to access benefits, enrollment concerns or replacement ID cards, contact:
Gallagher Koster
500 Victory Road
Quincy, MA 02171
(877) 210-5376
www.gallagherkoster.com/elmhurst
elmhurststudent@gallagherkoster.com
For questions about a specific claim or claims payment, contact:
Klais & Company
1867 West Market Street
Akron, OH 44312
(877) 349-9017
www.klais.com
klaisclaims@klais.com
To find a Preferred Provider:
MultiPlan
(800) 672-2140
www.multiplan.com
To learn more about the Gallagher Koster Complements Programs:
EyeMed Discount Vision Plan
(866) 839-3633
www.enrollwitheyemed.com
Basix Dental Savings and CampusFit
(888) 274-9961
www.basixstudent.com
To learn more about Worldwide Travel Assistance Services:
On Call International
(800) 850-4556
(603) 328-1713
www.oncallinternational.com
24-Hour Nurse Advice Line
On Call International
(800) 850-4556
