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Enrollment & Eligibility

Who is eligible for the plan?

Enrollment in a health insurance plan is required for all full-time Undergraduate students at Elmhurst College. To ensure compliance with this policy, students (as defined below), are automatically enrolled in and billed for the Student Health Insurance Plan unless proof of comparable insurance coverage is documented. Documentation is provided by completing a waiver form identifying the in-force comparable coverage and submitting it by the posted deadline. If a form is not submitted by the deadline, the student will remain enrolled in the Student Health Insurance Plan for the policy year.

  • All Full-Time Domestic and International Undergraduate students enrolled in 3 or more credit hours are automatically enrolled and will be billed for the Student Health Insurance Plan unless a waiver is submitted.
  • Graduate and Part-Time students may enroll in this plan on a voluntary basis. Visit www.gallagherkoster.com/Elmhurst for enrollment information and instructions.

How do I enroll?

Full-time Undergraduate students, who decide they would like to actively enroll in the plan, may do so by completing the following steps:

  1. Go to www.gallagherkoster.com/Elmhurst.
  2. Click on ‘Student Waive/Enroll’.
  3. Create a user account. Your user name is your student email address and your password is your Student ID.
  4. Select the Green ‘I want to Enroll’ button. Upon completing the form, you will be asked to review your information for accuracy and then click ‘submit’. Immediately upon submitting your online form you will receive a confirmation number. Please save this number and print a copy of your confirmation for your records.

It is recommended that all students submit an online insurance selection form, whether enrolling or waiving.

For Graduate students and Part-Time Undergraduate students:

  1. Go to www.gallagherkoster.com/Elmhurst.
  2. Click on ‘Student Direct Pay Enroll’.
  3. Create a user account. Your user name is your student email address and your password is your Student ID.
  4. Once logged in, you will need to select the ‘Grad/Part-time Student Enroll’ again to complete form.

All eligible students who do not submit an online waiver by the deadline will be automatically enrolled in the Student Health Insurance Plan.

How do I enroll my eligible dependents?

Dependents are not eligible to be enrolled in the Elmhurst College Student Health Insurance Plan.

Is there anything I need to know before waiving coverage?

Before waiving you should review your current policy, considering the following:

  • Will your current plan cover medical care beyond emergency services (i.e. doctor’s office visits, diagnostic testing, x-rays, prescription drugs, etc.) in the Elmhurst, IL area?
  • Does your plan have doctors and hospitals in the Elmhurst, IL area?
  • Check the cost -- is the annual cost of this Student Plan less expensive than the cost of being added as a dependent to your parents’ 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?

What about Health Care Reform? How does that affect my Student Health Insurance Plan?

If you are under the age of 26, you MAY be eligible to enroll as a dependent under the employer health insurance plan held by your parent(s). However, before you do so, you should fully compare the employer plan against this Student Plan to determine which plan’s rates, benefits and coverage are most appropriate for you.

In addition to the items mentioned above, keep in mind that Student Insurance Plans are generally less expensive than individual plans with similar benefits. In fact, your total out-of-pocket cost (including premium and deductibles) may be significantly LESS with this Student Plan, especially if your parents’ employer plan is considered a ‘high deductible’ plan.

How do I waive coverage under the Student Health Insurance Plan?

If you determine your coverage to be comparable and would like to waive the student health insurance plan:

  1. Go to www.gallagherkoster.com/Elmhurst.
  2. Click on ‘Student Waive/Enroll’ link.
  3. Create a user account. Your user name is your student email address and your password is your Student ID.
  4. Select the Red ‘I want to Waive’ button. When waiving the insurance, have your current health insurance ID card ready as you will need this information in order to complete the waiver form. Upon completing the form, you will be asked to review your information for accuracy and then click ‘submit’. Immediately upon submitting your online form you will receive a confirmation number. Please save this number and print a copy of the confirmation for your records.

Please Note:

  • It is very important that you enter the correct Student ID when completing the online forms. Your Student ID can be found in the lower left hand corner of your Jaypass. Waiver or Enrollment forms submitted with an incorrect Student ID may not be processed.
  • It is recommended that all students submit an online insurance selection form, whether enrolling in or waiving Insurance Plan Benefits.
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