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Waiving Coverage

Students can waive coverage by completing the waiver section of the Online Waiver/Enrollment Form.

International Students

International students can not waive coverage unless they are currently insured by a plan of comparable coverage underwritten by a U.S.-based carrier.

Considerations

Before waiving you should review your current policy to be sure that it provides comparable coverage by considering the following:

• Will your current plan cover medical care beyond emergency services (i.e. doctor's office visits; diagnostic testing, labs and x-rays; and prescription drugs) in the Five College area?
• Does your plan have a high deductible that must first be met before your plan will pay for services received?
• Does your health plan have doctors and hospitals in the Five College area?
• Will your current plan cover inpatient and outpatient mental health and counseling services in the Five College area?
• If you are able to receive care, will you have to pay upfront and then seek reimbursement?

Waiving Instructions

After reviewing these considerations, if you wish to waive coverage,

1. Log onto www.gallagherkoster.com/Smith
2. Your username will be your Smith College e-mail address. Your password will be your Smith college ID number. If your ID number is less than nine digits, add zeros to the left (e.g., 123456 becomes 000123456).
3. Select "I Want to Waive/Enroll" 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.
4. 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.