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Student Health Insurance


Students who decide they want to actively enroll in the plan may do so by completing the following steps:

  1. Visit www.gallagherkoster.com/Smith
  2. Click on "Student Waive/Enroll Forms"
  3. Log in using your student e-mail address as your username, and student ID number as your password
  4. Select "I want to Waive/Enroll." 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.

Enrolling Dependents

Students may enroll their eligible dependents online for an additional premium by visiting www.gallagherkoster.com/Smith, selecting "Dependent Enrollment" and completing the form.

Dependents must be enrolled by the deadline which is 30 days from the effective date of the policy, or within 31 days of a qualifying event (e.g. marriage, loss of coverage through an employer).

Default Enrollment

All students who do not submit an online decision form will be automatically enrolled in the student insurance plan. However, it is recommended for all students to complete and online decision form whether they are enrolling or waiving the plan.

Please note: Students who do not actively enroll in the health insurance plan but passively enroll in the plan by failing to complete the decision form may experience a delay in their receipt of services.

ID Cards

Print an ID Card

Go to www.gallagherkoster.com/Smith, select "Authorize Account," located to the left of your screen under Account Information and entered your Student ID number along with your date of birth. Once your account has been authorized, select "Account Home" and click on "Generate ID Card."