Health Center

Student Health Insurance

2012-13 Student Accident and
Sickness Insurance Plan Information

To ensure all full-time students have health insurance coverage, Hamilton College full time students are automatically enrolled in and billed for the Student Accident and Sickness Insurance Plan.

Not all insurance plans provide adequate coverage for students, ie: out-of state Medicaid plans, certain HMO's and managed care plans. If you have verified with your insurance carrier that you have adequate health insurance coverage, you can waive enrollment.

Benefits Summary:

Mandatory Accident -  100% of R&C up to $2500 per injury. All Hamilton Students are eligible for the mandatory accident plan whether enrolled into the student health insurance or not.
Plan Maximum: In and out of network is $500,000 for the 2013-2014 academic year.

Deductible:

In- Network: $100 Per policy year
Out of Network: $200 Per policy year

Deductibles are waived if health services referral provided.

Inpatient Hospital Miscellaneous Expense:

In Network: 80% of Preferred allowance after deductible.
Out of Network: 60% of allowable charge after deductible.

Surgical Expense (80th Percentile of MDR):

In Network: 80% of Preferred allowance after deductible
Out of Network: 60% of allowable charge after deductible.

Outpatient Physician Expense:

In Network: 100% of Preferred allowance after $15 copayment, after deductible.
Out of Network: 60% of allowable charge after deductible.

Emergency Room Services:

In Network: 80% Preferred allowance after deductible, $100 copay, waived if admitted.
Out of Network: 60% of allowable charge after deductible, $100 copay, waived if admitted.

Inpatient Psychiatric Expense:

Paid the same as any other Sickness up to a maximum of 30 days

Outpatient Psychiatric Expense:

Paid the same as any other Sickness up to a maximum 20 visits per Policy Year

Outpatient Pharmacy (Prescription) Program:

Prescriptions must be filled at a Medco pharmacy. CVS and Kinney Pharmacies participate with  Medco. For a list of additional participating pharmacies, please contact Medco at 1-800-711-0917 or www.medco.com
 

Retail - $10 co-pay for a 30-day supply of a generic drug and a $25 co-pay for a 30 day supply of a brand name drug up to policy maximum

Mail Order - 90 day supply for 2 co-payments for either generic or brand medicine. The policy per year maximum is maintained and will be combined with any separate retail prescriptions purchased and paid by the policy.

With enrollment of the student health insurance plan, you will also have access to: discounts for dental, eyewear, and fitness services.

For more information or questions regarding eligibility or benefits, contact Gallagher Koster customer service department at 1-877-308-0473 Monday-Friday, 8:30 a.m. - 6:00 p.m. EST or www.GallagherKoster.com/Hamilton.