Frequently Asked Questions
View frequently asked questions about health insurance in general and questions specific to the student health insurance.
Choosing Your Coverage
All students are required to have a U.S.-based Affordable Care Act compliant health insurance policy while attending Grinnell. You may maintain coverage through your existing parental or personal policy (as long as it provides comparable coverage in Grinnell, Iowa), or you may choose to purchase the College’s student group insurance. Some students elect to carry both the student group insurance in addition to their parental or personal policy as supplemental coverage.
It is a good idea to review your insurance policy so that you are familiar with what might or might not be covered while you are at Grinnell. Insurance policies vary widely in what they cover and what they exclude from coverage. Your health insurance plan needs to have doctors and hospitals in Grinnell, Iowa; cover you for services beyond emergency care which includes pharmacy, physician visits, mental health, surgery, diagnostic testing, maternity, preventive services; and does not have a high deductible.
The College does not benefit financially in any way when students purchase the student group insurance.
Unless you have confirmed that your current insurance provides excellent coverage for health and mental health services you may receive in Grinnell, we recommend that you consider purchasing the student group insurance, which is widely accepted in the community. This recommendation is based on seeing some students postpone or forego needed treatment because their insurance will not cover services here.
The deadline to elect coverage or complete the waiver form and receive credit is August 14, 2019.
Most services provided by Student Health and Wellness (SHAW) are free to students. Modest fees are charged for some services such as immunizations, HIV testing, and Plan B.
Your health insurance will be utilized for health, mental health, and pharmacy services provided off campus.
If you have comparable insurance that covers you in Grinnell, Iowa, then you have the option to waive out of the plan offered by the College.
The deadline to elect coverage or complete the waiver form and receive credit is August 14, 2019. Waiver forms will not be accepted after this date. When you complete the online waiver form, the cost of the insurance will be credited to your student billing statement.
If you neither enrolled in the plan nor waived coverage by the deadline, you will be enrolled.
To enroll or to waive coverage, visit the Gallagher website. If you elect to participate in this coverage, it is important to enroll in the plan as soon as possible to avoid any delays in securing your new policy information.
Unless you have confirmed that your current insurance provides excellent coverage for health and mental health services in Grinnell, we strongly recommend that you enroll in the student group insurance, which is widely accepted in the local and surrounding communities. Some students elect to carry the student group insurance as a supplement to their parental or personal policy.
Insurance Card and App
Students insured by the College will not receive physical insurance cards, but can access their information through the United Health Care app or print it off through the UHC or Gallagher websites. See Instructions for navigating the Gallagher site.
Insured students can find a preferred provider for medical services by using the following websites:
Any questions regarding information needed on the waiver form should be directed to Gallagher Customer Service.
Student Insurance plan coverage questions should be emailed to Dustin Smith with Ramsey Weeks or you can speak to him by calling 641.236.3141. You may also access plan coverage information at Gallagher Student Health. If you have questions, please call 844-269-4995 to speak to a customer service representative.