Health Insurance - for Domestic Students

Hobart and William Smith Colleges expect all students to carry medical insurance. Insurance may be obtained through the Colleges or through family or individual policies. This coverage is essential for health care services provided outside the Student Health Center. HWS strongly urges students and their families to check the details of your insurance policy to make sure it provides adequate coverage in the Geneva, NY area. Not all insurance policies cover students outside their home "network". If your policy does not adequately cover services provided in the Geneva area, we strongly urge you to consider opting into the student health insurance plan. Just take a few moments to be sure your coverage is adequate by contacting your health insurance carrier if you have one, and by reviewing materials provided on the Gallagher Student Health & Special Risk website. Important Tip: The opt in deadline is August 15, 2018. Only those students who opt to enroll will be billed $3,314.00 for the annual premium. The premium is for the policy period of July 1, 2018 - June 30, 2019.

Highlights of the 2018-2019 Opt-In Student Health Insurance Plan underwritten by CDPHP include:

  • Unlimited policy year maximum
  • Low annual deductibles: $200 per insured In-Network, $400 per insured Out-of-Network
  • Coverage at 90% In-Network and 70% Out-of-Network
  • In-Network Physician’s Office visits covered at 100% after a $25 copay

To OPT-IN please follow instructions below:

  1. Go to
  2. Click on ‘Opt-In Form.’
  3. Log in. Returning users can use their HWS email as their user name. If you forgot your password, click the ‘Forgot Password’ link to have a reset password email sent to your HWS account. New users can create an account by following the instructions on the site.
  4. Select the ‘I want to Opt-In’ button. Complete the form. Click ‘Continue’ at the bottom of the form. You’ll be asked to review your information and click ‘Submit’. Upon submitting your online form you will receive a reference number. If you do not receive a reference number, your form was not successfully submitted. The student account will be billed $3,314.00 upon enrollment.

Health Insurance - for International Students

Hobart and William Smith Colleges require our international students to be automatically enrolled in the annual International Student and Scholar (ISS) insurance plan provided by United Healthcare. This coverage is mandatory and as such there are no waiver options. The 2018-2019 annual cost is $1,574.00 and will be billed at $787.00 per term. Annual policy runs from July 1, 2018 - June 30, 2019. More information is provided on the Gallagher Student Health & Special Risk website.


Student Accounts Department
Hobart and William Smith Colleges
300 Pulteney Street
Geneva, NY 14456
(315) 781-3343

Office Hours: Monday - Friday 8:30am - 5:00pm
(summer hours: 8:30am - 4pm)


Preparing Students to Lead Lives of Consequence.