STUDENT ACCOUNTS

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. 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 underwritten by MVP Healthcare. 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 Tips: The opt in deadline for annual enrollment for the 20-21 academic year is September 15, 2020. Only those students who opt to enroll will be billed $3,196.00 for the annual premium. The premium is for the annual policy period is August 1, 2020 - July 31, 2021.

Please note: Annual coverage begins on August 1, 2020. Students must actively attend classes and be considered as a full time fall registered student for the first 31 days of insurance coverage (the month of August 2020). Students who do not meet the eligibility requirements will have their coverage terminated retroactively to August 1, 2020.

The opt in deadline for Spring only enrollment is February 28, 2021. The Spring term policy premium is $1,864. The premium is for the policy period of January 1, 2021 - July 31, 2021.

Please note: Spring term only coverage begins on January 1, 2021. Students must actively attend classes and be considered as a full time spring registered student for the first 31 days of insurance coverage (the month of January 2021). Students who do not meet the eligibility requirements will have their coverage terminated retroactively to January 1, 2021.

Highlights of the 2020-2021 Opt-In Student Health Insurance Plan underwritten by MVP Healthcare include:

  • Unlimited policy year maximum
  • Low annual deductibles: $200 per insured In-Network, $500 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 gallagherstudent.com/hws.
  2. Click on ‘Opt-In Form.’
  3. Log in. 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 $3,196.00 upon enrollment for the annual plan or $1,864 for the spring term plan.

Health Insurance - for International Students

Hobart and William Smith Colleges require our international students to be automatically enrolled in the annual Colleges' international student insurance plan. This coverage is mandatory and as such there are no waiver options. The international policy is billed on a term basis. The Fall term policy will be billed at $730 and runs from August 1, 2020 through December 31, 2020. The Spring term policy will be billed at $1,022 and runs from January 1, 2021 through July 31, 2021. More information is provided on the Gallagher Student Health & Special Risk website.

Please note: International coverage begins on August 1, 2020. Students must actively attend classes for the first 31 days of insurance coverage (the month of August 2020). Students who do not meet the eligibility requirements will have their coverage terminated retroactively to August 1, 2020.

Spring term coverage begins on January 1, 2021. Students must actively attend classes for the first 31 days of insurance coverage (the month of January 2021). Students who do not meet the eligibility requirements will have their coverage terminated retroactively to January 1, 2021.

Hubbs Health Center

The Hubbs Health Center is located on-campus and its services are designed for all minor injuries and unexpected illnesses. Please note that the students' insurance will be billed for services rendered at the Hubbs Health Center, including co-pays. Some injuries may require a referral to an outside physician or hospital, and students' insurance will be billed by these outside parties. Other services such as labs and blood draws will also be billed to the students' insurance.

Please visit their webpage to learn more about the services offered at Hubbs.

CONTACT

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

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

 

Preparing Students to Lead Lives of Consequence.