Insurance

The plan offers comprehensive benefits that include hospital room and board, inpatient and outpatient surgical procedures, labs and x-rays, chemotherapy and radiation, inpatient and outpatient mental health services, physician office visits, consultant visits, ambulance, emergency care and prescriptions.

• Co-pays apply to off-campus medical appointments.
• You may make certain types of routine (non-urgent) appointments by calling 413-585-2800. (Note: do not use the student portal for urgent or time-sensitive requests. Call us for prompt assistance.)
• If you are ill and want to speak to a nurse, call 413-585-2800.
• The plan is effective from August 15 to August 14 of every year. There is no option to continue coverage after graduation.
• You can download a verification letter and get other helpful information about coverage, limitations and exclusions at Gallagher Student Health.

• All care is confidential. (An exception is made in the case of life-threatening or other health and safety emergencies.)
• There is no office visit charge to be seen at the medical or counseling service for any Smith student, regardless of insurance plan.
• Immunizations are covered by the Student Health Insurance Plan.
• There are charges for crutches, immunizations, and some limited medical procedures. Student accounts will be billed for these items.
• Deductible fees apply to any lab test, x-ray, CT scan, MRI, or other tests that are ordered.
• Co-pay fees apply to prescriptions. Most brands of generic contraceptives are covered without cost or co-pay under the Affordable Care Act. Prescription medications are covered within the plan limits with a four-tier structure for co-pays ($15/$30/$50/$100).
• Learn more about fees at the Schacht Center

All students are automatically enrolled in the Student Health Insurance Plan. 

All students are required to complete the online decision form on the Gallagher Student Health website. Further information about the insurance plan, waivers, and related deadline will be posted on or about July 1 by the Student Financial Services office.

Questions related to waiving or accepting Student Health Insurance should be directed to Gallagher Student Health or Student Financial Services via email to sfs@smith.edu.

Off-campus providers should bill the claims administrator directly. The billing information is on the back of your health insurance ID card. However, if you do receive a bill or you paid for a service and need to be reimbursed, you should send a claim form requesting reimbursement to:

Gallagher Student Health
500 Victory Road
Quincy, MA 02171
800-456-3753
Email: SmithStudent@gallagherstudent.com