Student Health Insurance

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Health Insurance fees will apply if proof of comparable health insurance is not provided.

It is the policy of Post University that all full-time students who have not provided the University with evidence of comparable insurance coverage be automatically enrolled in and billed for the Student Accident and Sickness Insurance Plan (Student Health Insurance Plan) at the University. The Federal government’s regulation under the Patient Protection Affordable Care Act (PPACA) has made student health insurance policies subject to certain insurance policy benefit mandates effective July 1, 2012. Post University must comply with these PPACA mandated plan changes, which may impact premium costs for students who use the Student Health Insurance Plan.

Please read the STUDENT HEALTH INSURANCE PLAN 2018-19 - LETTER TO STUDENTS AND PARENTS sent on March 26, 2018 or scroll down to learn more about the Student Health Insurance Plan and the Online Waiver Process.



STUDENT HEALTH INSURANCE PLAN

The Student Health Insurance Plan 2018-19 policy begins August 14, 2018, 12:01 a.m. and ends August 14, 2019 at 12:01 a.m. The Plan offers a full year health insurance plan that protects a student at school, at home, and while traveling or studying abroad  The plan administrator is Commercial Travelers, underwritten by National Guardian Life Insurance Company, and managed by Gallagher Student Health and Special Risk. The cost for the Annual 2018-19 Student Health Insurance Plan is $1,400. Plan information, including co payments, deductible amounts and benefit information (including any new Plan enhancements) are available at the Gallagher Student Health website, www.gallagherstudent.com/Post

If you already have insurance, please review your current policy or contact your insurer for answers to the following questions:

  • Is your plan fully compliant with the Affordable Care Act (ACA)? (i.e., most International policies are not fully compliant with ACA.)

  • Does your plan cover full - time students beyond the age of 19?

  • Will the student be covered away from home, or out - of - state, including in the Waterbury, Connecticut area?

  • Does your plan provide adequate coverage, coverage beyond emergency room services to include diagnostic x - rays and laboratory services, mental health coverage, prescription drugs, and inpatient and outpatient hospitalization?

  • Do you have a high deductible that needs to be met before full coverage begins?

If your current health insurance plan does not meet the above criteria or provide the level of benefits offered by the Student Health Insurance Plan, we strongly encourage you to purchase the Plan offered through the University. If you do have insurance that meets the above criteria, you need to complete a waiver. Unless you complete a waiver, the cost of this annual insurance plan will be automatically added to your account bill and Post University will remit the premium to Gallagher Student Health on your behalf.

ONLINE WAIVER PROCESS

If you wish to rely on your own insurance policy instead of the University Plan, you must waive your participation in this program by October 8, 2018. If you do not waive coverage by October 8, 2018, you will remain in, and be billed for, the Post University Student Health Insurance Plan for the entire policy year.

IMPORTANT: After you waive the coverage online, please check back within 24 hours to understand what else may be required. If your waiver is approved, you will know; if your waiver is denied, the message will clearly state that your waiver was denied and you may need to take further action (such as upload information to provide additional proof of your current coverage). If you do not resolve any pending issues, you will be enrolled and billed for the student insurance coverage. To learn more about the Plan or to waive your coverage, visit www.gallagherstudent.com/Post.

NOTE: You must have your Post University Student ID number to waive coverage on the Gallagher Student Health site. Your Student ID will be provided to you when you register for your F all semester classes. If you have questions about obtaining your Student ID number, please contact Office of Student Finance at 203.596.4527. You also may contact Gallagher Student Health directly at 888.538.0398 with questions. Customer service agents are available to assist you Monday through Friday, 8:30 a.m. to 7:00 p.m. (EST).