- Who is eligible for the plan?
Students: Only SIUC students taking on-campus courses are eligible for the Student Health Insurance plan. Students taking only on-line/distance education/web based courses are not eligible for the plan. SIUC faculty and staff are not eligible for the student health insurance plan. Students who are Medicare eligible prior to the beginning of the plan year are not eligible for the student health insurance plan. Students who waive the student health insurance plan are not eligible to be added back to the plan in the same year unless they experience a qualifying event such as unintentional loss of health insurance or aging out (i.e. turning 26) on another health insurance plan.
Dependents such as spouses/domestic partners and children are eligible for the student health insurance plan only through an eligible student. If a student becomes ineligible so does any associated dependents.
- How do I waive and get a refund?
If you want to waive the student health insurance plan, the process must be completed by the posted deadline or the student will be automatically enrolled and unable to receive the refund for the student insurance fee until the following Spring or Fall term. The waiver process needs to be completed only one time each plan year. All International Students must visit the Student Health Center to complete the waiver process. Intercollegiate athletes are not eligible to waive the Student Health Insurance plan and must remain enrolled. All other US Citizens/ Permanent Resident students should use the on-line form to waive the insurance as follows:
- Click the link on the upper right corner of this page labeled "BEGIN YOUR REFUND OR ENROLLMENT." (Link goes live on 7/16/18)
- Log in using the instructions provided under "Student Login" on the upper right hand corner
- Select the "I want to waive" button and complete the form
- Review the information and click "Submit." Immediately upon submitting your Online Form you will receive a reference number to verify form receipt.
Waiving the student health insurance plan does not exclude access to the on-campus Student Health Center.
- How do I enroll myself?
If it is your intent to enroll in the student health insurance plan, it is strongly recommended you complete the online enrollment form as soon as possible. Doing so assures you have access to benefits on the effective date of the policy. If you do not actively enroll yourself, you may not have access to your benefits until after the terms open enrollment and waiver period has ended and the automatic enrollment process is eventually completed. This active enrollment process should be completed each Fall and Spring as follows:
- Click the link on the upper right corner of this page labeled "BEGIN YOUR REFUND OR ENROLLMENT." (Link goes live on 7/16/18)
- Log in using the instructions provided under "Student Login" on the upper right hand corner
- Select the "I want to enroll" button and complete the form
- Review the information and click "Submit." Immediately upon submitting your Online Form you will receive a reference number to verify form receipt.
Students may be eligible to enroll after their open enrollment/waiver period only with a qualifying event such as losing or aging out of their insurance coverage. Contact Gallagher Student Health for the application process at 888-538-0602.
Once the enrollment process is completed you are no longer eligible to waive the plan and must remain enrolled for the entire plan year if eligible.
- How do I enroll dependents?
Dependent coverage must be purchased for the same time period as the students and cannot exceed the student’s period of coverage. Dependent enrollment must be completed by the deadline of the academic terms open enrollment/waiver period as follows:
- Go to www.gallagherstudent.com/siu.
- On the left toolbar, click "Dependent Enroll."
- Log in by following the instructions on the website (if you haven’t already).
- Follow the instructions to complete the form and submit payment.
- Print or save a copy of the confirmation page.
Dependents may be eligible to enroll after the open enrolment/waiver period only with a qualifying event such as marriage, divorce, birth of a child, or dependent entering the country for the first time. Contact Gallagher Student Health for application process at 888-538-0602.
- Do I need Health Insurance to access the Student Health Center?
No, you are entitled to use all the services at the Student Health Center because you were assessed the non-refundable Student Health Fee as part of fees. Most visits are charged a $10.00 door fee and can be paid by the following methods:
Charges vary for Dental and Pharmacy services.
- Is the Student Health Insurance Plan primary or secondary coverage?
The Student Health Insurance Plan provided by Aetna is a coordination of benefits plan and in most situations will be primary.
- Do I have to apply for an insurance waiver every semester?
Once a refund is requested online in the Fall semester and granted, you are exempt for one entire year. If you are entering SIU in either the Spring or Summer semesters, you may apply for the refund for that semester, but will need to apply again in the Fall. Then you will be exempt for one year.
