Student Health Insurance

The Commonwealth of Massachusetts requires health insurance for all full-time students.

Williams College offers a comprehensive student health insurance plan through Blue Cross Blue Shield of Massachusetts (BCBS) at a very affordable price: $2,291.00 for 12 months of coverage.

  • The Williams College plan is fully compliant with the Affordable Care Act and provides access to health care providers and comprehensive benefits when you’re at Williams.
  • Care and services received from a BCBS participating provider are covered with no deductible and at 100%. Out of Network coverage is covered at 80% after a $250 deductible.
  • The plan is fully compliant with the Affordable Care Act and provides worldwide coverage, 24 hours a day, throughout the policy period, August 15, 2020 to August 14, 2021. (This feature can be especially reassuring to graduating students who may need a few months following graduation to secure employment.)

Unless you waive coverage by August 15th of each academic year, we will automatically enroll you in the Williams health insurance plan at a cost of $2,291.00 for the 2020-2021 academic year.

Use this checklist to help determine whether to sign up for Williams Coverage or  submit a waiver request. If Gallagher does deny your waiver request they will advise you the reasons. If after speaking with Gallagher you still have questions they will advise you on whom to call.

Spring 2021

We appreciate the current pandemic environment creates uncertainty about whether you are in Williamstown on campus or remote learning this Spring. Wherever you may be physically located, having health insurance is important to staying well and having coverage should you need it.  Participation in Williams College’s Student Health Insurance Plan (SHIP) is required by all eligible students unless a Waiver Form is completed and submitted each semester by the waiver deadline.

 

The deadline to submit a form is January 30, 2021

 

If you wish to be enrolled in the SHIP plan there is no need to take action because you will be automatically enrolled in the plan with an effective date of 2/1/2021.

 

How do I login to my Gallagher Student Health Account and waive SHIP?

 

Gallagher Student Health’s website can be accessed by visiting www.gallagherstudent.com/Williams.   You will need to create an account to login. An email from Gallagher Student Health was sent to your Williams email with a temporary password. Click on the link provided in the email and insert the temporary password. Once you login, click the waive button if you would like to waive the Student Health Insurance Plan. (If you did not receive a temporary password, you can choose the ‘Forgot your password’ option on the login page.)

 

To learn more about the Williams’ SHIP, the insurance requirements, or how to waive, go to www.gallagherstudent.com/Williams.  If you plan to waive, have your current health insurance ID card available as you’ll need that information.

 

To learn more about the Williams’ SHIP, the insurance requirements, or how to waive, go to www.gallagherstudent.com/Williams.  If you plan to waive, have your current health insurance ID card available as you’ll need that information.

For general information on benefits, on how to enroll, or services issues, contact Gallagher Student Health & Special Risk at (800) 406-5205 or visit gallagherstudent.com/williams.

Rest assured: students who waive the Williams insurance plan are entirely eligible and welcomed to use the Health Center. Whether you’re insured by the Williams plan or another policy, it is your responsibility to know and understand the terms and limitations of your insurance coverage.