Health Insurance


1. Health Insurance Requirement

2. Complete the waiver or enrollment process 

3. First Year and Transfer students information

4. International Student information

5. Health Insurance Grant application

6. Dental Insurance information/Options

7. Vision Insurance information/Options

8. Athletic/Sports Injuries Information

9. Study Away information

10. Graduate and Part-Time student information

1. Health Insurance Requirement

Trinity College requires ALL enrolled traditional undergraduate students have active health insurance coverage regardless of site of study.

To assist students/families who may have no/limited coverage available while on and around campus in Hartford, CT, Trinity makes available an annual undergraduate Student Health Insurance Plan (SHIP).  To insure universal, All undergraduate students are default placed in  and charged for the SHIP coverage. to the student’s tuition account. This gold level ACA compliant policy is underwritten by Aetna Student Health and managed by Gallagher Student Health and Special Risk.  A description of benefit coverage can be found at ​

Students/Families may elect to maintain their home coverage instead of keeping the SHIP by completing a waiver to opt-out which informs the health center of the other active coverage. The deadline to complete the waiver is July 31.  If you miss the deadline a $50 fee will be billed to your student bill to make any changes until the default enrollment date.  If no action is taken by the default enrollment date, no changes can be made to the annual coverage until the next open enrollment period next summer.  If you have any questions about the online waiver/enrollment process or about the Student Health Insurance Plan, please contact Gallagher Student Health and Special Risk toll free at 844-288-4917.

Students/Families who want to keep the SHIP coverage should complete the online enrollment form before the open enrollment deadline of  July 31 to activate your coverage. Timely enrollment gets your coverage active for the 8/1 initiation date. Until your enrollment is processed by Gallagher, you will not be able to use your insurance at a pharmacy or at a doctor’s office or hospital. 

Be advised that if your coverage originates outside of Connecticut, i.e HMO plans, state Medicaid plans, and state based exchange plans, you may want to consider enrolling in the SHIP because your insurance may not list the Trinity College Health Center (TCHC) and local providers around our campus  as in-network and therefore may not be paid in full for services rendered resulting in some out-of-pocket expense. 

The TCHC uses a fee-for-service billing model, similar to your physician’s office. There are charges for office visits, laboratory services, and pharmacy items. TCHC will file insurance claims directly to all insurance companies. Any and all charges deemed to be the “member responsibility” by your insurance company, such as deductibles, co-insurance, and copays, will be posted to the student’s account for payment. 

ALL students should carry insurance cards and prescription cards. The TCHC will copy the front and back of the insurance card at every visit. Should your insurance plan change, please provide your student with a current updated insurance card if no card is available at the time of the visit we will file a claim with the company you completed the waiver with and all unpaid charges will be applied to the student account. Please contact Lynn Stanley, Insurance and Billing Coordinator  if you have any questions, 860-297-2017.​​​

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2. Complete the Waiver or Enrollment process

  1. ​​Go to Gallagher Student Health and Special Risk website​ before the deadline of July 31.

  2. Click the Student Waive/Enroll button in the left margin

  3. Make your selection:

​​Waive- Choose this option if you have existing health insurance and do not want to supplement it with the Trinity's Student Health Insurance Plan.  

Enroll- Choose this option if you don't have existing health insurance or if you want to supplement your existing plan with the coverage provided by the ASH Plan.  This is very helpful for those who have high deductible plans or out of state HMOs.  Enroll to activate your coverage for the August 1 start date.  Those who are default enrolled for taking no waiver action will have a later commencement of coverage date.

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3. First Year and Transfer Student Information

  1. ​​Go to Gallagher Student Health and Special Risk website​ before the deadline and then annually in summer.

  2. Click the Student Waive/Enroll button in the left margin

  3. Make your selection:

​​Waive - Choose this option if you have existing health insurance and do not want to supplement it with the Trinity's Student Health Insurance Plan.  Insurance underwritten by companies outside of the United States and Medicaid coverage outside of Connecticut are not suitable coverage and cannot be used to waive out of the  Student Health Insurance Plan.

Enroll- Choose this option if you don't have existing health insurance or if you want to supplement your existing plan with the coverage provided by the ASH Plan.  This is very helpful for those who have high deductible plans or out of state HMOs.

Please contact us​ if you have any questions, 860-297-2017.​​

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4. International Students

 All students who study at Trinity on a J1 or F1 VISA must enroll (cannot waive) in the SHIP coverage based on citizenship/VISA requirements.  See below if financial aid is needed to help cover the cost.

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5. Health Insurance Grant

Some grants are available to students on financial aid who meet criteria. To apply for a grant complete this application​ and submit it to the Financial Aid office

SUBMIT COMPLETED FORM BY AUGUST 1, 2016 TO: Trinity College Financial Aid Office 300 Summit Street   Hartford, CT 06106 Telephone: 860‐297‐2046   Fax:  860‐987‐6296 Email: financial‐ ​

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6. Dental Insurance Options

Discount Plans  (not an insurance policy)

a. Every student enrolled in the Student Health Insurance Plan [SHIP] is also concurrently enrolled in a dental discount program, Basix Dental Savings and Wellness  This isn’t dental insurance but does provide reduced cost dental services near campus. For information follow the link above or call 844-288-4917.

b. Dr. Ravin, a local provider has an in-office plan with discounts and payment plans for any and all patients affiliated with Trinity College;

Hospital Dental Group Dr Ravin MBA DDS MAGD

85 Seymour Street, Suite 922, Hartford, CT  06106 (860) 431-0515

Purchase a Dental Plan:

a. Gallagher Student Health and Special Risk sells an individual dental plan.  You can view the plan benefits  at

b. Bailey Agency offers dental insurance plans in our area information can be viewed at or by calling 860-446-8255 X102.

Please check your dental insurance coverage or discount program for participating in-network providers.  Some providers in the area we refer to are:

Hospital Dental Group: 860-524-5194

Elmwood Dental Group: 860-236-6928

Peter G. Delaney, DMD. PC: 860-521-7129

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7. Vision Insurance Options

Discount Plans(not an insurance plan)

Gallagher Student Health  offers a free discount vision plan through EyeMed Vision Care to all students enrolled in the SHIP.  Please click on the following link to download the EyeMed Flyer. Click to print an EyeMed ID Card: EyeMed ID Card.

Purchase a Vision Insurance Plan

Gallagher Student Health 844-288-4917, the agent Trinity College works with to provide the student health insurance sells a dental policy with an optional Vision Policy for an additional $7.00. To view the benefits Vision Benefits and to enroll in the dental and vision policy click here Enroll Dental with optional Vision.

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8. Athletic/Sports Injuries

All athletes on a varsity Trinity team who are injured during a game or in-season practice should always report injuries to the College's Athletic Training Room Staff.  Contact 860-297-2575 with questions.

Trinity has an "Excess Coverage Policy" for athletic injuries which means costs for care from sports injuries should first be sent through primary/home insurance coverage for all eligible payment and then, outstanding bills should be submitted to Training Room Staff for payment through our Excess Policy.  

Division III athletes are covered by a catastrophic insurance plan provided through the NCAA.

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9. Study Away Coverage

The Office of Study Away administers an out of country Insurance coverage.  Contact 860-297-2005 with questions.

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10. Graduate Students and Part Time Undergraduates

The voluntary Trinity College Student Health Insurance Plan for Graduate and Part-Time Undergraduate students will not be available for the 2016-2017 academic year or moving forward.  For those enrolled in the 2015-16 Plan, coverage will terminate on July 31, 2016.  Note for students currently enrolled in the 15-16 Plan: Your loss of coverage when this Plan expires on July 31st,  would be considered a qualifying event in order to join another insurance plan outside of their regular open enrollment period.  If you have any other benefit questions regarding your 2015-16 health insurance plan, please contact the Customer Service Department at Aetna Student Health at 866-725-4433.

Though this particular plan will no longer be available, you should be aware of options that you have in order to maintain health insurance coverage while attending Trinity College.

  1. Coverage under a parent’s employer insurance plan: For those under age 26, you may qualify to enroll as a dependent on the health insurance held by a parent. Please contact the employer for further details.
  2. Individual coverage through your state insurance marketplace: Coverage is available for individual enrollment through the insurance marketplace in the state in which you are a permanent resident.  For CT visit review the plans that you may qualify for. Depending on your household income, you may also qualify for a subsidy for coverage purchased through your state marketplace.
  3. Shop for "Individual health insurance plans" available on the open market (outside of the official state marketplace) I.e.,, etc.

As you consider your options, please keep in mind the following: 

  • PREMIUM: While many plans offer “cheaper” premiums, look at the deductibles, copays, and coinsurance as lower premiums frequently result in higher out-of-pocket costs and limited networks. Before making your decision, consider your entire potential out-of-pocket cost to determine the best value for your individual needs.
  • NETWORK: Does the network for the Plan extend to the Hartford, CT region? Are the doctors you already see considered in-network?  If you are an out-of-state student, pay special attention to networks that offer limited HMO networks as these will likely not cover you in CT.
  • DEDUCTIBLE (the amount you must pay before insurance coverage begins): Is this an amount you are prepared to pay before coverage can be accessed? 
  • COINSURANCE (the amount insurance pays after the deductible is met):  Be aware of this coverage as you are responsible for the amount after coinsurance is applied. For example, if your plan has 70% coinsurance, you would be responsible for the remaining 30% of charges for services received.
  • COPAYS: What is your copay for a doctor’s office visit? Specialist visit? ER Visit? Prescription Drugs? 

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