Health Insurance

Student Health Insurance 

All full-time matriculated undergraduate Trinity College students are required to maintain health insurance that is comparable in coverage and benefits to the College-sponsored plan.  All students will have the Student Health Insurance premium on their student account bill pending the decision to enroll or waive out (online through www.gallagherstudent.com/trinity). If you wish to use your personal or family health insurance while attending Trinity College, you must waive the College-sponsored plan to avoid being charged. Students with out-of-state Medicaid, HMO plans with no network coverage in Connecticut or coverage for emergencies only do not have comparable coverage and therefore will not be allowed to waive out.​

 

How to waive/activate the health insurance program: [You should have access to your Trinity email, student ID number and insurance card available]    


NEW USERS

1. Go to Website:  www.gallagherstudent.com/trinity​ 

2. Under the "Student Access" menu on the left side of screen, click on "Full-Time Undergraduate Student Waive/Enroll" 

  • To Waive Out:  Select "I want to Waive"

  • To Activate/Enroll:  Select "I want to Enroll"

3. Login:

  • Username is your Trinity email address, ex: john.smith@trincoll.edu

  • Initial Password is your Trinity student ID 7-digit number with 2 lead zeros (ex: 007123456), for a total of 9 digits.  If you do not know your student ID number, you can find it at the top of your task list on the Student/Starting Out Portal .  If you cannot access your Trinity email address call the Help Desk at 860-297-2100.

  • Upon first logging in, you will be asked to reset your password. Instructions will be sent to your username /school email address. Once reset, you will be able to log in with your new password. 

RETURNING USERS

If you are a returning user, your password was changed to the password you previously chose. If you have forgotten your password, please click the 'Forgot Password' link to have a password reset link sent to your Trinity College email address.

  • You will then be prompted to create a unique password 

  • NOTE:  Once you have created your “unique” password, it will be used for the annual process to waive/enroll, as applicable.

  • Complete the information on the next two screens.

  • Click submit.

  • IMPORTANT:  Print or save your confirmation page as record of waiver/activation request. 

  • Please read instructions carefully, as your Gallagher Student user account is different than any of your Trinity College accounts. 

If you need assistance with the log in process, please contact Gallagher Student Health by calling 844-288-4917.


Important dates:

August 4th  -  Deadline to waive without fee

August 5th to September 12th - Petition to waive period. If petition is granted, there will be a $50 fee.  If petition to waive is not granted,  insurance premium remains due and coverage remains active.

September 13th - Coverage remains for the annual policy, no petitions will be acepted after this date.​


Topics


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


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4. International Students

 All J1/F1 VISA  students will be automatically enrolled in an ISO insurance plan .  Details are available through the International Student Advisor's Office.  If financial aid is needed to help cover the cost complete the health insurance grant application through the link below.

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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 4 to: Trinity College Financial Aid Office 300 Summit Street   Hartford, CT 06106 Telephone: 860‐297‐2046   Fax:  860‐987‐6296 Email: financial‐aid@trincoll.edu ​

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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 www.basixstudent.com.  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

http://www.hospitaldentalgroup.com/trinity

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 www.GallagherStudent.com/Dental.

b. Bailey Agency offers dental insurance plans in our area information can be viewed at http://trinity.dental-enroll.com 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
www.hospitaldentalgroup.com

Elmwood Dental Group: 860-236-6928
www.elmwooddentalllc.com

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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 www.gallagherstudent.com/dental 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 www.AccessHealthCT.com 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. Cigna.com, BCBS.com, 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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