Insurance and Billing

Health and wellness Center Charge Policy

When you are seen by one of our health care providers, you are not charged an office visit.

You will be charged for RX medications, lab/blood tests, vaccinations, and simple procedures. These charges are then billed to your account through the Student Accounts Office.

Itemized statements are available by signed request form from you, which is available at the HWC front desk. These itemized statements may be submitted to your own insurance company for reimbursement. If you are enrolled in the Aetna Student Health Plan through the college, these charges will be submitted to Aetna for you with reimbursement going to your student account in the Student Accounts Office.

Traveling Abroad?

Travel Insurance Information
Suggestions on addressing your health insurance and travel assistance needs. If you have the Aetna Student Health Policy, it provides excellent coverage for medical evacuation/repatriation and emergency return home in the case of death or serious illness of a parent or sibling.

Health Insurance Coverage for 2013-2014

Macalester students are required to show proof of their personal/family health insurance coverage for 2013-2014 or they are billed for the insurance offered by the college.

ALL STUDENTS (new & returning) MUST EITHER WAIVE OR ENROLL IN THE POLICY ON-LINE BETWEEN JULY 15, 2013 and SEPTEMBER 4, 2013. To complete this:

To waive the student health insurance plan for 2013-2014:

1. Visit Gallagher Koster (Aetna) web siteand click on "Student Waive/Enroll". The Gallagher Koster site updates for 2013-2014 will be posted in July 2013. Check back frequently after July 15th.

2. Log in using your Macalester College email address as your User ID and your Macalester College Student ID as your password.

3. Select the Blue "I want to Waive/Enroll" button. When waiving coverage, have your current health insurance ID card ready as you will need this information in order to complete the waiver form. Immediately upon submitting your online Waiver Form you will receive a confirmation number.

Cost for 2013-2014 is $1,989.00.

Students are charged on the July 2013 tuition statement for the insurance offered by the college. If students waive insurance before the July statement, the charges will be removed from the first statement; there may be a gap between the deadline to enroll/waive and the billing cycle and so the charge may show on your August statement even if you withdraw by the deadline. If students fail to either enroll or waive by 9/4/13, they will be considered enrolled and charges stay. We are happy to confirm your policy status for you if you have any questions.

Health Services strongly advises students to check any existing policies that they may be covered under to determine if they will be adequately covered while at Macalester. This is particularly important for mental health coverage which tends to have more limitations.

For questions regarding the waiver status, coverage, or insurance requirements, please contact Gallagher Koster by email health@macalester.edu.

Paying Medical Bills

You may have submitted those medical charges to insurance but until the insurance pays your health care provider, YOU are responsible! If you ignore the bills, they can send you to collection - not fun and hard on your credit rating. And even if your parents are the ones taking responsibility for those bills, if providers aren't paid, it is YOUR name that is on everything. Talk to the provider and if necessary, arrange for small monthly payments.

Changes in Dependent Status

Dependent Health Coverage by State

Many states have recently enacted legislation changing the age requirements for health insurance coverage for dependents, including Minnesota. Minnesota policies must now cover unmarried dependents under the age of 25, whether they are students or not (effective 1/1/08). New policies enacted in the Health Care Reform Act will find this changing as well, covering students up to age 26 (effective September 2010). Always check with your current insurance provider for details on your coverage.