Student Health Insurance 101 Laura Burkhart MD, MPH Staff Physician Zerfoss Student Health Center

United States Healthcare One of the most comprehensive care systems in the world Also one of the most expensive systems in the world Required to have insurance in the United States and at Vanderbilt University Not government funded; must be paid by individual

Health Insurance You need insurance! You can enroll your children or spouse in Gallagher Koster

When Will You Need Insurance? Specialists outside Student Health Emergency care after-hours Lab tests Medications

What Happens When You Use Your Insurance Always have your insurance card with you. You will need to present this for verification at all appointments The Emergency Department will require the $100 co-pay at time of visit You will receive a bill for services received, including lab work, testing, and medications You will also receive a Estimate of Benefits(EOB) statement in the mail This explains what you were charged for and an estimate of what you may receive a bill for May request that you complete a form for additional information

Insurance Cards You can print these from the Gallagher website www.gallagherstudent.com/vanderbilt Sign In Generate ID OR come to the Student Health Center and you can get assistance with printing

References www.gallagerstudent.com/vanderbilt https://www.vumc.org/student-health/

Vanderbilt Student Insurance Representative Assists with waivers, billing and EOB questions, general concerns Kristy Miller Located at the Vanderbilt Student Center 615-343-4688 Kristina.miller@vumc.org