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

2. 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

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

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

5. 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

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

7. References www.gallagerstudent.com/vanderbilt

8. Vanderbilt Student Insurance Representative
Assists with waivers, billing and EOB questions, general concerns
Kristy Miller
Located at the Vanderbilt Student Center