Health Insurance is mandatory for all residential and international students.

Policy Overview

View a brief overview of our health insurance policy is available.

School Insurance Information

August 10, 2020 – August 9, 2021

Commuter students may voluntarily elect to enroll in school insurance but are not required to do so. Students may only enroll during the open enrollment period unless there is a qualifying event.

All residential and international students must have insurance. Please see below for full details. Any individual losing their health insurance may qualify to pick up the school insurance if they contact us within 30 days of their insurance loss.

The insurance carrier is Wellfleet and the plan is administered by Gallagher Student  Health & Special Risk. To view the plan please visit You can navigate through this site for all information or contact the company’s customer service department directly for further details at 833.821.2337.

Please be aware that for an additional fee the plan also includes discounts on vision and dental insurance for Add-On Coverage options please go to

Insurance Fees

Fees for the 2020-2021 academic year school insurance are $2,991 (You will be billed in the Fall semester $1,184.00 and the remaining amount in the Spring semester $1,807.00), which provides coverage from August 10, 2020–August 9, 2021. Once enrolled in the fall, students are automatically enrolled into the spring semester and billed for the remaining fee unless they withdraw or graduate from the University.

Fees for students entering Adelphi University for the FIRST TIME in the spring semester are $1,807 and provides coverage from January 1, 2021–August 9, 2021.

Billing: Insurance fees are billed directly to the student’s tuition statement and is listed as “Medical Insurance Plan.” If you have comparable insurance and want to waive the school plan you MUST do so by the above-indicated deadlines. There are NO exceptions.

Waiver Instructions and Requirements

The waiver will open prior to August 1, 2020 and will close October 1, 2020. 

You may elect to waive the school insurance if you have comparable coverage that is active.  All students must provide proof of their coverage when requesting a waiver.  This policy must meet the following requirements (this applies to all residential and international students attempting to waive the school insurance.):

Residential domestic and international students must meet all ACA guidelines, including but not limited to:

  • Unlimited plan maximum
  • Medical Evacuation: $50,000 maximum per Covered Person
  • Repatriation of Remains: $25,000 maximum per Covered Person
  • Co-insurance: no lower than 80% In-Network / 60% Out-of-Network
  • If your policy does not meet these requirements, your waiver will be denied.

Waiver Deadlines for Upcoming Academic Year 2020-2021

The insurance waiver deadline for fall 2020 enrollees is October 1, 2020.

New mandated students for Spring 2021 may apply for an insurance waiver between January 1 and March 1, 2021. This waiver request only covers the spring enrollment period, if the student continues in the fall as resident or international they must repeat the waiver process annually.

Anyone applying for a waiver must keep a printed copy of their waiver application confirmation. It is the student’s responsibility to provide this confirmation in the event there is an issue with the waiver. Students must also monitor the email address used to process the waiver for communications from the insurance company. If a waiver is denied the insurance company will communicate directly with the student via the email address used at the time of the waiver application.

Please note: You will need your Adelphi student username and password to access the waiver form.

Before attempting the waiver process, you will need the following information:

  1. Your current insurance card (front and back).
  2. The card must have the insurance ID number on it.
  3. Your school ID number.
  4. An email address that you will monitor for correspondence from the insurance company regarding the status of your waiver.
  5. International students will be asked to upload a copy of their actual policy documents to the waiver site.

When completing the application please be extremely careful when entering your policy number and phone number and double-check this information before submitting. Accurate information is essential to the waiver being granted.

Open Enrollment Deadlines

  • Fall semester enrollment begins prior to August 1, 2020 and ends on October 1, 2020.
  • Spring semester enrollment begins January 1, 2021 and ends on March 1, 2021.

Anyone mandated to have the school insurance for fall 2020 must waive prior to October 1, 2020. New residents and international students mandated for spring 2021, must waive by March 1, 2021.

Enroll or Waive Your Health Insurance

Please note: You will need your Adelphi student username and password to access the waiver or enrollment forms.

Please review the plan so you understand your full benefits.

Voluntary Insurance Enrollment

If you are a commuter student who wishes to enroll in the school insurance, you must be a registered student with a minimum of one credit or a doctoral student registered for dissertation guidance. Any student can enroll during open enrollment periods. The insurance is also open at any time to a student who has a qualifying event and must enroll within 30 days of such event. Please note that continuing education courses do not qualify as a registration to be on the school health plan.

Payment for Voluntary Enrollment

When you process the enrollment form, your student account will be charged for the cost of the insurance within one to two weeks. You are responsible for paying the fee in person at the cashier’s office on the Garden City campus or paying online through your student account with a credit card. Payment cannot be accepted at the Health Services office in Garden City. If you wish proof of insurance immediately after enrolling, you may print an ID card online.

Failure to pay the fee does not relieve you of this responsibility. If you do not pay your bill in a timely fashion (within 30 days) you may be assessed late fees by the University and a financial hold will be placed on your account preventing you from registering for future classes, graduation or receiving official transcripts.

All questions regarding the student health insurance should be directed to Gallagher Student Health & Special Risk at 833.821.2337 or visit their website at

Please see FAQ for further instructions or questions


Gallagher Student Health & Special Risk
500 Victory Road
Quincy, MA 02171

Student Insurance

Carol Giaconelli, Administrative Assistant 2
Phone Number
Waldo Hall First Floor

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