The Commonwealth of Massachusetts mandates that every student is enrolled in a qualifying health insurance plan. Amherst College offers an insurance plan underwritten by Blue Cross Blue Shield and managed by Gallagher Student Health & Special Risk insurance (known as Gallagher Insurance) to enrolled students. 

the student insurance health forms, insurance waiver, and other materials will be available at the GALLAGHER INSURANCE website january 10th until february 11, 2022. 

The current fall semester Gallagher student insurance coverage is effective from August 15, 2021 to midnight August 14, 2022.  Those that sign up for the spring semester, the coverage begins January 5 for spring coverage. 

If a student's medical needs requires them to be seen by a private medical office (a provider who is not part of the Keefe Health center staff) the student is responsible for any co-payment that may be due at the time of visit. We advise to call your insurance company to confirm your insurance benefits.

Students are required to present their insurance information at the time of medical appointments.  


- important that you submit by the due date to avoid being charged for the student insurance

- If you have a state medicaid plan in a state other than Massachusetts - it most likely will not cover you here so you will not be granted a waiver and will be enrolled in the student insurance

If a student loses their private insurance due to a life event - you can add the student insurance within 60 days by completing a petition to add (link here)

If you have a preferred name that is different from your legal name - all your prescriptions, lab work and referrals still need to be in your legal name.  If your legal name is not used - then the insurance will not cover the service.  

It is important we have accurate insurance information on file at the health center to ensure you don’t receive bills for services that your insurance would cover.  You can upload your insurance through our patient portal (link).  ? way to check their coverage?

Prescriptions that are covered by the student health insurance are subject to co-pays.  
Reproductive health $0
Tier 1 = $15
Tier 2 = $30
Tier 3 = $50
Tier 4 = $100

Help Center - Gallagher Student Health and Special Risk - videos

Please take time now to set up your app-

My Account: Link to the Blue Cross Blue Shield 'MyBlue Member' App to access your digital insurance ID card,



There will be a $10 office visit copay for medical appointments off campus. Excluded from this are outpatient mental health visits and preventive care services. These are at no cost when you use in-network providers. Preventative care visits at no cost include routine physicals and examinations, yearly eye screenings, GYN examinations, and most immunizations.

Please visit the Frequently Asked Question page on the Gallagher website for more information. 

Health Scholarship

Students who receive scholarship aid from the College may request additional grant aid to pay for the College’s health insurance plan if their family does not have health insurance or substantially equivalent coverage that is available in the Commonwealth of Massachusetts. A “Request for Scholarship–Health” form should be completed and submitted to the Office of Financial Aid; it is available in the “Forms and Helpful Links” section of the Office of Financial Aid website.

If you are experiencing trouble with Gallagher and/or your policy, please contact Gallagher at 1-800-379-6183. If you are not able to reach anyone at Gallagher, or have any BCBS questions or issues, please contact Blue Cross Blue Shield at 1-800-253-5210. Please note, due to COVID - Gallagher student insurance has been experiencing a large volume of calls/inquiries and wait times and getting answers may take longer than normal. If you continue to have difficulty logging in, waiving, or enrolling on the Gallagher website report this to . They will report this to Gallagher to address the problem.