Frequently Asked Questions

How will I be notified of the Enrollment/Waiver process?

• You will receive an email from the DSGHP office, followed by an email from Gallagher Student Health (our waiver processor).  Gallagher will continue to send you an email every two weeks until a waiver is submitted.  These email notifications will include the instructions and deadlines. If you wish to remain enrolled in DSGHP, you can ignore these emails, or use the "Unsubscribe" link at the bottom of the emails, as enrollment is automatic unless a waiver is submitted and approved.
• The Enrollment/Waiver information can also be found on our website at www.dartgo.org/studentinsurance.  This site also includes any premium fees associated with enrolling, waiver requirements and deadlines, late fees associated with waivers submitted after the deadline, and DSGHP coverage information.

Do I need to submit a new waiver every year, even if my insurance does not change?

• Yes. Waivers are due every academic year by July 1st to avoid late fees, and by August 31st for a full year waiver, or you will be automatically enrolled in the DSGHP and your account charged.

My waiver was approved, but the charge on my account has not been credited.  What can I do to pay my tuition bill without having to pay for the insurance?

• If your waiver is approved after the charge has been applied to your account, please know that it will take up to a week for the credit to be applied as this does not happen automatically. If you wish to pay your tuition prior to the credit being applied, please contact the Campus Billing Office to inquire about the "Payment Explanation Form."

My waiver was denied, what can I do?

• If you believe your waiver was denied in error, please contact either Gallagher Student Health (our waiver processor) at 844-288-4919 or the DSGHP office for clarification.  If your denial notification states that more information is needed, you will need to provide that information to Gallagher by uploading the documentation into the waiver system.
• If your waiver was denied due to your coverage not meeting Dartmouth's requirements, you will remain enrolled in the DSGHP.  If your plan changes, and then meets these requirements, you can update your waiver in the Gallagher system. Depending on the timing of this change, your waiver may be put towards the next cancellation date, leaving you enrolled in the DSGHP for part of the year.

Can I waive out of the DSGHP now, and enroll in the DSGHP later in the plan year?

• Yes, but only under the following circumstances;
  • You have lost the coverage you initially waived with.
    • To enroll, you will need to complete the Midyear Enrollment form (found under "DSGHP Forms" on website).  With this, we will also need to have a copy of the termination letter from your other insurance plan that states your name and the exact date the coverage ends/ended.  This must be done within 30 days of the loss of coverage.  Contact the DSGHP office for the prorated premium cost.
  • You are participating in a Dartmouth sponsored study abroad program.
    • To enroll, you will need to complete the Midyear Enrollment form. You can enroll for the full term, or for the dates of your program. Keep in mind, enrolling for the dates of your program only may leave you underinsured during travel, as you will most likely be traveling outside of those dates. Contact the DSGHP office for the prorated premium cost.
  • Your coverage changes and no longer meets Dartmouth's requirements. This typically happens at the beginning of a calendar year. 
    • To enroll, you will need to complete the Midyear Enrollment form.  With this, we will also need to have a copy of the notification of the change in coverage.  Enrollment will take place as of this date of change. Contact the DSGHP office for the prorated premium cost.​​​​​​​​​​​​​​​​​​​​​​​​​​​​

Can I enroll dependents?

• Yes. If you as the student are enrolled in the DSGHP, your spouse/domestic partner and/or child may be enrolled. You will need to complete and submit the Dependent Application to the DSGHP office within 30 days of the beginning of the plan year, the date you acquire the dependent, the date they lose other coverage, or the date they enter the USA for the first time. Please contact the DSGHP office for assistance.

Who do I contact if I have questions about DSGHP coverage or claims?

• Either Wellfleet (our claims administrator) or the DSGHP Office.
  • Wellfleet
    • Phone: 877-657-5030 or 833-443-5338
    • Email: Customerservice@wellfleetinsurance.com
  • DSGHP Office
    • Phone: 603-646-9438 or 603-646-9449
    • Email: Dartmouth.Student.Health.Plan@Dartmouth.edu

How do I find a provider in the Cigna OAP network?

• Please use the links to finding a provider on our website at https://students.dartmouth.edu/health-service/fees-insurance/insurance/how-use-your-dsghp.
• We recommend contacting the provider directly to confirm that they participate with the Cigna OAP network, as the Cigna directory is not always updated in "real time."

Can DSGHP be used outside of the Hanover, NH area?

• Yes. DSGHP gives you coverage worldwide.

Do I need to have a referral to be seen by a provider outside of the Dartmouth College Health Service?

• While in the Hanover, NH area, you will need to have a referral from the Dartmouth College Health Service (DCHS) for preventative care services only.  Without this referral, these services will be considered out-of-network even at in-network providers, resulting in no coverage. For a list of these "preventive care" services, please visit the following;
  • For adults: https://www.healthcare.gov/preventive-care-adults/
  • For women: https://www.healthcare.gov/preventive-care-women/

Is there dental or vision coverage under the DSGHP?

• Dental
  • Yes. Please see our Dental Insurance page for details.
• Vision
  • There is limited vision coverage. Students and enrolled dependents age 19 and over have coverage for one vision exam every year at an in-network provider. Students and enrolled dependents under the age of 19 are eligible for one vision exam every year, as well as Pediatric Vision coverage (see page 35 of the Plan Document for details). Enrollees also have a $110 allowance for vision hardware.

Can I keep my current insurance plan and enroll in the DSGHP?

• Yes.  When covered by DSGHP and another plan, DSGHP will be your primary and the other your secondary.  You will need to provide both DSGHP and the other information to the provider's office when going to an appointment and let them know that DSGHP is your primary coverage.

How are Cigna OAP, Wellfleet, Gallagher, and DSGHP related?

• Cigna OAP
  • DSGHP has purchased the rights to use this network of doctors/providers to help keep your out-of-pocket costs down. Cigna's role is to "reprice" claims by applying the in-network discounts, for those applicable, and then sends the claim to Wellfleet for processing.
• Wellfleet
  • DSGHPs claims administrator.  Wellfleet processes all of DSGHP claims, and sends out payments to providers and students, on applicable claims.
• Gallagher Student Health
  • The College has contracted with Gallagher Student Health to process and audit all waivers to be sure that the insurance being entered is valid and meets Dartmouth's requirements to waive.

If I waive the DSGHP coverage, will I still have access the DCHS?

• Yes, all "active" students have access to DCHS.

What services will I be billed for at DCHS?

• For a list of billable services, please see the Patient Accounts webpage at https://students.dartmouth.edu/health-service/fees-insurance/patient-accounts/billable-services, or contact the Patient Accounts Office by phone at 603-646-9439 or by email at Dicks.House.Patient.Accounts@Dartmouth.edu. 

How will my insurance process any billable services received at DCHS?

• If you are enrolled in the DSGHP, most services will be processed at 100%. These billable services will be charged to your tuition account and sent to Wellfleet for processing. Once processed, your tuition account will be credited 100% of the original charge for these services.
• If you waived out of the DSGHP coverage, you would need to contact your insurance provider to get this information.  DCHS does not participate with any insurance network and will be considered out-of-network.  Be sure to tell your insurance provider this to get an accurate description of how they will process these charges/claims.  You will need to request an itemized bill from the Patient Accounts office to submit to your insurance, as this is not done automatically.