Health & Safety
To treat most illnesses and minor injuries, the College maintains a Student Health Center. This Center is open eight hours per day, five days per week (Monday through Friday from 8:30 a.m. to 4:30 p.m.) during the academic year. Health services are not available during weekends, major holidays (Thanksgiving, Christmas, and Easter) and winter recess. When the Health Center is closed, emergency medical services are provided to all on-campus students by emergency medical experts or technicians (EMT’s).
Appointments are necessary to meet with one of the Health Center physicians. All visits to the health center are free. There is a charge for any testing or referrals off campus, as well as prescriptions dispensed by the physician.
In addition to the above services, the Student Health Center provides relevant health and wellness programming including educational workshops and screenings on nutrition, physical activity, alcohol and other drug use, tobacco, stress, and general wellness.
The center provides laboratory services but does not provide x-ray or surgical services, treatment for major illnesses, or allergy shots. The center refers students who need those services to a local hospital or physician and students assume financial responsibility for off-campus services.
EMTs are available from 4:30 p.m. to 8:30 a.m. (Monday through Friday) and 24 hours on Saturday, Sunday and holidays when the Health Center is closed. PLEASE call ext. 2888 for EMTs to respond.
Location: Bedford Hall
Health Insurance Requirements and Details
All students at Providence College are required to have valid health insurance that meets federal and state requirements. International students are required to purchase the Providence College Gallagher Koster Student Injury and Sickness Insurance Plan. No waiver is permitted from this plan. Students will see the charge for this insurance on their Providence College bill.
- What is covered under the Student Injury and Sickness Insurance Plan?
- The plan offers comprehensive benefits including hospital room and board, inpatient and outpatient surgical procedures, labs and x-rays, chemotherapy and radiation, inpatient and outpatient mental health services, physician office visits, consultant visits, ambulance, emergency care and prescription drugs.
- The maximum benefit allowed for each injury or sickness is $50,000.
- Coverage varies from 80% to 70% depending on whether or not you seek services from a Network or Non-Network Provider.
- Please refer to the plan brochure available at www.gallagherkoster.com. Select “Providence College” from the drop down menu and click on Plan Documents for complete details about coverage, limitations, and exclusions.
How do I get my prescriptions filled?
The pharmacy benefit program includes retail chains as well as independent pharmacies through the UHC Pharmacy Network. At designated UHC pharmacies; you will pay $10 co-payment for a 30-day supply of a generic drug and $20 co-payment for a 30-day supply of a brand name drug up to the $500 maximum benefit. To help monitor their prescription costs, students will receive notification when they are reaching their maximum benefit and when they have reached the maximum benefit allowed.
Outpatient medications for treatment of a Covered Expense are covered prescriptions. If the treatment of a medical condition is limited or excluded, the outpatient prescription is likewise limited or excluded.
Prescriptions are also available through a Mail Service Program. Through the Mail Service Program you will pay 2.5 times the cost of a 30-day supply for a 90-day supply of your prescription drug. Click on “Pharmacy Program” at www.gallagherkoster.com to learn the details of the pharmacy program, including the Mail Service Program.
What if I have a pre-existing condition, am I covered?
Yes, but only if you were continuously insured through another health insurance plan for the 12 months immediately prior to the effective date of the Student Injury and Sickness Insurance Plan without a lapse in coverage of more than 30 days. If you were not continuously insured or had a lapse in coverage of more than 30 days you will have limited coverage for a pre-existing condition, up to $2,000. A pre-existing condition is one for which you sought medical advice, were diagnosed, received care or treatment or were recommended care or treatment during the 12 months prior to the effective date of this plan. Once you have been enrolled in this plan for 6 months, your pre-existing condition will be covered as any other condition.
Am I required to get a referral from my school’s Health Services before I seek treatment elsewhere?
No, the Student Injury and Sickness Insurance Plan does not require a referral.
Do I Get a Health Insurance ID Card?
You will receive an insurance ID Card at the address the school has on file for you – either your on-campus address or your local address. Carry it at all times and show it to all health care providers before receiving care or filling a prescription.
If you need to see a doctor before you receive your ID card, tell the provider that you are covered by the Providence College student health insurance plan. Your provider can also call Gallagher Koster at 1-800-406-4195 to confirm your eligibility. You do not need your card in order to be eligible to receive benefits.
Once your enrollment has been processed at Gallagher Koster, you can go to www.gallagherkoster.com, create a User Account under “My Account” and print an ID card. This card acts as your permanent student health insurance ID card.
Does this plan cover me when I am off campus, traveling or studying abroad?
Yes, the Student Injury and Sickness Insurance Plan covers you during semester breaks, summer vacation and even if you’re traveling or studying abroad. You’ll be covered for the period for which you paid premium. In addition to being covered for medical treatment and services, you will also be covered for Repatriation of Remains, Emergency Medical Expense Benefit and Travel Assistance Services through SES, the 24-hour worldwide assistance service.
When studying or traveling abroad, keep your student health insurance plan identification card with you and take a copy of the brochure for reference. When outside of the United States, you will likely be asked to pay for your medical care first and then will need to seek reimbursement. Covered Expenses will be reimbursed on a Non-Network basis. When you submit claims for reimbursement, you will need to have the itemized bill(s) translated into English and include a letter informing the claims administrator that you are seeking reimbursement for charges previously paid. Please insure that your name, ID number, address (to receive your reimbursement check), and the University’s name are on the bill.
Does this plan have a deductible? What is a deductible?
Yes this plan has a $100 or per injury or sickness deductible that applies to services received from a Non-Network Provider. There is no deductible for services received from a Network Provider. Deductible means the amount for which you are responsible before payment is made by the claims company. Once you have paid the $100 deductible, whether it’s applied to one service or multiple services, the plan will pay for covered medical expenses as indicated in the plan brochure.
500 Victory Road
Quincy, MA 02171
Along with arranging for health insurance coverage, you must fill out a physical examination record before you enroll. This record -- which must include a record of your past illnesses, tuberculin test results, and evidence of immunization against common diseases, including rubella and measles -- should be completed by your own physician on forms supplied by the College. This record helps to ensure the health and welfare of you and your fellow students in a small community where illness can spread very quickly.
Emergency and Urgent Care
In the event of a medical emergency, students should call ext. 2888 for campus EMTs or ext. 2222 for security. The person on-call will notify an ambulance and assist the student until emergency services arrive.
Dental & Vision Care
To find a dentist or optometrist, students should refer to the following Gallagher Koster links:
EyeMed Discount Vision Plan
- Students are automatically enrolled in the EyeMed plan that includes discounts on prescription eyeglasses, contact lenses or even non-prescription sunglasses. Some of the nation’s most highly qualified laser vision correction surgeons will even offer savings.
- EyeMed has over 45,000 providers, including LensCrafters, Pearle Vision, Sears Optical, JC Penney Optical and Target Optical.
- Discounts range between 15% to 45% off retail pricing
- Contact EyeMed at: http://www.enrollwitheyemed.com
This is not an Insurance Plan!
Basix Dental Savings
- Maintaining good health extends to taking care of your teeth, gums and mouth. The Basix Dental Savings Program provides a wide range of dental services. It is important to understand the Dental Savings Program is not dental insurance.
- Basix contracts with dentists that agree to charge a negotiated fee to students covered under your Gallagher Koster plan.
- You must pay for the services received at the time of service to receive the negotiated rate.
- Savings vary but can be as high as 50% depending upon the type of service received and the contracted dentist providing the service. Contracted dentists and their fee schedules are listed on our website.
Because Providence College is a small, intimate community, you may find yourself lulled into a sense of total safety. However, personal safety is a concern on all college campuses, regardless of how safe they might feel. While there are measures that the College has in place to protect students, faculty and staff, you should keep the following tips in mind when you arrive:
- Keep the door to your room and to your residence hall locked when you are away;
- Be sure the residence hall door locks behind you when you enter or leave the building;
- Do not keep large sums of money in your room, and do not carry large sums of money with you;
- Do not leave laptop computers or other expensive pieces of equipment unattended;
- When walking at night, stick to well-lighted walkways;
- Do not hitchhike, and do not accept rides from strangers.
A safety escort service is provided by the Office of Safety and Security by request. A student escort service is available during the school year. An off-campus shuttle bus service is also available.
Providence College also maintains a system of emergency telephones throughout the campus. These phones can be easily located by the bright blue light on top of the mounting pedestal. The automatic dialing feature of these phones provides direct contact with the Office of Safety and Security, which can immediately send a Security Officer.
For your own safety and the safety of your fellow students, fire and safety hazards of any kind are not allowed in the residence halls. These include, but are not limited to, open flames and objects that create them (i.e., candles), flammable materials used as decoration, lighting that contains halogen bulbs, decorative electrical lighting, and other personal belongings.
In addition, please consider the types of electrical appliances that you bring along or purchase. Items such as hot plates, broiler ovens, toasters and space heaters are not allowed in the residence halls. Popcorn makers, curling irons, flat irons, coffee makers, and other similar items may be used, but only in common areas such as lavatories and kitchens. Hair dryers and small microwaves may be used in student rooms. All extension cords must meet the following safety standards: They must be UL-approved/listed, have a grounded plug (have a third prong), and be 14 gauge and 15 amps. UL-approved circuit breaker multi-plugs are also allowed. If you have any questions about the electrical appliances that you plan to bring or purchase, please contact the Residence Life Office.