Student health insurance

as of 07.03.2014


Bard College offers student health insurance via Allen J. Flood Companies. Graduate students considering enrolling in the new Bard College Student Accident and Sickness Insurance Plan (Bard plan or Bard insurance) should read through the brochure carefully to make certain it will adequately meet their needs. Copies of the plan brochure and claim forms, information on claim procedures, and links to provider networks can be accessed from the plan administrator’s website at If you have any questions feel free to contact health services at 845-758-7433 or via email at

Please note the plan administrator is Allen J. Flood Companies, Inc. The underwriter is United States Fire Insurance Company. The names of the provider networks are Emblem Health GHI (primary network) and First Health (secondary network). Students will submit claims to HealthSmart (formerly Klais & Company, Inc.)

For students enrolling at Bard for the 2014-15 academic year, the 12-month health insurance plan cost is $1,402.00 and covers up to an unlimited amount per sickness or injury. in addition, there will be a $100.00 per policy year deductible; a $100.00 co-pay for emergency rooms visits (waived if admitted); and $10.00 co-pay  for generic medications, a $25.00  co-pay for name brand medications and $0 co-pay for contraceptives. Note that this premium will be charged in full at the beginning of the academic year. Once enrolled, you are committed for the full year; there is no opportunity to opt-out of the plan until the following year. In addition, students on campus during the academic year will be charged a mandatory Bard health services fee of $470.00.

Fees for both the Bard insurance and the on-campus health services (if applicable) will automatically be billed to your account. The student insurance fee will be credited to your account upon waiver approval (see below for waiver process). The health services fee cannot be waived.

Those students enrolled in any Bard graduate program whose tuition and fees are not billed by Bard student accounts will need to submit a check for the full $1,402.00 ten (10) days before the first day of classes to the address below. Please be sure to indicate first and last name, social security number, and the name of the graduate program on the enrollment form given to you by your program administrator. All checks should be made payable to Bard College.

Bard College
Office of Student Accounts
PO Box 5000
Annandale-on-Hudson, NY 12504-5000

Graduate students have the opportunity to waive the student insurance. PLEASE NOTE: the College or its agent(s) reserves the right to verify information regarding alternate coverage provided by the student as part of his/her on-line request to waive out of the Bard College Insurance Plan. In other words, you will only be granted a waiver if you have adequate coverage of your own. You will be responsible for any bills that are not covered by your insurance.

All international graduate students are automatically enrolled in the Bard plan as described in this brochure unless they obtain a waiver by presenting evidence of insurance coverage from one of four different commercial providers.  for a comparison of the costs of these alternative plans versus the cost of the Bard plan and a table showing significant plan differences between one such plan and Bard’s, go to:                       (go to “Matriculation Forms,” and scroll to the end of that section).  the only way to waive the insurance is via the internet

Before electing to waive coverage, graduate students with their own policy should call the member services number (usually listed on the back of the insurance card) to find a participating provider in the area of their graduate program. You should then call the provider to be sure they will accept your insurance and/or new patients, as the insurance company lists are sometimes out of date. You may also want to find out if well visits or preventive care are portable.

Another important area to check is laboratory services. Bard College Student Health Service contracts with Quest Diagnostic Labs. Before making any decision to waive the Bard plan, please be sure to check that your insurance also accepts Quest. Any on-campus student with their own insurance that does not accept Quest Diagnostic Labs will not be able to have lab work completed at the Bard Student Health Service, including simple lab testing such as a throat culture, mononucleosis test, or urine culture. Other labs in the Bard area, such as Labcorp in Kingston, are about 20 minutes away; furthermore, there is no public transportation available to these labs. Health Services strongly advises any on-campus graduate student not to waive the Bard insurance if his/her current policy does not accept Quest labs. It is your responsibility to contact your insurer regarding coverage of laboratory services.

The deadline for requesting a waiver for the Fall Term is August 1, 2014, for the annual coverage; students who enroll and register for classes after the semester has begun will be permitted to submit the waiver request within seven (7) calendar days of the date of their enrollment. Requests for waivers received after these dates will not be honored. Students only need to waive once for the academic year. See below on how to complete a waiver request.


1) Go to
2) Choose Bard College in the drop down box
3) Click on the link Submit Waiver and complete
4) Print a copy of the confirmation screen for record purposes (this will become an important supporting document confirming the successful completion of the waive prior to the deadline)

Student Health Service
Bard College
PO Box 5000
Annandale-on-Hudson, NY  12504
(845) 758-7433 Tel
(845) 758-7437 Fax

Student Counseling Service
Bard College
PO Box 5000
Annandale-on-Hudson, NY 12504
845-758-7433 Tel (9:00am – 5:00pm weekdays)

Office of the Dean of Graduate Studies
Bard College
PO Box 5000
Annandale-on-Hudson, NY  12504
845-758-7895 Tel
845-758-7897 Fax

Plan Administrator:
The Allen J Flood Companies Inc.
2 Madison Ave.
Larchmont, NY 10538

HealthSmart (formerly Klais & Company, Inc.)
3320 West Market Street
Fairlawn, OH 44333
Group # SF744E4
U.S. Fire Policy number: UHL4792S
EDI Payor No. 34145
1 800-331-1096

Provider networks:
Emblem Health (GHI)
Online at:

First Health
Online at: