Student Health Insurance

All Full-Time Undergraduate Students are automatically enrolled in and billed for the Student Health Insurance Plan (SHIP). If you are insured by a plan that provides comparable coverage, you can request to waive the 2021-2022 Student Health Insurance Plan. The cost for the 2021-2022 Lake Forest College Student Health Insurance plan is $1,900.00. Click here for more information. 

Steps to Submit a Waiver:

  •  Create an Account
  •  Click on 'Waive'
  •  Complete the Waiver Form
  •  Click 'Submit' Please click here to begin your waiver application.

You will be automatically enrolled in the SHIP if a form is not submitted by the deadline of August 15, 2021.

What changes have been made to the Plan for the 2021-2022 Policy Year?

  •  The pharmacy benefits manager changed from Cigna Pharmacy Network to Wellfleet Rx.
  •  The Wellfleet formulary has some Prescription refill limits and pre-authorization requirements.

* The information provided above is used as a general summary of benefits. For a detailed plan description, limitations, and exclusions, visit our website.

To learn more about the Student Health Insurance Plan, your school's insurance requirements and how to waive or enroll, go to If you plan to waive, your current insurance must be fully compliant with the Affordable Care Act and provide access to doctors near your school. Please note, you should have your health insurance ID Card available.

Even if you waive, Voluntary Dental Insurance and Voluntary Vison Insurance is available to all students on our website


The Team at Gallagher Student Health & Special Risk

SilverCloud Health For Students with the Student Health Insurance Plan

SilverCloud is a secure, anonymous platform that offers a suite of programs designed to help students think and feel better. Programs are developed by clinicians and address depression, anxiety and stress.

Each program consists of several modules that use Cognitive Behavioral Therapy principles to treat, reduce and alleviate symptoms. Modules contain content, tools, videos, personal stories and activities that will empower you to self-manage your emotional health.

To start on your path to better managing your well being, visit

For more information, check out the SilverCloud Health Flyer.

About Gallagher Insurance

Lake Forest College is pleased to partner with Gallagher Insurance as our student health insurance manager. The staff at Gallagher Insurance and the staff at Health & Wellness will assist in answering questions regarding insurance matters. The Health & Wellness Center is located in Buchanan Hall and is open 8:30 to 5:00 during the week during the academic year. Siobhan Michelotti can be contacted at 847-735-5240 during these hours.

Gallagher Insurance Agency is an independent insurance agency specializing in student insurance. Gallagher combines an in depth knowledge of state insurance regulations with years of experience in the health care and insurance industry to customize student medical insurance plans to address the unique needs of Lake Forest College students