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Student Life

Student Health Insurance

Coronavirus FAQ for Wellfleet Student Members


What is Coronavirus COVID-19 ?

Coronavirus COVID-19 is a respiratory illness that can spread from person to person. A novel coronavirus called SARS-CoV2 is the cause of COVID-19 and the outbreak first recognized in China in December 2019.

How long is the incubation period?

The incubation period is estimated at approximately 4-7 days. Data for human infection with other coronaviruses (e.g., MERSCoV, SARS-CoV) suggest that the incubation period may range from 2-14 days.

How is Coronavirus COVID-19 spread ?

Based on what is currently known about SARS-CoV-2 and what is known about other coronaviruses, spread was thought to occur mostly from person-to-person via respiratory droplets among close contacts. Additionally, studies have shown spread can happen through fecal contamination.

What are the symptoms of Coronavirus COVID -19

The clinical spectrum of COVID-19 ranges from mild disease with non-specific signs and symptoms of acute respiratory illness to severe pneumonia with respiratory failure and septic shock. Frequently reported signs and symptoms include:

  • Fever
  • Cough
  • myalgia or fatigue
  • shortness of breath

There have also been reports of asymptomatic infection with COVID-19.

How many cases of Coronavirus -COVID-19 are reported worldwide?

Over 100,000 cases have occurred worldwide. As more is known, more less severe and/or asymptomatic cases are being discovered. Those at highest risk for severe illness are the elderly and patients with comorbid conditions such as COPD, heart disease and diabetes. Unlike with the flu, babies don’t appear to be at higher risk, though this may change as additional cases arise.

Due to the addition of asymptomatic and less severe cases, the mortality rate has dropped. It’s estimated the final mortality rate will be less than 0.5%, and may be just above that for influenza (0.1%).

What is the best way to prevent the spread of the Coronavirus COVID-19?

While the immediate health risk remains low to Americans and there isn’t a vaccine yet, there are still ways that you can help prevent the spread of this virus.

To prevent the spread of this illness or other illnesses, including the flu:

  • Wash your hands often with soap and water for at least 20 seconds. If soap and water are not available, use an alcohol-based hand sanitizer.
  • Avoid touching your eyes, nose, and mouth with unwashed hands.
  • Cover your mouth and nose when you cough or sneeze with a tissue, then throw the tissue in the trash.
  • Clean and disinfect frequently touched objects and surfaces
  • Avoid close contact with people who are sick.
  • Stay home when you’re sick.
  • See your doctor if you think you’re ill.

I’m symptomatic. Should I stay home? 

This is flu season throughout much of the U.S. Because the symptoms of the flu and the Coronavirus are very similar in nature, anyone exhibiting flu-like symptoms (fever, cough, muscle pain, fatigue, shortness of breath) should self-isolate until symptom free.

Will my insurance cover Coronavirus testing?

Wellfleet will cover student member costs for COVID-19 testing.  We’ll waive all co-pays, deductibles and co-insurance. Similar to a preventive visit, like your annual physical, you’ll have no out-of-pocket costs for your testing.

Wellfleet Student members should contact their student health care centers or visit their school’s page on https://wellfleetstudent.com/ to find a provider. When contacting, be sure to advise them of your recent travel and symptoms and try to avoid contact with others.

If student members need treatment for the Coronavirus, coverage is based on their plan benefits.

My campus and/or Student Health Center is closed. Where can I go to get tested or treatment for COVID-19?

For student members who are typically required to report to their Student Health Center for care or referrals, this requirement is waived. They can seek testing or treatment for the Coronavirus at any local medical facility. This includes emergency room, urgent care and office visits. There is no need for referral and there will not be any applicable out-of-pocket fees for testing.

If student members need treatment for the Coronavirus, coverage is based on their plan benefits.

How can I find out about what my insurance covers?

Your plan information can be found by logging into your account on Wellfleetstudent.com.

Can I utilize telehealth options?

Yes. If you believe you are sick or have the Coronavirus, this is a great option to reduce your exposure to others.

You can find the services offered by visiting your school’s page on Wellfleetstudent.com. The options available will vary by school. To locate your services, once on your school’s page, click on the “Find health professionals” button. Available options can include:

  • Locating an in-network provider
  • Locating an in-network pharmacy
  • 24/7 Nurseline: Talk to a registered nurse

If you’re unsure of your coverage options or have any questions, simply call customer service at (877) 657-5030 or contact your school’s student health center.

What is the best way to stay updated?

Because this is an evolving situation, we’ll keep our communications updated, and encourage you to check back often. We also recommend visiting your school’s student health center page and The Centers for Disease Control website for the most up-to-date information.

SilverCloud Health


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 www.SilverCloud.com.

For more information, check out the SilverCloud Health Flyer.

  • If you have insurance and do not wish to be enrolled in, and charged for insurance through the College, you must file a waiver online by August 15, 2019.

    Student Health Insurance Fees

    Health insurance coverage is required of all undergraduate resident and nonresident students who are enrolled at least half time, excluding degree candidacy pending students. The College provides a limited coverage plan for 12 months at a cost of $1,750.(Spring Semester Plan To be Determined)

    Before waiving the student health insurance, please be sure to read these important considerations.  


    Plan Coverage

    Brochures outlining the plan and the benefits are available online.



    Health Insurance Waiver 

    All applicable students are automatically charged the full amount  for the student health insurance coverage. Students may waive the plan if other coverage is carried. Waivers must be filed with the College’s insurance broker over the Web by August 15th for cancellation of charges. International students who are not permanent U.S. residents must document comparable coverage through a U.S. insurance carrier.

    If you do not submit the waiver by August 15, 2019, you will automatically be enrolled in the non-refundable College insurance.

About Gallagher-Koster Insurance

Lake Forest College is pleased to partner with Gallagher-Koster Insurance as our student health insurance manager. The staff at Gallagher-Koster Insurance and the staff in Health Services on campus will assist in answering questions regarding insurance matters. Health Services 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-Koster Insurance Agency is an independent insurance agency specializing in student insurance. Gallagher-Koster 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.