Personal Health Insurance:

In order to be certain that students will be assisted in meeting the unexpected and sometimes heavy expense of an illness or accident, Middlebury College requests all students to have personal health insurance. If you do not already have health insurance that will provide coverage while at Middlebury, you should obtain coverage prior to arrival on campus. International students, in particular, should ascertain that their health insurance is valid in the U.S.

Accident Insurance:

Middlebury College provides supplementary accident insurance for students while they are enrolled in the summer session. The coverage is minimal and will pay for the expense of treating injuries up to a maximum of $5,000 for any one accident. Covered treatment includes X-rays, laboratory tests, surgery, physician’s visits, nursing care, hospital care and treatment, and prescription drugs.

Claims should be reported within 30 days from the date of the accident and applicable medical bills submitted within 90 days to:

HealthSmart Benefit Solutions
  HealthSmart Benefit Solutions
  3320 West Market St., Suite 100
  Fairlawn, OH 44333



Certificate of Insurance for Independent Contractors
Release Forms
Please read the Standard Release Form Instructions for release information and for which form to use.

Do I have health insurance through Middlebury College?

All undergraduate and graduate students enrolled at Middlebury College are automatically enrolled in the mandatory student accident only insurance plan.  This plan provides coverage for accidents sustained during the academic year (September 1 through May 31).  The voluntary sickness insurance, which can be purchased through Gallagher Koster Insurance, provides coverage for illness from September 1 through August 31.  For more information regarding insurance benefits or to enroll in the sickness plan, please visit the


Health Insurance For Middlebury College Students


If you have any questions related to benefits, enrollment and how the plan works, please contact:

Gallagher Koster Insurance Agency
500 Victory Road
Quincy, MA 02171
1-800-457-5599  or by e-mail at

If you have questions about a medical claim or wish to file a claim, please contact:

Aetna Student Health
P.O. Box 981106
El Paso, TX 79998
Policy No: CUH200911

To read about some complementary services offered through Koster Insurance, please visit their Plan Enhancement Information website.

You may also visit the Business Services website.