Student Health Insurance Plan

For more information about student Health Insurance while attending the University of Redlands please visit Gallagher Insurance's website. Their customer service number is 833.818.7086

2020-21 Student Health Insurance

The University of Redlands requires all CAS undergraduate students enrolled in nine or more units to have health insurance that provides access to local health care and helps minimize the financial burden an accident, injury, or illness creates. The University confirms qualifying coverage on an annual basis.

On a practical level, this means that if a student is enrolled in more than nine credits, their fall semester bill will reflect a charge for the University of Redlands Student Health Plan (URSHP), unless or until proof of qualifying coverage is confirmed before September 10, 2020. This is the only opportunity to waive the URSHP for the entire year of the plan’s coverage.

For those who need health insurance coverage, the University contracted with Gallagher Student Health (GSH) for student health insurance. The plan’s annual rate is $1,713. Coverage begins on August 10, 2020 and ends August 9, 2021. This total annual rate will be divided into two payments and billed to the student's account in the Fall and Spring of this academic year.

A URSHP charge will appear on your fall tuition bill; this charge will be removed provided qualifying coverage is confirmed on or by 5 pm on September 10, 2020.

Highlights of the plan include the following:

  • Compliance with the state and federal laws
  • Annual deductibles: $250 in and out of network combined
  • In-network $20 Copay then 100% Coverage
  • Prescription drug coverage based on three tiers 
  • Discounted dental care, vision coverage, and cognitive services 
  • Behavioral Health Hotline and Telemedicine services included

If a student is currently covered, for example, under a family member’s employer plan, we strongly encourage making contact with the provider to confirm coverage and/or to inquire about extending coverage to San Bernardino County and surrounding areas. For example, Kaiser Permanente customers have found some coverage is regional and therefore does not include health care facilities in the area surrounding the Redland’s campus.

To submit proof of insurance coverage that complies with the Affordable Care Act and meets State of California requirements (short-term medical plans and travel insurance do not qualify) or, to learn more about the GSH plan available to University of Redlands students, please go to

While full details of the GSH plan can be found here, do note that some students may qualify for health insurance coverage through Medi-Cal, California’s part of our national health coverage program, Medicaid. Medi-Cal information, to include eligibility categories, can be found here.

If you have questions about Medi-Cal you should contact the San Bernardino County Office of Health and Human Services.

If you have any general questions or concerns, please contact Senior Associate Dean of Student Affairs, Dr. Ken Grcich at

If you have questions about the Gallagher Student Health Plan or the health insurance verification process, you should contact them directly at 833-818-7086.

Login to Waive or Enroll

  1. Visit the school-specific website:
  2. Once there, you will need to create a new account, on the left-hand side, you’ll find a toolbar titled “Student Access.”
    1. USER NAME: The User Name is now your University of Redlands email address, I.E., John_Smith@
    2. PASSWORD: Your temporary password is 00 followed by your seven-digit Student ID Number for a total of 9 digits, I.E., 001234567. Upon your first login, you will be prompted to reset your password.
  3. Instructions to reset your password will be sent to your University of Redlands email address. Once reset, you will be able to log in with your new password. 
  4. Select “Student Waive/Enroll” 
  5. If you have already completed that step and created a new password, you should be able to select “forgot my password.”

Contact Information

Gallagher Student Health
Monday - Friday, 8:30 AM to 8:00 PM EST.
Live chat is available Monday - Friday, 9:00 AM to 5:00 PM EST


Gallagher FAQ