Your user name is your COMPLETE Vanderbilt University email address (i.e. john.smith@vanderbilt.edu).
Returning Users: You were required to change your password when you initially logged in. If you have forgotten your password, click the "Forgot Password" link and enter your username. Instructions to reset your password will be sent to your school email address.
First Time Users: If this is your first time logging in, your temporary password is your Commodore ID # preceded by "000" making the number a total of 9 digits. Example: (000123456). Upon first logging in, you will be asked to reset your password. Instructions to reset your password will be sent to your school email address. Once reset, you will be able to log in with your new password.
Your Student Account ID # is your Vanderbilt University Commodore ID # and can be found on your Student Account invoice or by clicking here.
For information on general claims processing, please click the expand button:
Important Claims Payment Information
The following information below will assist you with understanding how your medical insurance claims will be processed. Please read this information carefully to ensure you understand what processes must occur in order for claim processing.
*Please note that failing to provide any additional information outlined below may result in a delay or denial of your submitted claims.
To determine which of the claims payment provisions described below apply to your plan, please refer to your plan brochure. This can be found by clicking on the 'My Benefits & Plan Information' tab to the left.
Excess Policy: If your student medical insurance plan is an Excess Policy, this means that if you have another health insurance plan, your other insurance plan is considered your 'primary' insurance plan and will pay first. The student insurance plan will therefore not pay for any eligible benefits until your primary insurance has paid according to their policy terms. It is important that you provide health insurance information for both policies to your provider at the time services are rendered. Not providing this information may significantly delay claims processing.
Coordination of Benefits: If your student medical insurance plan has a Coordination of Benefits provision, this means your student medical insurance plan will coordinate the payment of claims with your other insurance company. You will need to advise your provider that you are covered under two policies and then provide the claims company with information about your other health insurance company. Not providing this information may significantly delay claims processing.
Primary Coverage: If your student medical insurance plan is a Primary Plan, this mean that the student medical insurance plan will pay all claims for eligible covered expenses as the primary carrier and will not coordinate benefits with any other insurance plan. If you have other insurance, you may submit any unpaid charges to your other insurance.
Is any other information needed in order to pay a claim?
If the treatment you received was a result of an accident, you will receive a letter from the claims administrator asking for information about the accident, i.e. if it was the result of a motor vehicle accident, from playing sports, etc. Your claim cannot be processed without this information, so please respond to the letter promptly. You may also receive a letter asking you if you are covered by any other health insurance plan. It is important to respond promptly to this as well.
Who is my Claims Company?
HealthSmart Benefit Solutions is responsible for processing your claims. Their dedicated claims analysts and customer service representatives can address any questions you have on an outstanding claim or on how a claim has been paid.
Important Health Insurance ID Card Instructions
HealthSmart Benefit Solutions is responsible for processing your claims on behalf of your insurance company Crum & Forster SPC.
How to Download the myHealth App
Please follow these instructions to obtain your Health Insurance ID card from their mobile app:
1. Visit either the Apple or Google Play app store.
2. Search for "myHealth For HealthSmart".
3. Tap the “Get" or "Install” button next to the HealthSmart app and it will begin to install.
4. Once installed, a new app icon will appear on your screen.
How to Register and Login
Please follow these instructions to obtain your Health Insurance ID card from their mobile app:
1. Click on the HealthSmart app.
2. If you've already registered, sign in using your username and password.
3. To set up your new myHealth account, click on "Create Account." You will be redirected to a page that requires you to complete some information. Once completed, enter a new username and password that will grant you access to your myHealth account. Then just tap "Register"
4. Now, you can use the same username and password to login to your myHealth account any time. You can also access your account online at myhealth.healthsmart.com.
Claim Form
A claim form is not required. However, you can download one by clicking on the following link: Claim Form
How do I contact HealthSmart Benefit Solutions?
HealthSmart Benefit Solutions 3320 West Market St., Suite 100 Fairlawn, OH 44333
You can also register with HealthSmart myHealth in order to be able to review your claims online. To register, go to www.healthsmart.com and click on "I am a Student" to create your online account.
Gallagher Student Health & Special Risk 500 Victory Road, Quincy, MA 02171
