Dependents
The Duke University Student Medical Insurance Plan (SMIP) also offers coverage for dependents.
Students who are enrolled in the SMIP and the Dental plan may also enroll their dependents*. The plan benefits for dependents are the same as those for enrolled Duke students. Detailed information on those benefits is available here.
Students who are interested in enrolling their dependents must directly enroll them via the Gallagher portal. Payment for the insurance premium for dependents is made straight to Gallagher for this coverage.
Please note: you may only enroll your dependents if you are enrolled in the student plan. Please be aware that you must purchase dependent insurance for the same coverage period as your own coverage; it can’t be for a longer or shorter period than your own. You must also complete the enrollment for both yourself as well as your dependents during the annual enrollment / waiver period. If you enroll for annual coverage and do not enroll your dependents at that time, you cannot enroll your dependents unless a qualifying event occurs.
*Duke does not offer dependent coverage for students who are enrolled in short-term plans, which are typically one to four months for short certificate or credential programs.
The annual cost of medical insurance coverage for the 2025-2026 SMIP is:
- Student only: $3751.56
- Spouse: $3577.74
- Child/child(ren): $3992.15
- Spouse & children: $7625.61
When enrolling dependents in the plan, you will submit their information through the student insurance portal. The first time you enroll your dependents, you will also need to provide documentation of your relationship. Gallagher will review the submission. Once your submission and documentation has been approved, you will receive a link to your email to pay for the premium and activate their coverage.
Payments for dependent coverage are made directly to Gallagher via the student insurance portal. Students are able to pay the full annual premium at one time or break the premium into monthly installments.
To enroll in a payment plan, students must pay for the first three months of coverage at the time of enrollment. Students will then receive a payment link 10 days prior to the premium due date each month. The payment link is active for 14 days. Students must ensure they pay these monthly installments on time to avoid any interruption in coverage.
For questions related to the dependent process, please connect with Gallagher by using the Contact Us form on the Help Center website or by calling 866-931-5275.