We have already applied for and received the waiver for our incoming Vandy freshman, after having gone through this process with his older brother at a different university. If you have good private coverage and network doctors in the Nashville area, there is no reason to pay for the Gallagher insurance plan offered by Vanderbilt. The waiver application is easy to fill out. Our family plan does not meet the extremely low deductibles they say they require for waiver eligibility, but we went ahead anyway and they don’t actually check. We received notification of waiver approval within hours of submitting the application.