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Insurance Overview

Academic year 2014-2015 will be the twenty fifth year of implementation of the Massachusetts Mandatory Health Insurance Law. Under this law, each Massachusetts Community College must require all students who are enrolled in a degree or certificate program for nine credits or more to participate in the student health insurance program, or in a health insurance program separate from the school’s plan, but with comparable coverage.

Massachusetts Community College students will be insured for policy year 2014-2015 by Harvard Pilgrim Healthcare (PPO) Insurance Plan. The premium charge for the Massachusetts Community College Health Insurance Plan will appear on your bill. If you plan to waive this charge because you think you have comparable alternative coverage, see “Waiving the Insurance Charge” menu option to determine if you are eligible to waive and to access the online waiver.

Fall 2014: For those who are eligible to waive this charge, you must waive by at least the first day of classes each semester you are charged. After the final official waiver deadline has passed, the online waiver will not be available and students will be required to pay this charge. Exceptions are made on a case by case basis. For financial aid recipients, the deadline to enroll in the annual student insurance plan is January 31, 2015. This means, if your insurance premium charge is not paid by that date, you will no longer be able to enroll in the annual plan. For non-financial aid recipients, your insurance charge must be paid by the August 6 due date of your bill in order to be enrolled in the plan. Remember, when payments are applied to your account, the insurance is the last charge to be paid, therefore, your bill must be paid in full in order for your insurance charge to be paid in full.

The annual premium appearing on your fall bill is $1,640 for the coverage period of September 1, 2014 through August 31, 2015. If you are eligible to be charged for the student insurance when enrolling for classes in the spring 2015 semester, the premium charge appearing on your bill will be $1,090 for the period of January 1, 2015 through August 31, 2015. If you have not waived or paid your fall insurance charge by the appropriate deadlines, and if you still remain eligible to be charged as a returning student in the spring semester, your fall insurance charge will be reversed and you will be charged for insurance in the spring at the spring rate.

Note:  The Student Insurance Plan is not available for students taking fewer than nine (9) credits, or for dependents of students taking nine (9) credits or more.  However, you may contact the insurance broker directly to learn about products and services that may meet your insurance needs.