Paying for insurance

Non-financial aid students

If your insurance charge is not paid in full by the deadline to enroll in the plan, you will not be able to purchase the student insurance plan. Therefore, for non-financial aid recipients, your fall 2015 insurance charge must be paid in full by the August 6, 2015 due date of your bill in order to be enrolled in the annual plan for the coverage period of September 1, 2015 to August 31, 2016. The spring 2016 insurance charge must be paid by the January 8, 2016 due date of your spring bill in order to be enrolled in the eight-month insurance plan for the coverage period of January 1, 2016 to August 31, 2016. For both semesters, exceptions are made on a case by case basis.

Payment plan participants and financial aid recipients

For those participating in the 4-month payment plan, additional time to purchase the insurance is granted since participants won’t have their accounts paid in full until the last payment plan due date of each semester. In addition, a similar courtesy extension is granted to Financial Aid recipients since financial aid funds are disbursed intermittently throughout the semester as well as late disbursements for late applicants.

Fall enrollment deadline: For payment plan participants, the insurance charge must be paid by no later than the the final due date of the payment plan in order to be enrolled in the annual insurance plan for the coverage period of September 1, 2015 (retroactive) to August 31, 2016. Additionally, for financial aid recipients, the insurance charge must be paid by no later than December 15, 2015 in order to be enrolled in the annual plan for the coverage period of September 1, 2015 (retroactive) to August 31, 2016.

Spring enrollment deadline: For payment plan participants, the insurance charge must be paid by no later than the the final spring due date of the payment plan in order to be enrolled in the eight-month insurance plan for the coverage period of January 1, 2016 (retroactive) to August 31, 2016. Additionally, for financial aid recipients, the insurance charge must be paid by no later than April 15, 2016 in order to be enrolled in the eight-month insurance plan for the coverage period of January 1, 2016 (retroactive) to August 31, 2016.

For all students, your GCC account must be paid in full in order for your insurance charge to be paid in full since the insurance charge is the last charge to be paid when payments are applied to your account.

Cost and coverage period

The premium charge for the Massachusetts Community College Student Health Insurance Plan will appear on your bill. The annual premium appearing on your fall bill is $1,536 for the coverage period of September 1, 2015 through August 31, 2016. If you are eligible to be charged for the student insurance when enrolling for the spring 2016 semester, the premium appearing on your bill will be $1,026 for the period of January 1, 2016 through August 31, 2016.

When is insurance charge considered paid and when does coverage begin?

When your entire GCC tuition and fee balance for the semester is paid in full, your insurance charge will be paid. Of all charges shown on your account, your insurance charge is paid last, regardless of the source of payment. Therefore, if you are making monthly payments on the payment plan, or if you are expecting financial aid or a third party to pay all or a portion of your bill, including insurance, your insurance coverage will not be in effect until your entire bill is paid in full.

Once paid in full, the Student Billing Office will submit your name and payment in the next reporting cycle. For extenuating circumstances, on a case by case basis; we will report individually, upon request by the student in order to expedite processing of potential claims and coverage. Otherwise, reporting is submitted to the insurance company during the first week of each month or as needed. When the insurance company receives and processes our uploaded reporting file, an insurance card will be mailed to you within 7-10 business days following the date your name was submitted by us. In the near future, an app may be available for download to your phone in order to access your insurance card information. See Accessing Your Insurance Account for accessing insurance services. Once your insurance information is processed by the insurance broker, coverage will be retroactive to September 1 if paid in the fall term, or January 1 if paid in the spring term.

Paying your health insurance charge with financial aid funds

Federal financial aid/loan funds will not pay this charge without your written authorization. Therefore, if you need to purchase insurance because you are not covered under a comparable insurance plan and expect your financial aid/loans to pay this charge, you must authorize it in writing by completing the appropriate section of the “Acknowledgements and Certifications” form required by the Financial Aid Office.

Please note:

  1. If all or a portion of your bill is being paid with financial aid/loan funds, charges shown on your account that qualify as educational expenses will be paid first before health insurance. Therefore, you should be sure you have enough aid/loans to pay all of your charges. Otherwise, you will need to pay out-of-pocket for any charges not covered by financial aid or loans, including your health insurance charge. If you have questions regarding this topic, contact the Financial Aid office at (413) 775-1109.
  2. Even though your financial aid/loans may have been offered to you and you may have accepted it, your account will not be paid until the Financial Aid Office disburses your awards/loans to your account. Typically, most financial aid grants and loans are disbursed to accounts approximately six weeks into the semester.
  3. It is possible to have a balance remaining on your account after you’ve received all of your excess financial aid/loan funds in the form of a refund check. If you’ve received your financial aid refund check but still have a balance on your account for insurance, this means you did not authorize your financial aid/loan funds to be used to pay for insurance by completing the appropriate section of the “Acknowledgements and Certifications” form required by the Financial Aid Office. Before your excess financial aid grants/loan funds have been issued to you, your authorization must be submitted to the Financial Aid office. Otherwise, you will have a balance due for insurance.
  4. If you’ve already received your financial aid/loans refund check and you still have a balance for insurance, you must either waive the insurance charge (if eligible) or pay it from your own financial resources. The charge will remain on your account and will be treated like any other past due balance subject to further collection action until paid in full. In addition, an obligation hold will be placed on your account which will prevent you from receiving any additional services from the College until you’ve dealt with the insurance charge.
  5. If you’ve authorized your financial aid/loans to pay for insurance and your insurance becomes active, then, you subsequently become ineligible for aid/loans after those funds are disbursed to your account resulting in an outstanding balance that includes the insurance charge, your health insurance coverage will then be cancelled, provided you have not submitted any claims that were already paid by the insurance company. In other words, once we report that your insurance charge has become unpaid due to an adjustment decrease in your financial aid/loans, your policy will be cancelled unless you pay your GCC tuition and fee account in full, including the insurance charge immediately. If you wish to continue your insurance coverage, it is your responsibility to be sure your account remains paid in full. If your insurance coverage is cancelled due to a financial aid/loan decrease, the college is not responsible for any lost coverage or unpaid claims you may have submitted to the insurance company.

For information on how to authorize financial aid to pay your insurance charge, contact the Financial Aid Office at (413) 775-1109.

If the insurance company has no record of you

On occasion, students may have paid their insurance charge but our next scheduled reporting may be days or even weeks away since we only report once per month or as needed. In such cases, if you are seeking healthcare treatment and you know your insurance charge has been paid but the insurance company has no record of you, contact the Student Billing Office at 413-775-1301 or teller@gcc.mass.edu to verify that your insurance charge has been paid in full. If your insurance charge has been paid in full and you need to seek immediate healthcare services, on a case by case basis, we will consider requests to report your insurance information and payment earlier than our normal reporting in order to expedite processing of insurance services by the insurance broker. Please use this option only when an urgent need exists.