Waiving the insurance charge


If you have been charged for health insurance on your GCC bill, but you already have comparable coverage under your own or someone else’s plan (such as a parent), you can waive the GCC student insurance charge. As part of the online waiver process, you will be required to create an account and certify that you currently have comparable coverage by answering a series of questions that will determine if you are eligible to waive the insurance charge. If eligible to waive, you must then complete the waiver form.

Please be sure to read the waiver information here before completing a waiver. When clicking the waiver button, a message may display stating that you are trying to go to an unsecured website. This is due to the manner in which the two sites are listed. As long as you are using this link you should feel free to continue to the secured Gallagher site. 

All online waivers must be completed and submitted by at least the first day of classes each term. Exceptions are made on a case by case basis. However, in order to waive the charge, you must have comparable alternative coverage that begins at least by the first day of classes and that coverage must continue through at least August 31 of the next calendar year.

Comparable coverage defined

Comparable coverage is health coverage that is at least as good as the GCC Student Health Insurance Plan. The health plan must offer the same type of benefits as the GCC Student Health Insurance Plan, but benefits do not have to be exactly the same.

Per Massachusetts state guidelines, to be comparable the coverage provided must include reasonably comprehensive coverage of in-patient and out-patient hospital and physicians’ services, and be reasonably accessible to the student in the area where the student attends school. If you have a plan that requires you to use network doctors and services, and the network is not close to your school, then you are not covered. Emergency coverage is not enough to qualify. You must have coverage for non-emergency health care, lab tests, x-rays, and other services in the area where you attend school.

MassHealth Limited, the Health Safety Net, or the Children’s Medical Security Plan are not considered to be comparable to the Student Health Insurance plan offered by MA Community Colleges. These plans do not meet the criteria. Some out-of-state Medicaid plans may not be considered comparable if the services offered through the plan are not reasonably accessible to students attending GCC. Coverage by any insurance carriers outside the USA and coverage by foreign National Health Service programs are not deemed to be comparable coverage either. “Uncompensated Care Pool” coverage also does not qualify as comparable coverage.

It is the student’s responsibility to determine whether they are covered under a comparable insurance plan. In addition, only the student can complete the online waiver in order to certify that they do have comparable coverage per state law. GCC staff members are not permitted to complete and submit waivers on behalf of students. 

Click here for Step-by-Step instructions on how to waive the health insurance.