Waiving the insurance charge

Eligibility

If you have been charged for health insurance on your GCC bill, but you already have comparable coverage (See comparable coverage definition below) 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. If you waive the student insurance plan charge in the fall, you are waiving for the entire academic year. Therefore, you will not need to waive again if you return in the following spring semester. Please be sure to read the waiver information on this page before completing a waiver. 

New for 2020/2021 Academic Year

IMPORTANT NOTICE FOR STUDENTS WHOSE CLASSES WERE SWITCHED TO REMOTE CLASSES DUE TO COVID19:

The Health Connector guidelines permit students to waive the student health insurance charge if you are taking classes remotely from another state or country during the 2020-2021 academic year due to COVID19. In this case, the area where you attend school is considered to be the location where you are currently remotely attending classes for the relevant term. Therefore, if you are covered by a comparable insurance plan in the state or country where you are attending remotely, you are permitted to waive the student health insurance charge, provided you meet the criteria for comparable coverage. Please be advised, if you are taking classes remotely from out-of-state in the fall and waived your student insurance charge, you may be required to waive the insurance charge again, if you return in the spring to attend classes on campus. If attending classes at GCC, in-person, your out-of-state insurance may not be reasonably accessible in the state of MA where you are physically attending classes and therefore, you may no longer be eligible to waive. The MA Health Connector requires us to verify that you still have comparable coverage if you return for in-person lecture classes in the spring.  

IMPORTANT NOTICE FOR MA HEALTH PARTICIPANTS:

If you previously waived your student health insurance charge in a past semester because you were covered under a MA Health program, including a Managed Care plan such as: Neighborhood Health Plan, BMC Health Net, Tufts Health Together, CeltiCare or Fallon, you may have been required to enroll in the MA Health Premium Assistance ProgramPlease be advised, the Premium Assistance Program has been discontinued by the Commonwealth of MA. If you have concerns about your prior Premium Assistance coverage, you should contact MA Health directly. 

Note: You only need to complete a waiver form if you are enrolled for 9 credits or more.

All online waivers must be completed and submitted by at least the first day of classes each semester. 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.