STUDENT HEALTH INSURANCE PLAN
2014-2015 Academic Year
The University of Massachusetts Dartmouth is pleased to present you with information about our new Student Health Insurance Plan, offered in partnership with Blue Cross Blue Shield of Massachusetts, for the 2014/2015 Academic Year. Returning students who want to continue with the BCBS plan must enroll again for this year through the school’s “Coin” system.
Commonwealth of Massachusetts Law requires that all full-time and three-quarter time students attending an institution of higher education in this state must be enrolled in a qualifying Student Health Insurance Plan that meets established minimum benefit guidelines. All full-time and three-quarter time graduate and undergraduate students who have not filled out a waiver by the due date indicated on the billing invoice will be placed on registration hold. Students must be enrolled for at least 3/4 time and actively attend classes for at least the first 30 days after the date for which coverage is purchased. Part-time study, independent study, internet classes and television (TV) courses may not fulfill the eligibility requirements that the covered student actively attends classes. Students taking only on-line classes are not eligible for school insurance. If the eligibility requirements are not met, Blue Cross Blue Shield’s only obligation is to refund the premium.
If you have private health insurance that will cover you for the entire 2014/2015 academic year, and this coverage meets the minimum guidelines established by the state, you may waive the school sponsored health insurance plan and have the student health insurance annual charge of $2,124 removed from your tuition bill. Most students with out-of-state HMO’s are not eligible to waive the school coverage. Additionally, students who are enrolled in Health Safety Net, Mass Health Limited or Children’s Medical Security Plan may not waive coverage as they do not meet state requirements for students. Other Mass Health plans are considered comparable coverage, and students with these plans may submit a waiver.
Instructions on how to process a waiver of the health insurance plan are available under the Health Insurance Process Information Link on the COIN Student Center Page. Deadline to waive is 10/17/2014 for fall semester and 3/2/2015 for spring semester.
PLEASE NOTE THAT INTERNATIONAL STUDENTS CANNOT WAIVE THE SCHOOL SPONSORED HEALTH INSURANCE PLAN UNLESS COVERED UNDER AN EMBASSY PLAN, FULBRIGHT, AN ACCEPTABLE US BASED INSURANCE THROUGH A SPOUSE OR COVERED UNDER A MASSACHUSETTS CONNECTOR PLAN AND HAVE MEDICAL EXPATRIATION/EVACUATION COVERAGE
Your health care, while you are a student at the University of Massachusetts Dartmouth, is covered by two separate payment systems:
Student Health Fee: This fee entitles students to unlimited sick visits to the office for evaluation, diagnoses and treatment, without a copayment. The student’s private health insurance is billed for office visits, laboratory tests and other procedures that may be done in Health Services.
Student Health Insurance Fee: The student’s private health insurance OR Student Health Insurance Plan will pay for other services, including specialty care, emergency care, inpatient care, lab and x-rays or other treatment received outside of the Student Health Center. Below are the 2014/2015 student health insurance premiums:
8/01/14 - 7/31/15
8/01/14 - 12/31/14
01/01/15 - 07/31/15
If you enroll in the University of Massachusetts Dartmouth Blue Care Elect Preferred (PPO) Student Health Insurance Plan, and are seen by a Preferred Provider, most services are covered at 80% after co-pays and deductibles. If you seek the services of a Non-Preferred Provider, you will be responsible 40% of the cost of services. When you see non-preferred provider, you will be responsible for any difference between the allowed charge and the provider’s actual billed charge (this is in addition to your deductible and/or your co-insurance). There is a $200 deductible for services provided by Preferred or Non-Preferred Providers. A summary of insurance benefits is provided under “Benefit Information” on the left hand side of this page.
To find a participating provider, please visit www.bluecrossma.com for Massachusetts providers. To find participating providers out-of-state, please visit the BlueCard Provider Finder website at www.bcbs.com/healthtravel/finder.html.
If you are purchasing coverage for your Dependents under this plan, you will need to enroll them on-line by visiting www.universityhealthplans.com and selecting the University of Massachusetts Dartmouth link. From this same link, you may also enroll in the separate voluntary Dental and Vision insurance programs (separate premium charged for voluntary programs).
If you are currently uninsured, we recommend that you carefully consider the Student Health Insurance Plan underwritten by Blue Cross Blue Shield of Massachusetts. If you are covered by your family’s or spouse’s insurance plan, we encourage you to compare the costs, coverage, and benefits of the Student Health Insurance Plan to those of your existing plan before making any decision about your health insurance. We believe that many students and/or parents will be pleasantly surprised to find that the cost of our plan may be considerably lower than that of other insurance options, while providing more comprehensive coverage with lower out-of-pocket expenses. If you are under age 26 you may be eligible for your parent’s plan.
Sheila Dorgan, MSN, FNP,
Director of Student Health Services