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MGH INSTITUTE OF HEALTH PROFESSIONS
Student Health Insurance Plan
2010-2011 Policy Year

Dear MGHIHP Students,

According to Massachusetts State Law and Institute policy (Mandatory Health Insurance Coverage Institutions of Higher Education), every institution of higher education shall require all full-time and part-time students enrolled in a certificate, diploma or degree-granting program to participate in a qualifying student health insurance program or in a health benefit plan with comparable coverage as defined in 114.6 CMR 3.05(2).

Students who are not Massachusetts residents who will complete ALL coursework online are not required to prove that they have insurance. However, they will need to complete the waiver form which gives instructions for students of this type.

The Institute offers the following health insurance plan to its students:

University Health Plans, Inc. - This plan is billed by the Institute on your semester tuition statement three times yearly (Summer, Fall and Spring Semesters). Enrollment in this plan is allowed according to the following dates:

  • Summer 2010 coverage period:
  • Fall 2010 coverage period:
  • Spring 2011 coverage period:
 5/1/10 - 8/31/10
9/1/10 - 12/31/10
1/1/11 - 4/30/11		 must be enrolled by 5/1/10
must be enrolled by 9/1/10
must be enrolled by 1/1/11

NOTE: New enrollments will be allowed up until the 1st day of a coverage period. Please see the “Termination Request Form” for information regarding plan cancellations.

The rates for this plan are listed below. These are the rates that will be billed for each semester of enrollment in the plan.

Student Only:
Student and Spouse:
Student and Child:
Student and Children:
Student, Spouse and Children:		 $770.00 per semester
$2,696.00 per semester
$1,926.00 per semester
$2,696.00 per semester
$4,237.00 per semester

This plan has prescription drug coverage with a maximum $2,500 per policy year and a per condition plan maximum of $100,000. The following changes apply to the 2010-2011 policy year: a) office visit copays increased from $15 to $20; b) emergency room visit copays increased from $30 to $50; and c) prescription copays increased from $10/$20 to $15/$30.

Prescription Drug coverage is offered by ExpressScripts.

International Travel Assistance Services are offered by MEDEX.

Other Insurance. If you already carry other health insurance that meets the minimum standards for the state of Massachusetts, you will need to complete the online Insurance Waiver form and submit proof of enrollment to the Registrar’s Office. See “Waiver Form” for details.

If you do not currently have other insurance, you can opt for the University Health Plans, Inc. plan listed above or you can research other student health insurance health plans that will meet your needs. A good link for finding other options is www.healthinsurancefinders.com. Remember, an insurance waiver form must be completed if you do not enroll in the University Health Plans, Inc. plan.

If you do not submit a Health Insurance Waiver Form or do not enroll in the University Health Plans, Inc. plan, you will automatically be defaulted to and billed for that plan. Failure to enroll in the plan will not negate your responsibility for payment.

Without proof of coverage (either a Health Insurance Waiver Form or enrollment in the University Health Plans, Inc. coverage), you will not be allowed to attend classes or register for any subsequent terms.

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