STUDENT HEALTH INSURANCE PLAN
2013-2014 Academic Year
According to Massachusetts State Law and Suffolk University 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 at least 75% of a full time 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). Suffolk students must annually submit a waiver form if they have comparable health insurance provided by a U.S. based carrier by logging on to www.universityhealthplans.com.
If you do not have a qualified health insurance plan, you are required to participate in the Suffolk University Student Health Insurance Program. This mandate includes all undergraduate, graduate and law students enrolled in at least 75% of a Full time academic program and all International Students. The fee for the student health insurance offered through Suffolk University 2013-14 academic year is $1,840 for full year coverage and $1,248 for Spring Semester Only.
As you prepare for the 2013-14 academic year, we urge you to consider your health insurance coverage a top priority. It is important that students have access to comprehensive medical care while enrolled at Suffolk University. Therefore, all eligible law students are automatically enrolled in the University’s Student Health Insurance Plan (SHIP) for coverage effective August 10, 2013 - August 10, 2014 and all other eligible undergraduate and graduate students coverage effective August 21, 2013 – August 21, 2014. Each student’s account will be charged the $1,840 annual insurance premium.
Before Waiving SHIP
If you are considering waiving Suffolk’s SHIP, please note that some insurance plans are restrictive and may leave students essentially uninsured while away at school. This could result in you incurring substantial out-of-pocket costs for medical care. In evaluating your plan, you must verify the following.
My plan provides comparable coverage that is accessible in the Boston area for:
- Lab tests and x-rays
- Prescription drugs
- Hospitalization (including room & board, physicians’ fees and surgical expenses)
- Outpatient hospital services
- Mental health care
- Emergency room care
- Intercollegiate sports injuries (for those participating, your insurance coverage must meet the NCAA required minimum coverage amount of $90,000)
- My plan will cover me through August 21, 2014
- My plan does not have a high deductible
Waiver Process: For students, participation in SHIP is mandatory unless you are enrolled in another comparable health insurance plan. If you choose to waive SHIP, you will need to provide proof of comparable coverage by logging onto www.universityhealthplans.com and submitting the on-line waiver form by September 30, 2013. A credit in the amount of the Health Insurance Fee will be posted to your student account when we receive the Waiver Form. If you waive coverage, you can only enroll at a later date if you lose coverage under your current private health insurance plan due to a qualifying event. A qualifying event is a change in employment or marital status or reaching the age limit of your insurance plan. You can contact University Health Plans at 800-437-6448 for further information.
Online Information: Please go to www.universityhealthplans.com to learn more about SHIP, to review questions to ask your current plan before waiving SHIP, to download a brochure or Frequently Asked Questions, to locate preferred providers or pharmacies, to enroll eligible dependents or waive coverage.
Delta Dental: A voluntary dental insurance program insured by Delta Dental of MA is also available. To access additional information and to enroll in the dental plan, log onto www.universityhealthplans.com, click on Suffolk University and then select DeltaCare Dental Plan.
VSP Vision: A voluntary vision insurance program insured by VSP is also available. To access additional information and to enroll in the vision plan, log onto www.universityhealthplans.com, click on Suffolk University and then select VSP Vision Care Plan.
The Suffolk Student Health Insurance Plan is serviced by University Health Plans and is underwritten by Blue Cross Blue Shield of MA. Claims are paid by Blue Cross Blue Shield. You can view the details of the Suffolk student health insurance policy on-line by going to www.universityhealthplans.com, select Suffolk University and then Benefits Information for the brochure. Please take the time to make an informed decision regarding your health insurance needs while enrolled at Suffolk University. If you have any questions, please call University Health Plans at 800-437-6448 or via email email@example.com.