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Emmanuel College

Undergraduate Student Health Insurance Plan
Annual Waiver Form
2025-2026 Academic Year

Students who have comparable coverage may waive this insurance by completing the waiver form on the following page which certifies comparable coverage with claims processing in the U.S. All students are responsible for checking with their insurance company to ensure that they will have coverage while they are attending Emmanuel prior to waiving participation in the College's health insurance policy.

International insurance, National Health Service programs, travel insurance, short-term limited duration plans, and health sharing plans/Christian Healthcare Ministries do not meet the insurance requirement and are not accepted.

Prior to completing your online waiver form, please review the following and confirm that your Insurance Company complies.

  1. The Company must have its headquarters in the United States; an office in the U.S. does not meet this requirement.
  2. The policy must have unlimited coverage for essential health benefits.
  3. Emergency room visits that do not result in an admission to the hospital must be covered.
  4. Mental health must be covered as any other illness or injury. This means that both in-patient and out-patient treatment must be covered.
  5. There must be coverage for pre-existing conditions.
  6. Please be aware of your insurance plan’s deductible and confirm that you are financially able to meet the deductible of your plan. 
  7. Must be portable to Massachusetts.
    Note: Out-of-state Medicaid (including AmeriHealth Caritas, Anthem HealthKeepers Plus, Cardinal Care, Green Mountain Care, Husky Health, MaineCare, Medi-Cal, NH Healthy Families, Simply Healthcare, Vermont Health Connect, and others) as well as many out-of-state HMO plans do not provide out-of-network coverage. Urgent and/or emergency-only coverage does not meet the health insurance requirements. Some out-of-state plans may offer an “away from home” or “out of area” rider that can be added to your plan to provide coverage in Massachusetts. Before completing a waiver form, please contact your health insurance company to confirm that your plan provides both emergency and non-emergency care in Massachusetts.

Upon review and acceptance of your information, your tuition bill will be credited the Annual policy premium.

The waiver deadline is August 6, 2025.

TO CONTINUE THE WAIVER PROCESS, CLICK HERE.