Eastern Nazarene College is committed to promoting good health and meeting the medical needs of its students. An appropriate health insurance plan is critical in providing peace of mind knowing that students have access to comprehensive health care to receive the services they need in the event of a sickness or injury. It is also necessary to facilitate compliance with Massachusetts state law. All students who are registered in semester length courses, with an enrollment status of at least ¾ time, are required to participate in the ENC sponsored Student Health Insurance Plan unless they submit a waiver that demonstrates that they are covered by a United States based or Embassy sponsored insurance plan with coverage equal to or better than the ENC sponsored Student Health Insurance Plan.
The yearly Student Health Insurance Plan provides coverage to students for a 12-month period, beginning August 15, 2023 through August 14, 2024. Spring Term coverage (for new incoming students only) runs for the period January 1, 2024 through August 14, 2024. The plan provides coverage both locally and worldwide and allows students to have access to a nationwide preferred provider network, as well as a national network of member pharmacies. Please read the brochure provided on this site for specific information regarding coverage. The premium for 2023-2024 will be $2,400.00.
Please allow 10-15 business days from the date of your waiver submission for the credit to be reflected on your student bill.
Cost and Coverage Periods
|Annual Students||New Spring Students|
|Coverage Dates||08/15/2023 - 08/14/2024||01/01/2024 - 08/14/2024|
|Waiver/Enrollment Deadline||July 31, 2023||January 31, 2024|
You need to identify whether you need to enroll in the yearly Student Health Insurance Plan or if you are eligible to waive. Although your insurance plan may provide good benefits when you are in your home state or country, it is important to ensure it will adequately cover you in this area while attending school. If you wish to waive out of the Student Health Insurance Plan, you are responsible to determine that your insurance plan provides coverage to be treated by medical and mental health providers in the Quincy area (reasonably near the ENC campus), and that it is equal to or better than the Student Health Insurance Plan. An insurance plan whose coverage in the Quincy area is limited to treatment at an Urgent Care Center or an Emergency Room is not acceptable coverage. Your plan must also have no capped maximum amount. Students with coverage through MassHealth Limited or the Children’s Medical Security Plan are not eligible to waive. Please note, most out of state Medicaid and HMO plans do not provide adequate coverage in Massachusetts. If you live outside of Massachusetts, it is highly recommended that you call member services for your insurance provider and ask about your coverage in this area before you waive the insurance.
Once you have evaluated your insurance options, you are required to either Enroll in OR Waive the Student Health Insurance Plan every year. If you would like to keep both your own insurance, and also accept the student plan, you should fill out the enrollment form online and do not submit a waiver. A waiver may be reviewed by Eastern Nazarene College to verify coverage. During the review, if your insurance company indicates that your coverage is not equal to or better than the Student Health Insurance Plan, your waiver will be denied. This assessment may include, but is not limited to, mental health care coverage, compliance with the Affordable Care Act, and treatment by a doctor in the Quincy area. If a waiver is denied at any time, you will be notified and manually enrolled in the Student Health Insurance Plan. The cost for the insurance will remain on your student bill.
If you are a domestic student and are eligible to waive this plan and have the insurance charge removed from your account, you must submit the online waiver form.
If you are an international student or other non-U.S. resident, you are expected to enroll in the Student Health Insurance Plan unless you have an Embassy Sponsored Program or health insurance that is U.S based with equal or better coverage. If you have U.S based health insurance with equal or better coverage OR an Embassy Sponsored Plan, you may complete and submit the online waiver form. Please note, international insurance plans and travel insurance plans such as ISO, Tokio Marine, International Medical Group, and Global Benefit Group, as well as any insurance plan or company marketed as “international” or “travel” are not acceptable. These plans not fully compliant with the Affordable Care Act are not deemed comparable. All International Waivers will be reviewed and if it does not meet the requirements, you will be notified and manually enrolled in the Student Health Insurance Plan. The charge for the Health Insurance will remain on your student bill.
WAIVER AND ENROLLMENT PROCESS:
Please note, if you waive the Student Health Insurance Plan and lose your private health insurance due to a “qualifying event” (aging off a parent’s plan, job loss or job change) during the year, please contact Student Financial Services at 617-745-3869 to make arrangements to enroll in the Student Health Insurance Plan. Application for coverage under the Student Health Insurance Plan must be made within 60 days of the date your private insurance terminated.
We encourage you to read the information provided and take the time to make an informed decision regarding your health insurance coverage. If you have questions regarding the Student Health Insurance Plan, please contact University Health Plans, Inc. at 1-833-251-1729, or by email at universityhealthplans.com.