The University of Massachusetts Dartmouth is pleased to present you with information about our Student Health Insurance Plan, offered in partnership with Blue Cross Blue Shield of Massachusetts, for the 2020/2021 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 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 request by October 11, 2020 will be automatically enrolled in the Student Health Insurance Plan and be responsible for the charge as assessed.
Students must be enrolled for at least 3/4 time to be eligible. 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. Please note that all students who withdraw from or drop all of their classes within the first 31 calendar days of the academic semester will not be eligible for the Student Health Insurance Plan. If the eligibility requirements are not met, Blue Cross Blue Shield’s may terminate the policy.
If you have private health insurance that will cover you for the entire 2020/2021 academic year, and this coverage meets the minimum requirements established by the state, you may waive the school sponsored health insurance plan. The student health insurance annual charge of $2,737 is removed from your tuition bill. The deadline to complete this fall waiver is October 11, 2020.
Most students with out-of-state HMO’s are not eligible to waive the school health insurance plan. 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.
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 10/11/2020 for fall semester and 2/28/2021 for spring semester. Students are responsible for the health insurance charge unless they have qualified for and completed the waiver in COIN.
PLEASE NOTE THAT INTERNATIONAL STUDENTS CANNOT WAIVE THE SCHOOL SPONSORED HEALTH INSURANCE PLAN UNLESS COVERED UNDER AN EMBASSY PLAN, FULBRIGHT, AN ACCEPTABLE UNITED STATES BASED INSURANCE THROUGH A SPOUSE OR YOU ARE A J-1 NON-DEGREE STUDENT WITH ACCEPTABLE COVERAGE.
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 2020/2021 student health insurance premiums:
08/01/20 – 07/31/21
08/01/20 – 12/31/20
01/01/21 – 07/31/21
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 80% after co-insurance/deductibles or 100% after copays. If you seek the services of a Non-Preferred Provider, you will be responsible 35% of the cost (after deductible) for most 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 $250 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 use the "Provider Search" link in the navigation menu on the left-hand side of this page. If you will be traveling abroad, please use the "Worldwide Providers & Travel Assistance" link.
If you are purchasing coverage for your Dependents under this plan, you will need to enroll them on-line by selecting the "Dependent Enrollment Form" link in the navigation menu on the left-hand side of this page. You may also choose to enroll in the separate voluntary Dental and Vision insurance programs (separate premium charged for voluntary programs) that can be found under "Optional Plans".
The Student Health Insurance Plan underwritten by Blue Cross Blue Shield of Massachusetts provides the health insurance coverage required by the state laws. 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 when making a decision about your health insurance coverage. You and/or your parents may find that the cost of this plan may be lower than 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 coverage under your parent’s plan.
Marianne Sullivan, DNP, ANP-BC
Director of Health Services