Clark University
STUDENT HEALTH INSURANCE PLAN

2020-2021 Academic Year

Dear Student:

The Commonwealth of Massachusetts mandates that all full-time and three-quarter-time students attending an institution of higher education in this state must be enrolled in a qualifying Student Health Plan that meets established minimum benefit guidelines.

All matriculated full-time and three-quarter-time students at Clark are required to carry health insurance and are automatically enrolled in and charged for the Clark University Student Health Insurance Plan. Only matriculated full-time and three-quarter-time students are eligible to purchase this plan.

ALL ELIGIBLE STUDENTS MUST COMPLETE EITHER A
WAIVER FORM OR ENROLLMENT FORM BY THE DEADLINE OF MARCH 8, 2021.

WAIVER FORM: Complete this form if you have other, comparable coverage and want to remove the $1,321 insurance charge from your student bill.  

ENROLLMENT FORM: Complete this form if you want to expedite the processing of your Student Health Insurance enrollment. If you do not complete this form, your information will not be added to the insurance plan system until after the effective date of 8/15/20.

To complete either form, first click on the appropriate blue box on the left by selecting "Waiver Form" or "Enrollment Form"; fill in all required information; and submit the form by clicking "Apply". You have not successfully submitted your form until you reach the confirmation page, which will provide you with a confirmation number. Print your confirmation page for your records. A confirmation email will also be sent to the email address provided.


OTHER IMPORTANT NOTICES

ACCESS TO CARE IN THE AREA YOU ARE STUDYING: If you are covered by a health insurance plan outside of the Worcester area, your coverage may be limited or not available while at Clark. This is particularly a concern if you are insured through a Health Maintenance Organization (HMO), such as Kaiser. Please check with your insurance company on possible limitations before submitting a waiver form. Health insurance plans that do not reasonably provide access for all health services to the student in the Worcester, MA area are not eligible for a waiver. If you are not studying in the Worcester, MA area you must have comprehensive coverage in the area in which you will be studying to be eligible for a waiver.

Please note, in the event fall 2020 courses are remote due to the COVID-19 pandemic and you submit the waiver form with an out of area plan, it is important that you re-evaluate your health insurance needs when you return to Massachusetts. If your private insurance policy does not extend to Massachusetts for non-emergency care, you must contact University Health Plans at 800-437-6448 or info@univhealthplans.com to enroll in the Clark University student health insurance plan. Your waiver form may be subject to an audit or resubmission upon returning to campus. Emergency only care is not sufficient while living in Massachusetts.

INTERNATIONAL STUDENTS: International students may not waive participation in the student health insurance program online. To waive the Student Health Insurance Plan and report your own insurance:

  • The policy must be a US health insurance plan that is filed and approved in the US. Travel insurance and short-term limited duration plans are not accepted
  • The policy must provide medical evacuation and repatriation benefits
  • The policy must provide effective coverage for full insurance period in which you are requesting a waiver. Annual coverage effective as of 8/15/2020 or Spring coverage effective as of 1/1/2021. If you do not have coverage for the full policy period in which you are requesting a waiver, you will not be eligible to waive particpation in the Clark University Student Health Insurance Plan. 
  • The policy must be in full compliance with the Affordable Care Act (ACA) and provide minimum essential coverage as defined by the ACA including:
    • The policy must provide an unlimited policy maximum
    • The policy cannot have a pre-existing condition exclusion/limitation
    • The policy must provide emergency and non-emergency coverage in Worcester, MA
    • The policy must provide an unlimited maximum for mental/behavioral health care for inpatient and outpatient service

For more information regarding requirements or waiver eligibility for international students please contact University Health Plans at 800-437-6448 or info@univhealthplans.com.

RETURNING STUDENTS: All students must submit a new waiver or enrollment form for the 2020-2021 policy year by the final 2020 Waiver Form deadline of July 15, 2020 even if their decision or information has not changed since last year. If you are covered by the Student Health Insurance Plan through August 14, 2020, and do not complete a new enrollment form by the deadline, your insurance will become temporarily inactive until your name is resubmitted and reprocessed. A form MUST be on file for EVERY policy year during which you are a full-time or three-quarter-time matriculated student.

MISSING THE WAIVER/ENROLLMENT DEADLINE: Fall 2020 students who do not complete a health insurance waiver/enrollment form by the deadline of July 15, 2020 (or New Spring 2020 students by the February 28, 2021 deadline), will be automatically enrolled in and charged for the Clark University Student Health Insurance Plan in order for the University to be in compliance with Massachusetts Law. Students looking to waive will not be eligible for a refund for Student Insurance after the deadline of  July 15, 2020 (February 28, 2021, for New Spring 2020 students).

GENERAL PLAN INFORMATION: The Clark University Student Health Insurance Plan for the 2020-2021 year was negotiated with University Health Plans, Inc. and Blue Cross Blue Shield of MA. The plan covers students from August 15, 2020, through August 14, 2021, for the Annual Plan and from January 1, 2021, through August 14, 2021, for the Spring Plan. The cost to an individual student is $2,093 for the Annual plan and $1,321 for new students starting in the Spring.

The benefits for this plan can be found by selecting "Benefit Information" from the menu at the left of this page. The Student Health Insurance Plan covers individual students only and does not provide coverage for their dependents or other family members. To find Blue Cross Blue Shield providers click on the "Find a Provider" link. Should you have any enrollment/eligibility questions, please contact University Health Plans at 800-437-6448 or info@univhealthplans.com. For questions about benefits and claims, please contact Blue Cross Blue Shield of MA at 888-753-6615.

Sincerely,

Student Accounts
Clark University