Fitchburg State University
STUDENT HEALTH INSURANCE PLAN
2022-2023 Policy Year
Spring Term 2023
The waiver and enrollment deadline date for new incoming students for Spring Term 2023 is February 28, 2023.
In accordance with Massachusetts State Law, Fitchburg State University requires all undergraduate students registered in at least 9 credits and all graduate students registered in at least 4.5 credits to participate in the Student Health Insurance Plan unless proof of comparable coverage is provided. All International students are required to enroll in the Student Health Insurance Plan. Students enrolled in online classes only are not eligible to purchase the Student Health Insurance Plan.
Students with coverage from insurance carriers outside the United States or coverage by foreign National Health Insurance programs may not waive participation in the university’s plan. These plans are not deemed to be comparable to coverage under a QSHIP program. This is a change in the QSHIP regulations that has been mandated by the Division of Health Care Finance and Policy and all institutions are required to comply with this change.
Students must either:
- Complete the On-Line Enrollment Form.
- Complete the On-Line Waiver Form.
New students for the Spring, 2023 Semester who fail to complete the on-line enrollment or waiver form will have a hold placed on their student account and will not be able to continue academic advancement until they complete an on-line enrollment or waiver form. As provided by Massachusetts State Law, completion of the on-line enrollment or waiver form is required annually. Health Safety Net is not considered comparable coverage.
Please allow 7-10 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 |
8/1/22 - 7/31/23 |
1/1/23 - 7/31/23 |
|
Insurance Cost |
$3,663.00 |
$2,143.00 |
|
Waiver/Enrollment Deadline |
November 11, 2022 |
February 28, 2023 |
In order to waive coverage, be sure that services covered by your current health insurance plan are reasonably accessible in the Fitchburg area:
- Lab tests and x-rays
- Prescription drugs
- Outpatient hospital services
- Mental health care
- Emergency room care
- Hospitalization (including room and board, physician’s fees, and surgical expenses)
To complete the Enrollment Form or Waiver Form, select appropriately from the MENU options to the left. When you have completed and successfully submitted the form, you will immediately receive a notice indicating the completion of the form. Please print this notice for your records. If you provide an email address on your form you will also receive an email confirmation.
Please note, if you do not complete a waiver form or enrollment form by the posted deadline date, you will be automatically enrolled in and charged for the Annual Term of the 2022/2023 Student Health Insurance Plan. As stated above, this is Massachusetts State Law.
If you are covered by MassHealth (other than Health Safety Net, MassHealth Limited, or Children’s Medical Security Plan), you may be eligible to enroll in the Student Health Insurance Plan (SHIP) and have the premium paid by MassHealth Premium Assistance. To see if you’re eligible, select the Waiver Form or Enrollment Form link and follow the prompts.
Please contact University Health Plans at 1-833-251-1724 if you have any questions.
Student Health Plan
- Waiver Form
- Enrollment Form
- Provider Search
- Worldwide Providers &
Travel Assistance - Insurance ID Card
Optional Plans
Additional Information
Please review the 23-24 Summary of Benefits and Coverage and note the out-of-pocket maximum and coinsurance required for specialty drugs.
- Out-of-pocket maximum is $8,700 for medical and prescription drug expenses.
- The 5-Tier Plan prescription drug copays:
- Tier 1: $10 copay (generic)
- Tier 2: $20 copay (preferred brand)
- Tier 3: $30 copay (non-preferred brand)
- Tier 4: 30% coinsurance (preferred specialty)
- Tier 5: 30% coinsurance (non-preferred specialty)
To look-up your prescription medication in the 5-Tier Plan, choose Prescription Info → Medication Look Up in the navigation menu on the left.
We encourage students anticipating high out-of-pocket costs to compare other insurance options to the SHIP. The Massachusetts Health Connector offers information about their online insurance marketplace where you can compare and purchase insurance plans. You may be eligible for a Subsidized Health Plan (a low or no cost insurance program for qualifying uninsured adults).
The following changes have been made to the 2022-2023 policy:
- Out of Pocket Maximum will increase to $8,700 for combined medical and prescription expenses.
- The prescription drug copayments will change to a 5-Tier Plan:
- Tier 1: $10 copay (generic)
- Tier 2: $20 copay (preferred brand)
- Tier 3: $30 copay (non-preferred brand)
- Tier 4: 30% coinsurance (preferred specialty)
- Tier 5: 30% coinsurance (non-preferred specialty)
To look-up your prescription medication in the 5-Tier Plan, choose Prescription Info → Medication Look Up in the navigation menu on the left.
The following changes have been made to the 2022-2023 policy:
- Out of Pocket Maximum will increase to $8,700 for combined medical and prescription expenses.
- The prescription drug copayments will change to a 5-Tier Plan:
- Tier 1: $10 copay (generic)
- Tier 2: $20 copay (preferred brand)
- Tier 3: $30 copay (non-preferred brand)
- Tier 4: 30% coinsurance (preferred specialty)
- Tier 5: 30% coinsurance (non-preferred specialty)
To look-up your prescription medication in the 5-Tier Plan, choose Prescription Info → Medication Look Up in the navigation menu on the left.