Framingham State University

2020-2021 POLICY YEAR


Welcome to the Framingham State University Student Health Insurance Plan.

Massachusetts State Law requires full time (3 or more courses) students to have health insurance, both to protect against unexpected high medical costs and provide access to quality care. This site contains information about the requirements and features of the Framingham State University Student Insurance Plan.

The Student Health Plan for the 2020-2021 Policy Year is through Blue Cross Blue Shield of Massachusetts. The premium is $3,306 for the 2020-2021 Policy Year and the policy is in effect from August 1, 2020, until July 31, 2021. The premium for the Fall Only plan is $1,387 and is effective from August 1, 2020, through December 31, 2020.

Waiver Provisions:

Massachusetts State Law, the Massachusetts Qualifying Student Health Insurance Policy (QSHIP requires you to waive the school sponsored insurance plan each year). It is important for you to make an informed health assessment each year; for instance, have your health insurance needs changed, will you be participating in a study abroad program, will you be traveling for an internship or medical rotation, and do you only have coverage for emergencies? Make sure you are not left mid-year without appropriate health coverage, it could hinder your academic progress. Please take a moment to review the links to the left to assist you in making this important decision.

You may waive coverage under this plan if you have health insurance that meets all the Framingham State University plan requirements in the waiver section. You will need to provide information about your coverage. An accepted waiver applies to the entire academic year during which it is filled.

Waiver/Enrollment selections must be completed by September 30, 2020 for the Fall semester.

Full-Time Students: All full-time students are required to show proof of coverage or to enroll in the Framingham State University Student Insurance Plan. The waiver/enrollment process is an annual one. Framingham State University reserves the right to audit all waivers in order to ensure compliance with Framingham State University insurance requirements.

What to have before you start:

If you currently have comparable health insurance with another insurance company, be sure you have the required level of coverage. Before beginning this enrollment/waiver process, have the following materials with you:

  • Your Framingham State University Student ID number
  • Your current health insurance plan ID card.
  • Your health insurance brochure or plan document.

    If the student falls under one of the following categories, they need to purchase the school’s insurance plan or another comparable plan.

  1. Students with coverage from insurance carriers outside the U.S. and/or coverage by foreign National Health Services programs.
  2. Students with a health insurance plan that provides coverage through a closed network of providers not reasonably accessible in the area where the student attends school, for all emergency services.
  3. Students with Health Safety Net, MassHealth Limited, and Children’s Medical Security Plan may not waive as these are not considered adequate health coverage.  MassHealth is considered acceptable coverage, and students with MassHealth may waive the Framingham State University student health insurance plan.