Massachusetts College of Art and Design
Student Health Insurance Program
2023-2024 Academic Year
Massachusetts College of Art and Design (MassArt) is pleased to present you with information about our 2023-2024 Student Health Insurance Plan (SHIP), offered in partnership with Blue Cross Blue Shield of Massachusetts.
ELIGIBILITY
Massachusetts state law requires all full-time students enrolled in a degree-granting program in the state to participate in a qualifying student health insurance program or be enrolled in a health care plan with comparable coverage. To comply with this law, all MassArt undergraduate students taking 9 or more credits and graduate students taking 6.75 or more credits MUST either waive or enroll in the MassArt Student Health Insurance Plan online. Undergraduate students taking less than 9 credits and graduate students taking less than 6.75 credits are not eligible for the MassArt Student Health Insurance Plan.
This is an annual process, and a waiver or enrollment form must be submitted each academic year to ensure that students have sufficient health insurance coverage while in attendance at the college. International students are required to enroll in the Student Health Insurance Plan.
Student Health Insurance Policy Period, Rates and Deadlines:
| Policy Period | Insurance Fee | Deadline | |
| Annual | 08/01/23–07/31/24 | $3,779 | 7/14/2023 |
| New Spring | 01/01/24–07/31/24 | $2,206.50 | 1/28/2024 |
WAIVER PROCESS
To waive the SHIP your health insurance plan must meet the below requirements:
1. Be a US health insurance plan that is filed and approved in the US.
Please note that the following are NOT considered comparable coverage and are NOT eligible for a waiver of the MassArt Student Health Insurance Plan:
- Students with coverage from insurance carriers outside the United States or coverage by foreign National Health Insurance programs.
- Health insurance plans marketed solely to international students are often not filed and approved in the U.S., have limited benefits, provider networks and/or coverage periods that do not comply with the insurance requirements. GBG Insurance, HDL Global Specialty, ISO, PGH (United), PSI, Student Medicover, and Tata AIG are examples of companies that do not meet the waiver requirements.
- Students with a health insurance plan, such as out of state Medicaid, HMO and EPO plans, that provides coverage through a closed network of providers not reasonably assessable in the area where the student attends school, for all but emergency services
- Students with a Health Safety Net, MassHealth Limited, or Children’s Medical Security Plan.
- Travel insurance and short-term limited duration plans are not accepted.
2. Provide coverage for the entire policy year with no break in coverage.
3. Comply with the Affordable Care Act (ACA) and provide minimum essential coverage as defined by the ACA including:
- Provide an unlimited policy maximum
- Include coverage for pre-existing conditions
- Provide emergency and non-emergency care in the area of the College.
ENROLLMENT PROCESS
Eligible students who fail to complete the on-line waiver form by the deadline date listed above will be automatically enrolled in the Student Health Insurance Plan for the entire policy year, and will be billed accordingly. Waivers will not be accepted after the deadline. To expedite the processing of your enrollment in SHIP prior to the deadline, you must confirm enrollment by submitting the online enrollment form found in the navigation menu on the left side of this page. Your eligibility will be confirmed by the school once the tuition bill including the insurance fee has been paid. To discuss payment you must contact the MassArt Business Office.
BENEFIT INFORMATION
The 2023-2024 Summary of Benefits is available in the navigation menu on the left hand side of this page under “Benefit Information”. It is your responsibility to understand the nature and scope of benefits and limitations as well as to abide by posted deadlines.
Please contact University Health Plans at 1-833-251-1710 or info@univhealthplans.com with any questions regarding the Massachusetts College of Art & Design Student Health Insurance Plan.
Student Health Plan
- Waiver Form
- Enrollment Form
- Provider Search
- Worldwide Providers &
Travel Assistance - Update Mailing Address
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.