Emerson College
STUDENT HEALTH INSURANCE PLAN

2017-2018 Academic Year

All students enrolled at least 75% of full-time (matriculated undergraduates enrolled in 9 or more credits and matriculated graduates enrolled in 6 or more credits) are required by law to have health insurance. Therefore, all students enrolled at least 75% of full-time are automatically enrolled in and billed for the Emerson Student Health Insurance Plan (SHIP).

Matriculated undergraduate and matriculated graduates who are less than 75% of full-time and plan to enroll in the Student Health Insurance Plan (SHIP) must submit a written request for coverage. The request for coverage form can be obtained by contacting University Health Plans at info@univhealthplans.com or 800-437-6448.

Health insurance charges are automatically removed when undergraduate and graduate students drop to fewer than 9 or 6 credits, respectively, within the first 30 days of the 1st semester of coverage. These students must also submit a request for coverage through University Health Plans if they would like to remain enrolled in the Student Health Insurance Plan.

Coverage Period

Effective 2017-2018 the Student Health Insurance Plan annual coverage period is changing from August 15 through August 14 to August 1 through July 31. Coverage is effective August 1 through July 31 for students enrolled in the fall semester. The annual premium for undergraduate students is $1,809 and for graduate students is $2,694. Coverage is effective January 1 - July 31 for newly enrolled spring semester students. The spring premium for undergraduate students is $1,058 and for graduate students is $1,574.

The Student Health Insurance Plan is provided by Blue Cross Blue Shield of Massachusetts (previously provided by Aetna Student Health) and administered by University Health Plans. For complete details on the policy, please click benefit information in the navigation menu to the left.  The College offers an Undergraduate and Graduate student plan.


Waiving Health Insurance

Undergraduate and graduate students may waive the Student Health Insurance Plan and Charge by submitting an online waiver form confirming comparable coverage by the designated deadline. An insurance waiver must be completed at the start of each academic year for continued exemption.

  • Health Insurance Waiver: Online Form accessible in the navigation menu on the left-hand side of this page.
  • Check your account online to see if your insurance has been waived.

Contact University Health Plans at 800-437-6448 if you have trouble accessing the waiver.

The last day to waive the annual insurance for fall semester students is September 15th. For students enrolling for the first time in Spring, the last day is February 1st. Students who use their Emerson-provided health insurance at any point are not eligible to waive afterward.

Waiver Requirements

The following are guidelines you should review before submitting a health insurance waiver:

  • U.S. students with comparable coverage under another major medical insurance plan may submit a waiver.
  • Veterans’ benefits that provide access to Veterans’ Administration healthcare facilities, TRICARE, and the U.S. Family Health Plan, a military coverage, are all acceptable to submit a waiver.
  • Students who have out of area HMOs (for example Kaiser Permanente, Empire of NY, and others) may not have comparable coverage as these types of plans only provide coverage for emergency care or when provided by a network of clinicians not available in the Emerson campus area.
  • Health and substance abuse must be covered as any other illness or injury. Injuries or illnesses that occur as a result of alcohol, illegal drugs, or self-harm must be covered as any other illness or injury.
  • A student can waive the insurance if they are enrolled in a subsidized health plan through the Health Connector or MassHealth, excluding MassHealth Limited, the Health Safety Net, or the Children's Medical Security Plan. International students are required to have a U.S.-based health insurance. Foreign carriers with U.S.-based satellites are still considered foreign insurance and do not qualify for the health insurance waiver. International students who believe they have a U.S.-based health insurance may submit a paper waiver form with a copy of their insurance card. Please call University Health Plans at 800-437-6448 to receive the paper waiver form. A review of your waiver and insurance coverage will be completed before your waiver is approved/denied.

Full information about the insurance requirement can be found at the Massachusetts Student Health Insurance website and by viewing the Massachusetts Student Health Insurance Plan Regulations.

International Students

Massachusetts regulation does not consider insurance carriers outside of the United States or coverage by foreign national health service programs comparable to a qualifying student health insurance program.

International students may choose to waive the Emerson College Student Health Insurance Plan if they have alternate health insurance with a U.S.-based carrier that meets Commonwealth of Massachusetts SHIP standards (Please read waiver requirements listed above). If you are already covered by a U.S.-based insurance carrier and you have ascertained that your coverage is comparable, you have the right to waive the required student insurance by the end of the first 10 days of classes for the semester you are enrolled in. Please contact University Health Plans at info@univhealthplans.com or 800-437-6448. Fulbright students enrolled in a health insurance plan through the U.S. Department of State should note the plan’s limitations before considering whether to waive the Emerson College Student Health Insurance Plan.

Please review insurance plans carefully before purchasing a plan and waiving the Student Health Insurance Plan.


Loss of Coverage Regulations

Because Massachusetts state law requires any student participating in at least 75% of the full-time curriculum to have continuous medical insurance, Emerson is responsible for ensuring its students have continuous medical coverage.

If a student waives insurance at the beginning of an academic year, then loses coverage, he or she must notify University Health Plans at info@univhealthplans.com or 800-437-6448 to purchase health insurance through Emerson. Prorated plans are available.


Premium Refund Policy

If you withdraw from school within the first 31 days of a coverage period, you will not be covered under the Student Health Insurance Plan  and the full premium will be refunded, less any claims paid. (This refund policy will not apply if you withdraw due to a covered Accident or Sickness.)

After 31 days, you will be covered for the full period that you have paid the premium for, and no refund will be allowed.

Exception: A Covered Person entering the armed forces of any country will not be covered under the Policy as of the date of such entry. In this case, a pro-rata refund of premium will be made for any such person upon written request received by University Health Plans within 90 days of withdrawal from school.