American International College

2020-2021 Academic Year

Massachusetts requires students enrolled at least 75% of full time, who are not enrolled solely in short term courses or an online program, to be covered by health insurance. Students required to have health insurance are enrolled in the American International College (AIC) Student Health Insurance Plan (SHIP) unless proof of comparable coverage is provided by completing the waiver form.

Plan Highlights

The 2020-21 AIC SHIP is provided by Blue Cross Blue Shield of Massachusetts. The plan is ACA compliant and includes access to Blue Cross Blue Shield's national PPO network of providers. Students do not have to select a primary care physician and referrals are not required. 

AIC has partnered with University Health Plans to administer the plan and help with any waiver, enrollment, or benefit-related questions. University Health Plans can be reached at 800-437-6448 or

Cost and Coverage Periods

  Annual Students New Spring Students
Coverage Dates  August 1, 2020 – July 31, 2021  January 1, 2021 – July 31, 2021
Insurance Cost $2,189 $1,279

Petition to Waive Deadline

October 28, 2020 March 21, 2021

Enrollment Process

If you are planning to use the student health insurance plan, complete the enrollment form in the navigation menu to the left to initiate the transfer of your information to the insurance company. Students required to have insurance who do not submit an enrollment or waiver form will be enrolled in the SHIP after the deadline, retroactive to August 1, 2020.

Part-time students who are not mandated to have insurance may enroll in the SHIP on a voluntary basis by completing the enrollment form by the deadline. The insurance charge will be added to the student billing statement. 

If you are a student whose practicum has been extended into the Fall 2020 semester and you will be graduating by December 31, 2020 then you are eligible to enroll in the Fall Only insurance. To request insurance for Fall Only please follow the steps below:

  1. Complete the Enrollment Form in the navigation menu to the left
  2. Complete the Spring Termination Request in the navigation menu to the left and state that you are not returning to AIC for the Spring semester
  3. Once your Spring Termination Request has been approved AIC will reduce your health insurance fee to $916

Waiver Process

If you are covered by a comprehensive health insurance plan you can opt-out of the AIC SHIP by completing the petition to waive form in the navigation menu to the left by the deadline above. Before waiving, compare the cost, coverage, and benefits of the SHIP to your existing plan. Please consider the following:

  • Your plan must provide access to in-network doctors, hospitals, labs, pharmacies, and behavioral health providers in the Springfield, MA area. 
  • Out of state Medicaid and many HMO or EPO plans do not provide out-of-network coverage. Emergency only coverage does not meet Massachusetts SHIP requirements.
  • Many plans do not cover referrals made by Health Services. 

If you do not submit a petition to waive form by the deadline above, you will be enrolled in SHIP and responsible for the premium. 

Please note: If your waiver request requires additional information for approval, documents must be submitted by the deadline above.   

Domestic Students who will study 100% outside of Massachusetts for the Fall 2020 semester and do not have comprehensive health insurance in MA: you may complete a Fall Waiver Form to defer your requirement to have comprehensive insurance in Massachusetts until the Spring 2021 semester. To access the Fall Waiver Form you must complete the Petition to Waive Form in the navigation menu to the left. Based on your responses to the questions asked you will be directed to the Annual or Fall 2020 Waiver Form. You must have comprehensive insurance coverage in the area in which you will study remotely.

International Students Not Living in The US: International students who are studying 100% remotely from outside the US can complete the International Residency Waiver in the navigation menu to the left to update their residency and defer the requirement to have US health insurance until the spring semester.

Qualifying Event Enrollment Process

Students who waived the SHIP may qualify for special enrollment rights if they incur an involuntary loss of other coverage. To request an enrollment form and premium quote, contact university health plans at 800-437-6448 or

To enroll, you must submit an enrollment form, letter from your prior insurance company documenting your loss of coverage and payment within 60 days of the qualifying event. If all three items are received by the deadline coverage will be effective as of the first day without coverage under your prior plan.