American International College

2018-2019 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 unless proof of comparable coverage is provided by completing the waiver form.

Plan Highlights

The 2018-19 AIC Student Health Insurance Plan (SHIP) is provided by Aetna Student Health. The plan is ACA compliant and includes access to Aetna's national 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, 2018 – July 31, 2019  January 1, 2019 – July 31, 2019
Insurance Cost $1,870 $1,091
Petition to Waive Deadline October 7, 2018 February 24, 2019

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. New Spring 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 January 1, 2019.

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. 

Waiver Process

If you are covered by a comprehensive health insurance plan you can opt out of the AIC SHIP by completing the late waiver form in the navigation menu to the left by February 10th, 2019. 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 late waiver form by February 10th, 2019 you will be enrolled in SHIP and responsible for the premium. 

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.