Elms College

POLICY YEAR 2022 - 2023


All new Student Athletes for the Spring 2023 Semester

The waiver deadline for the Spring Term 2023 is January 31, 2023.

Elms College is committed to promoting good health and meeting the medical needs of its students. A health insurance plan is critical in providing peace of mind knowing that students can receive the services they need in the event of a sickness or injury.

Massachusetts State Law mandates that all students who are full-time and three-quarter time carry adequate medical insurance to help cover the extra expenses of medical treatment. The Elms College Student Health Insurance Plan for the Annual Term 2022 - 2023 provides coverage to students from August 15, 2022 through August 14, 2023. Spring Term coverage is from January 18, 2023 through August 14, 2023.  The plan includes a local and national network of preferred providers and is designed to be an affordable option.

Elms College requires all Student Athletes to be enrolled in a health insurance plan while attending the College. While Elms maintains a separate Intercollegiate Sports Accident Policy, it is an Excess Policy, and you are required to provide Primary Coverage for the Student Athlete.

Although many families may have some form of insurance, it's important to ensure that students are adequately covered while attending schools. All too often situations arise in which a student requires medical or mental health care beyond what is available at the Elms College Health Center and discover that their insurance covers them only in the event of an emergency or in their home geographic region. This frequently results in students needing to take an otherwise unnecessary leave of absence from college to return home to get the treatment they need.

PLEASE NOTE: If you are currently covered under a non-US based insurance carrier, a foreign national health service program (socialized medicine), or the Health Safety Net, MassHealth Limited, and Children's Medical Security Plan, you are NOT eligible to waive the Elms College Student Health Insurance plan. These types of plans are not considered comparable coverage by Massachusetts State Law, and you will be required to enroll in the Elms College Student Health Insurance Plan.

MassHealth or other Massachusetts subsidized health benefits plans ARE considered comparable coverage. Students who are covered under MassHealth due to disability or other qualifying event and Students who are covered under Commonwealth Care may waive participation in the school's health insurance program.

To assist you in making an informed decision regarding your health insurance needs, here are some general questions to ask your current health plan to ensure it provides adequate coverage:

Does your current health plan...

....provide coverage while in the area of the Elms College campus? Many HMO plans provide coverage for emergency treatment only while out-of-area of the local HMO.

...cover you as long as you are a registered student at Elms College? Most employer plans drop dependents at a certain age or if a parent has a job change.

...cover mental health services? Many employer-sponsored plans provide very limited coverage for mental health services.

...provide coverage anywhere in the world, including medical evacuation and repatriation benefits while the student is away from campus for academics, research, work or vacation? Many employer-sponsored plans will only provide coverage while in the United States, and most do not include any medical evacuation or repatriation benefits.

...include prescription drug coverage and a nationwide network of member pharmacies? Many employer-sponsored plans do not provide prescription drug coverage, or only very limited benefits available at certain local pharmacies.

While the majority of students' health issues can be met by Elms Health Center, there are times when outside specialists or additional consultation is warranted. At such times, the Student Health Insurance Plan sponsored by Elms College provides coverage worldwide and allows students to seek care from any licensed provider. Students also have access to a nationwide preferred provider network, as well as a national network of member pharmacies.

The plan provides coverage for expenses relating to injury or sickness including diagnostic testing, lab and x-ray services, doctor visits and prescription drugs.

ALL NEW STUDENTS FOR THE SPRING 2023 TERM MUST record their medical insurance information by visiting www.universityhealthplans.com. You must let us know if you are enrolling in the Student Health Insurance Plan offered by Elms College or if you prefer to waive this plan. ALL STUDENTS must record their choice on-line in order to ensure your Spring Term bill accurately reflects your choice, and those enrolling in the Elms plan have their medical ID cards as early as possible. It is your responsibility to carefully compare your current insurance plan with that offered by Elms College to ensure the coverage is truly comparable. If you do not have comparable health insurance or do not complete the online waiver by the deadline, you will be required to purchase the Student Health Insurance Plan and will be automatically enrolled; refunds will not be given.

Please allow 7-10 business days from the date of your waiver submission for the credit to be reflected on your student bill.

Cost and Coverage Periods

      Annual Students       New Spring Students  
Coverage Dates  8/15/21 - 8/14/22 1/18/22 - 8/14/22
Insurance Cost  $3,195 $1,830
Waiver/Enrollment Deadline     August 31, 2022 January 31, 2023

We encourage you to read the information provided and take the time to make an informed decision regarding your health coverage. It is the student’s responsibility to review the details of the Student Health Insurance Plan thoroughly. Elms College is not responsible for expenses incurred after benefits have been paid. In addition, we highly recommend that the student obtain a verification of benefits before any procedure or surgery is performed.

If you have questions regarding the Student Health Insurance Plan, please contact University Health Plans Inc. at 1-833-251-1728.


Jessie Chenier,  Director of Student Health Center