STUDENT HEALTH INSURANCE PLAN
2014-2015 Academic Year
As you prepare for the 2014-15 academic year, we urge you to consider your health insurance coverage a top priority. It is important that students have access to comprehensive medical care while enrolled at Suffolk University. According to Massachusetts law and Suffolk University policy (Mandatory Health Insurance Coverage Institutions of Higher Education), every institution of higher education shall require all full-time and part-time students enrolled in at least 75% of a full time program to participate in a qualifying student health insurance program or in a health benefit plan with comparable coverage as defined in 114.6 CMR 3.05(2). Therefore, all eligible students are automatically enrolled in the Suffolk University Student Health Insurance Plan (“SSHIP”) for coverage effective August 21, 2014 - August 21, 2015. Suffolk students must submit an online waiver form, annually, to opt out of SSHIP with comparable health insurance provided by a U.S. based insurance carrier. More information about the online waiver form instructions can be found at http://www.suffolk.edu/healthrequirements. If an eligible Suffolk student does not have a qualified health insurance plan, then enrollment in the Suffolk University Student Health Insurance Program is required. This mandate includes all undergraduate, graduate, and law students enrolled in at least 75% of a Full time academic program, and all International Students. The fee for the student health insurance offered through Suffolk University 2014-15 academic year will be automatically applied to the Suffolk student account is $1,970 for Annual coverage (Aug 21-Aug 21) and $1,327 for new/transfer Spring Semester student coverage (Jan 1-Aug 21). The Fall waiver deadline is September 24, 2014 and the Spring waiver deadline is February 10, 2015.
If you are considering waiving the Suffolk Student Health Insurance Plan, please take note that some insurance plans in the market are restrictive and may leave students essentially uninsured while at school. This could result in the student incurring substantial out-of-pocket costs for medical care. We have provided some information to consider when reviewing comparable coverage that is accessible to in-network providers in the Boston area. The Suffolk Student Health Insurance Plan is serviced by University Health Plans and is underwritten by Blue Cross Blue Shield of MA. The Student Health Plan is Blue Care Elect Value Plus (PPO) and claims are paid by Blue Cross Blue Shield. For instance, there is no dollar cap on health benefit coverage and there are no deductibles when seeing an in-network provider. You can view the full details of Suffolk student health insurance policy on-line by going to www.universityhealthplans.com, select Suffolk University and then Benefits Information for the brochure. Under the Affordable Care Act (“ACA”), student health insurance coverage is defined as a type of individual health insurance coverage that is provided per an agreement between an institution of higher education and a health insurance issuer, and provided to students (and their dependents) enrolled in that institution.
“Essential Health Benefits” categories included:
- Ambulatory patient services, including outpatient day surgery and related anesthesia
- Mental health and substance use disorder services, including behavioral health treatment
- Laboratory Services
- Emergency Services
- Prescription Drugs
- Preventive and wellness and chronic disease management
- Rehabilitative and habilitative services and devices
- Pediatric services, including oral and vision care
- Maternity and newborn care.
Please take the time to review in order to make an informed decision regarding your health insurance needs while enrolled at Suffolk University. If you have any questions regarding the Suffolk Student Health Insurance Plan, please call University Health Plans at 800-437-6448 or via email firstname.lastname@example.org.