Orlando Harmon
Assumption College offers a Student Health Insurance Plan (SHIP) to its undergraduate and graduate students. The plan is ACA-compliant and includes access to a national network of providers. Students are automatically charged for SHIP but are not automatically enrolled. To waive the medical insurance fee, students must complete an online waiver form, declaring that they are covered by a comprehensive health insurance plan that meets the waiver requirements. Students are encouraged to compare the costs, coverage, and benefits of SHIP with their existing plans before opting out.
| Characteristics | Values |
|---|---|
| Name of the insurance plan | Student Health Insurance Plan (SHIP) |
| Insurance provider | Blue Cross Blue Shield of Massachusetts |
| Compliance | ACA-compliant |
| Selecting a primary care physician | Not required |
| Referrals | Not required |
| Waiver form availability | Left-hand side navigation menu on the website |
| Waiver deadline | Not mentioned |
| Contact for queries | University Health Plans at 833-251-1744 or [email protected] |
| Enrollment form availability | Left-hand side navigation menu on the website |
| Enrollment deadline | Not mentioned |
| Enrollment fee | Included in the tuition fees |
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What You'll Learn
Assumption College's graduate and undergraduate student health insurance plans
Assumption College Graduate and Undergraduate Student Health Insurance Plans
The 2024-2025 Assumption University Student Health Insurance Plan (SHIP) is provided by Blue Cross Blue Shield of Massachusetts for both graduate and undergraduate students. The plan is ACA-compliant and includes access to Blue Cross Blue Shield's national PPO network of providers. Students are not required to select a primary care physician and referrals are not mandatory.
Waiver
If you are covered by a comprehensive health insurance plan that meets all the waiver requirements, you can opt out of the Assumption University SHIP by completing the waiver form, located in the navigation menu on the left-hand side of the University Health Plans website. Before waiving, it is recommended that you compare the cost, coverage, and benefits of the SHIP to your existing plan. Out-of-state Medicaid and many out-of-state HMO or EPO plans do not provide out-of-network coverage. Urgent and/or emergency-only coverage does not meet the insurance requirements. International insurance plans, travel insurance, and short-term limited-duration plans do not meet the requirements and are not accepted.
Enrollment
Students are encouraged to complete the enrollment form located in the navigation menu on the left-hand side of the University Health Plans website. Although students are automatically charged for the SHIP, they will not be automatically enrolled by Assumption until after the deadline date. Students should enroll as soon as possible to avoid difficulties in accessing their health insurance benefits.
Waiver/Enrollment Support
University Health Plans can be reached at 833-251-1744 or [email protected] for any questions about the online waiver/enrollment process or about the Student Health Plan.
Termination
Due to the Massachusetts Student Health Insurance Plan Regulation, Assumption University is required to allow students to terminate their SHIP mid-academic year if the student is newly eligible for a Massachusetts Subsidized Health Plan or MassHealth prior to the start of the Spring Term (before 1/1/25) or if a student will not be attending the University in the Spring Term. To request the Spring Termination Request form, please contact University Health Plans at 833-251-1744 or [email protected] by January 31, 2025.
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Waiver requirements and restrictions
To waive the medical insurance fee at Assumption College, there are several requirements and restrictions that students should be aware of. Firstly, Assumption College requires students to have comprehensive health insurance coverage that meets specific waiver requirements. This includes having a plan that pays medical providers directly for inpatient and outpatient care, and it must not be a reimbursement plan. Out-of-state Medicaid, certain HMO or EPO plans, and urgent or emergency-only coverage do not meet these requirements. International insurance plans, travel insurance, and short-term limited-duration plans are also not accepted.
Before submitting a waiver, students are encouraged to compare the cost, coverage, and benefits of the Assumption University Student Health Insurance Plan (SHIP) with their existing plan. This includes considering the network of providers and pharmacies available in the campus area. Students can refer to the Massachusetts Health Connector for information on insurance plans and the online marketplace to compare and purchase plans.
To officially waive the medical insurance fee, students need to complete an online waiver form, typically during the summer before the upcoming academic year. This form will require details about the student's current health insurance plan, so having their insurance card on hand is essential. Students should refer to the custom homepage of Assumption College on Gallagher Student for specific instructions, deadlines, and log-in information.
It is important to note that students who do not submit a waiver will be automatically enrolled in the Assumption University SHIP, administered by Blue Cross Blue Shield of Massachusetts. This plan is ACA-compliant and offers access to a national PPO network of providers without the need for a primary care physician or referrals. While students are automatically charged for SHIP, they will not be enrolled until after the deadline date, so timely enrollment is crucial to access health insurance benefits without delay.
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How to opt out of the student health insurance plan
To opt out of the Student Health Insurance Plan (SHIP) at Assumption College, you must have existing health insurance coverage that meets specific waiver requirements. This includes being filed and approved in the United States, fully compliant with the Affordable Care Act (ACA), and providing unlimited essential health benefits, coverage for inpatient and outpatient medical care in Massachusetts, mental health benefits, and preventative care services.
Before seeking to opt out of SHIP, it is recommended that you compare the cost, coverage, and benefits of SHIP to your existing plan. Out-of-state Medicaid and many out-of-state HMO or EPO plans do not provide out-of-network coverage. Additionally, urgent and/or emergency-only coverage does not meet the insurance requirements. You should confirm with your health insurance company that your plan provides emergency and non-emergency care in Massachusetts.
If you are an international student, you can opt out of SHIP by completing the waiver form if you have a US-filed and approved, ACA-compliant health insurance plan that meets the waiver requirements. International insurance plans, travel insurance, and short-term limited-duration plans do not meet the requirements and are not accepted.
To opt out of SHIP, you must complete the waiver form, which can be found in the left-hand side navigation menu on the University Health Plans page for Assumption College. This page provides information about the student health insurance plan and includes contact information for any questions related to the waiver process.
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Enrolling in the student health insurance plan
Enrolling in the Assumption University Student Health Insurance Plan (SHIP) is a straightforward process. SHIP is provided by Blue Cross Blue Shield of Massachusetts and is ACA-compliant. It includes access to Blue Cross Blue Shield's national PPO network of providers, and students do not need to select a primary care physician or obtain referrals.
Firstly, students should compare the cost, coverage, and benefits of SHIP to their existing plan. Out-of-state Medicaid and many out-of-state HMO or EPO plans do not provide out-of-network coverage, and urgent and/or emergency-only coverage does not meet the insurance requirements. International insurance plans, travel insurance, and short-term limited-duration plans do not meet the requirements and are not accepted. Students should also be aware that Massachusetts Health Connector offers information for Massachusetts residents about the online marketplace where they can compare and purchase insurance plans.
Students are automatically charged for SHIP but are not automatically enrolled by Assumption until after the deadline date. To enrol, students should complete the enrollment form located in the navigation menu on the left-hand side of the University Health Plans page. Students should enrol as soon as possible to avoid difficulties in accessing their health insurance benefits. Students may also enrol/waive this coverage electronically through the Student Account Center in the student portal once they receive the email alert that their Fall statement is available. The link to enrol/waive is within the Student Account Center.
Students will need to complete a waiver or enrollment form before the payment deadline. To complete the waiver, students will need their seven-digit Assumption student ID number, Assumption email address, and health insurance information. Students can contact University Health Plans at 833-251-1744 or [email protected] with any questions about the online waiver/enrollment process or the Student Health Plan.
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Comparing insurance options
When comparing insurance options, it is important to consider the different types of health insurance plans available to college students. Firstly, students can typically purchase health insurance directly from their college or university, often referred to as a "campus health plan" or "student health plan". These plans are usually affordable and can provide basic insurance coverage. However, it is worth noting that they may have limited benefits with high deductibles, and there might be additional charges for care at student health clinics.
Secondly, if you are a dependent, you can remain on your parent's health insurance plan until the age of 26. This option is available if your parent has job-based insurance or an insurance plan through the Affordable Care Act (ACA) marketplace. It is important to check the provider network to ensure that you can access care in your state of residence and education.
Thirdly, you may be able to find health insurance through the ACA marketplace, Medicaid, Medicare, or a spouse's health plan, depending on your income and circumstances. The ACA marketplace offers comprehensive coverage, including emergency services and mental health disorder services.
Additionally, international students with a US-filed and approved, ACA-compliant health insurance plan that meets specific requirements may opt out of the student health plan by completing a waiver form.
When comparing insurance options, consider factors such as cost, coverage, and benefits. Compare quotes from different insurance companies and understand the additional costs involved, such as copays, coinsurance, and deductibles.
For Massachusetts residents, the Massachusetts Health Connector provides an online marketplace to compare and purchase insurance plans, and you may be eligible for a Subsidized Health Plan with low or no costs.
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Frequently asked questions
To waive the medical insurance fee at Assumption College, you must be enrolled in 6 or more credits for the fall or spring semester and then complete a waiver form. The form can be found in the left-hand side navigation menu on the Assumption College website.
You will need to provide information on your current health insurance plan, so make sure you have your health insurance card to hand.
The 2024-2025 Assumption University Student Health Insurance Plan (SHIP) is provided by Blue Cross Blue Shield of Massachusetts and includes access to their national PPO network of providers. Students do not have to select a primary care physician and referrals are not required.
