Student Health Insurance Required by Law
Massachusetts State Law requires all college student taking nine (9) or more credits to have health insurance. Students must participate in either a qualifying student health insurance program or a private health insurance plan with comparable coverage.
Helpful Hint: We recommend that all students take a photograph of both sides of their insurance card with their phone, to increase the chances that they will have their insurance information readily accessible whenever needed.
Consider Your Current Plan
One of the many decisions to be made during the summer months in preparation for the upcoming academic year is whether your current insurance plan will adequately provide coverage while attending Stonehill College.
We have found that many students arrive on campus with insurance that is inadequate due to restrictive provider networks, high deductibles, or limited coverage for services received outside of a health plan’s service area.
It is your decision to enroll or waive the Stonehill College Student Health Insurance Plan, but here are some questions to think about and to ask your current health plan:
- Does my plan cover full-time students attending college away from home or even out-of-state?
- Does my plan provide adequate coverage for emergency services, local urgent care facilities, diagnostic x-rays, laboratory services, mental health coverage, prescription drugs, and inpatient and outpatient hospitalization?
- Does my plan have participating in-network health care providers in the Easton, MA area?
- Does my current plan have a high deductible that needs to be met before full coverage begins?
Student Health Insurance Plan
If you don't have coverage or if your coverage isn't adequate, you will need to enroll in the Student Health Insurance Plan (SHIP). The Plan is underwritten by Harvard Pilgrim Health care Insurance Company (HPHC) and managed by Gallagher Student Health & Special Risk.
Conversely, if your current health insurance plan is comparable, you are not required to purchase the Student Health Insurance Plan.
Stonehill College bills all students for the Student Health Insurance Plan until proof of comparable coverage is received. Information will be sent with the bills in July on how to complete an online waiver or acceptance of the insurance. You can complete the insurance waiver between July 15, 2016 and August 15, 2016 at www.gallagherstudent.com/stonehill. The option to waive or enroll is not available on the website until July 15th, so please mark your calendars!
Stonehill College's Student Health Insurance Plan is underwritten by Harvard Pilgrim Health Care Insurance Company (HPHC) and is managed by Gallagher Student Health & Special Risk, located in Quincy, Massachusetts. An online brochure describing the plan in its entirety will be available soon and a member of the Gallagher Student Health & Special Risk team will be present at the June Orientation to answer any questions. Some basic points of coverage include the following:
- This is a PPO plan with In-Network providers covered at 90% and Out-of-Network providers covered at 70%.
- This plan has no overall plan maximum (unlimited coverage), low deductibles ($150 in-network/$300 out of network), and low co-payments.
- Coverage includes hospitalization, surgery, prescription drugs, diagnostic testing and lab work, emergency care, mental health, and substance abuse services.
- Preventative Care Services, including routine physicals and many immunizations, are covered at 100% In-Network, with no cost-sharing (no deductibles or co-payments).
- A Dental Savings Program, discount Vision Plan, and "CampusFit", an interactive wellness website, are also offered through the plan.
Coverage Term Dates
The Student Health Insurance Plan provides coverage to students for a 12-month period, which begins on August 13, 2016 and extends through August 12, 2017.
Cost of Plan
The cost of the 2016-2017 Student Health Insurance Plan is $ 2,093 for 12 months of coverage (see dates of coverage above) and is meant to be an affordable option for students and their families to consider. More details will be available at orientation in June.
Important Information to Consider
Medicaid coverage from a state other than Massachusetts does NOT meet Massachusetts requirements.
Although some programs subsidized through the Commonwealth of Massachusetts are acceptable, the following Massachusetts subsidized programs are not acceptable: Mass Health Limited Plan, Health Safety Net, and Children's Medical Security Plan.
International students are required to purchase the Stonehill College Student Injury and Sickness Insurance Plan. Insurance policies from other countries do not meet Massachusetts requirements.
Contact Gallagher Student Health and Special Risk
If you have questions about the Student Accident and Sickness Insurance Plan, please contact Gallagher Student Health and Special Risk Insurance by visiting their Stonehill College-specific webpage at www.gallagherstudent.com/stonehill or by calling (800) 406-4911.
Student Health Insurance Forms and Documents
- Student Health Insurance Waiver Instructions
- Student Health Insurance Benefit Summary
- Student Health Insurance FAQs
- Should I waive the health insurance?