STUDENT HEALTH INSURANCE PLAN
2018-2019 Academic Year
As you prepare for the 2018-2019 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 (Mandatory Health Insurance Coverage Institutions of Higher Education) and Suffolk University policy, 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, 2018 - August 21, 2019. 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 must purchase the Suffolk student health insurance plan with the exception of:
- Those international students whose sponsoring institutions have a signed agreement with Suffolk that complies with the University’s health insurance waiver requirements or
- International students with a plan for which their health insurance company's primary home office is based in the United States AND the policy provides comparable coverage to the University student health insurance plan.
International students who do not fall under conditions 1 or 2 above MUST purchase the University’s student health insurance plan and therefore are not eligible for a waiver. All out of state students with insurance plans that do not provide emergency and non-emergency coverage for treatment with Massachusetts medical and mental health providers must purchase the Suffolk student health insurance plan.
The fee for the student health insurance offered through the Suffolk University 2018-19 academic year is $2,651 and will be automatically applied to each Suffolk student account for Annual coverage August 21, 2018 to August 21, 2019. The Fall student health insurance waiver deadline is September 30, 2018. The fee for new/transfer Spring Semester students is (TBA) for coverage January 1, 2019 to August 21, 2019. The Spring waiver deadline is February 10, 2019.
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 full details of the 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 the SSHIP benefits 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 contact University Health Plans at 800-437-6448 or via email firstname.lastname@example.org.