Student Health Insurance
Massachusetts Law requires that all full-time students have “suitable” health insurance coverage. To help our students meet this requirement, Gordon-Conwell offers a health insurance plan called the Student Health Plan. This plan is managed through University Health Plans, and is provided by the health insurance company Blue Cross Blue Shield of MA. A summary of plan benefits for the Student Health Plan can be found in the Summary of Benefits Brochure.
If you are a South Hamilton student enrolled in 6+ credits or a Boston student enrolled in 9+ hours in Fall and Spring, you must enroll in the Seminary plan or waive by providing proof of another insurance plan deemed by the Massachusetts Division of Health Care Finance & Policy (DHCFP) as “comparable coverage” to the plan offered by the Seminary. To read the details on this law and DHCFP provisions, click here.
Important Insurance Links
- University Health Plans
- Blue Cross Blue Shield of MA
- Summary of Benefits Brochure
- Termination Request Form
- Qualifying Event Enrollment Form
- Fall 2013 Waiver Form - (available August 1, 2013)
- Fall 2013 Enrollment Form - (available August 1, 2013)
- Massachusetts Division of Health Care Finance and Policy
How much does the Student Health Plan offered through Gordon-Conwell cost for 2013-2014?
|Rates for 2013-2014|
$3,559 total for the Year (9/1/13 - 8/31/14) billed in two increments;
$1,328 for Fall (9/1/13 - 1/14/14); $2,232 for Spring (1/15/14 - 8/31/14)
|Student Plus One||
$7,450 total for the Year (9/1/13 - 8/31/14) billed in two increments;
$2,776 for Fall (9/1/13 - 1/14/14); $4,675 for Spring (1/15/14 - 8/31/14)
|Student Plus Family||
$11,695 total for the Year (9/1/13 - 8/31/14) billed in two increments;
$4,357 for Fall (9/1/13 - 1/14/14); $7,339 for Spring (1/15/14 - 8/31/14)
How is the Student Health Plan billed?
The Student Health Plan offered through Gordon-Conwell is billed once per semester for enrolled students. The charge appears on the student's Student Account with Gordon-Conwell, along with tuition and other fees. Students may view their bill online at the "My Ledger" link on CAMS.
Do I have to enroll in some type of health insurance while I am a student at Gordon-Conwell?
Yes, if you are enrolled in the minimum required credits:
- A Hamilton student enrolled in 6 or more credits in one semester (Fall and/or Spring)
- A Boston student enrolled in 9 or more credits in one semester (Fall and/or Spring)
The requirement applies to you only for the semester in which you are enrolled in the minimum required credits.
Specifically, if you are enrolled in the minimum required credits, you are required by Massachusetts Law to enroll in either the Student Health Plan offered through Gordon-Conwell or to enroll in an alternate health insurance plan with "comparable coverage."
Am I eligible for the Student Health Plan offered through Gordon-Conwell?
If you are enrolled in the minimum required credits, then you are eligible for the Student Health Plan with Blue Cross Blue Shield of MA. If you are not enrolled in the minimum required credits, you are not eligible for the Student Health Plan.
Can students waive inclusion in Gordon-Conwell’s insurance plan?
Yes, if they enroll in an alternate health insurance plan with "comparable coverage." If you are enrolled in 6 or more credit hours at South Hamilton or 9 or more hours at CUME, you submit a waiver form online before the waiver deadline of September 20, 2013. Students can waive inclusion only if they show proof of comparable coverage through another health insurance provider before this date. Specifically, the plan must be deemed by the Massachusetts Division of Health Care Finance & Policy (DHCFP) as “comparable coverage” to the Student Health Plan offered through Gordon-Conwell. To read the details on this law and DHCFP provisions, click here.
When you fill out the waiver form, you must supply the following information:
- Name, address, and telephone number of your current insurance company
- Name of the policy holder
- Policy number
- Policy start and expiration date (if applicable) under which you are covered
If you have already waived coverage for the 2012-2013 academic year or previous academic years, you still need to submit a waiver form for 2013-2014. The Commonwealth of Massachusetts requires that Gordon-Conwell collect this information each year. The next time we will accept waivers is at the start of the Fall semester.
How do students enroll in the plan?
New students in the Fall and Spring terms enroll by completing the online enrollment form. New students in the Summer term will complete a paper form -- please see the Office of Student Life Services or email email@example.com. Remember to complete each relevant field of the form (online or paper) and ensure that you are eligible for coverage. Contact Student Life Services to inquire about insurance enrollment and eligibility.
Who is eligible for student health insurance coverage?
Full-time or qualifying part-time students are eligible for the seminary plan. For South Hamilton, the requirement is 6 or more credit hours. For Boston CUME, the requirement is 9 or more credit hours. Students who drop below the credit hour minimums indicated above will not be eligible for the student health plan, nor required to enroll in health insurance by MA state law.
Can students enroll dependents on the plan?
Yes, you can add dependents not previously covered on the plan before the semester deadline. To enroll dependents, the student must also be eligible for insurance enrollment and must be enrolled on the insurance for the semester/year the dependents are enrolled. To enroll dependents for Fall 2013, click here.
Does the insurance cover dental or vision?
Generally, the student insurance does not cover dental or vision. However, optional dental and vision plans are available for purchase through University Health Plans. Click here for more information on dental and vision insurance, including costs and enrollment procedures. Please be advised the Student Health Plan does include one eye exam every two years.
If students miss the waiver deadline, will they be charged for the insurance?
Yes, enrollment and/or waiver forms must be submitted by the waiver deadline for your waiver to be effective. Your ability to waive inclusion on the student health insurance plan will no longer be available after this date. Your student account will subsequently be billed the student only rate if you do not waive coverage in time.
What if a student waived the student insurance coverage, but his or her health insurance coverage ends before the next enrollment deadline? Can that student enroll in the student health insurance after the enrollment deadline (i.e. sometime during the semester)?
Yes. Losing existing coverage is considered a "qualified event." In this instance, yes you can enroll in the plan after the enrollment deadline provided you do so before 31 days after the expiration of your previous coverage. To complete this request, you must present documentation of your previous coverage and termination date. Please complete the "Qualifying Event" form, and turn it in with supporting documentation to the Office of Student Life Services. We will review your eligibility to enroll in the student health plan, based on this form and supporting documentation.
How should I request 1099 forms for my taxes?
Some students have found that they need a 1099 form to submit along with their yearly taxes. If you think that you need a 1099 form, and not have one yet, please feel free to call the health insurance companies directly to request the forms. Typically, the 1099 forms are mailed by the health insurance companies at the end of January each year. The health insurance companies send the form to the address that they have on file, so if you have changed your address or the address on file is not a Massachusetts address, you may not have received your forms.
Contact in February or March to request a 1099 forms for your tax filings:
Blue Cross Blue Shield (2011-2012, 2012-2013) at 888-753-6615, http://www.bluecrossma.com/