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 or Boston student enrolled in +6 credits in Fall and Spring, you must enroll in the Seminary plan or waive by providing proof of another insurance plan deemed by the Massachusetts Connector Authority as “comparable coverage” to the plan offered by the Seminary. To read more about the regulation and determine suitability and compliance of a health care plan, please click here; select the green box on the left; In the “Visit the Policy Center” section, select “Learn More”; and select “Student Health Insurance Program”
Important Insurance Links
How much does the Student Health Plan offered through Gordon-Conwell cost for 2015-2016?
|Rates for 2015-2016|
$4,692 total for the Year (9/1/15 - 8/31/16) billed in two increments;
$1,749 for Fall (9/1/15 - 1/14/16); $2,943 for Spring (1/15/16 - 8/31/16)
|Student Plus One||
$9,831 total for the Year (9/1/15 - 8/31/16) billed in two increments;
$3,662 for Fall (9/1/15 - 1/14/16); $6,169 for Spring (1/15/16 - 8/31/16)
|Student Plus Family||
$15,437 total for the Year (9/1/15 - 8/31/16) billed in two increments;
$5,749 for Fall (9/1/15 - 1/14/16); $9,688 for Spring (1/15/16 - 8/31/16)
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?
South Hamilton and Boston Campus students are eligible if they are enrolled in the minimum required credits. If you are not enrolled in the minimum required credits, you are not eligible for the Student Health Plan. If you are eligible and enrolled for Fall term and become ineligible in the Spring (because enrollment changes), then you must be removed from insurance enrollment. Student must maintain the minimum number of credit hours in Fall and Spring terms to remain enrolled in the student insurance plan.
Charlotte and Jacksonville students are not eligible for the Student Health Plan.
- THE SPRING 2016 WAIVER FORM WILL BE AVAILABLE DECEMBER 1, 2015.
- THE SPRING 2016 WAIVER DEADLINE IS FEBRUARY 5, 2016.
Yes, if they enroll in an alternate health insurance plan with "comparable coverage." If you are a Hamilton student enrolled in 6 or more credits or Boston student enrolled in 9 or more credit hours in one semester, you must submit a waiver form online before the Spring waiver deadline of February 5, 2016. 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 determine suitability of a health care plan and its compliance to DHCFP, please 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 the policy is from a U.S. based insurance carrier (per MA State law)
If you have already waived coverage for the 2014-2015 academic year or previous academic years, you still need to submit a waiver form for 2015-2016. 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?
- 2015-2016 ENROLLMENT FORM FOR SPRING WILL BE AVAILABLE DECEMBER 1, 2015
New students in Spring term may 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 firstname.lastname@example.org. 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.
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 2015/2016, 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. The plan will cover a variety of dental services for members under the age of 19.
If students miss the waiver deadline, will they be charged for the Student Health Plan?
Yes, enrollment and/or waiver forms must be submitted by the waiver deadline to be effective. Your ability to waive inclusion on the Student Health Plan will no longer be available after this date. Eligible students who fail to waive in a timely fashion will be billed the Student Only rate (per MA State law). This charge cannot be reversed after the final waiver deadline. The final waiver deadline for Spring 2016 is February 19, 2016.
What if a student waived inclusion in the Student Health Plan, 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, you can enroll in the plan after the enrollment deadline provided you do so before 60 days after the expiration of your previous coverage. To complete this request, you must present documentation of your previous coverage and termination date (typically referred to as "End of Coverage" letter by insurance carriers). Please complete the "Qualifying Event" 2015-2016 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 a Form 1099 for tax purposes?
If you need a Form 1099 for tax purposes, please contact Blue Cross Blue Shield directly to request the form by calling 888-753-6615. Typically, Form 1099 is mailed by 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 form.