Student Health Insurance
Below are a series of commonly asked questions about health insurance at MassArt. If you do not see your question listed below, contact the Counseling and Wellness Center at firstname.lastname@example.org or at 617-879-7760.
Q: I already have private health insurance and want to waive the MassArt student health plan. How do I do that?
1. Go to University Health Plans: www.universityhealthplans.com
2. Scroll down the list of colleges and universities and click on the link for "Massachusetts College of Art and Design."
3. Now select "Click here for the Massachusetts College of Art and Design Student Insurance Plan."
4. Select "Click here to Waive."
5. You will be asked to enter your name, DOB and student ID. On the next page, you must enter your local contact information and private health insurance information. Once you complete the form, you should receive a waiver number confirming that the process is complete. If you receive an error while completing the form, contact the Counseling and Wellness Center at email@example.com or call 617-879-7760.
Q: What is the cost of the MassArt health insurance plan?
A: The annual cost for the MassArt Student Health Insurance Plan for 2013-14 is $1,498. Coverage lasts from August 1, 2013 to July 31, 2014.
Q: What exactly does the plan cover?
A: The Blue Cross Blue Shield Preferred Provider Plan (PPO) allows students to be seen at various sites for primary care. This includes the Harvard Vanguard Medical Associates that administers MassArt's Student Health Services as well as most primary care providers in Massachusetts. For details about the plan, see the BlueCross BlueShield of MA PPO Summary of Benefits 2013-14.
Q: Is dental or vision coverage included in the MassArt health insurance plan?
A: The MassArt health insurance plan does NOT include dental or vision coverage. There are voluntary dental plans offered through Delta Dental ($315 for a year of DeltaCare Dental Plan/$479 for a year of Delta Dental PPO Plus Premium Plan), and a voluntary VSP vision plan ($145 for a year of coverage). For more details about the Delta Dental plans, click here. For more details about the VSP Vision Care plan, click here.
Q: Once I enroll in the student health plan, when does my coverage start and when I do pay for the insurance?
A: Your coverage begins as soon as you have paid the insurance premium to MassArt. That is when you are enrolled in the plan. It is important to pay the bill promptly so your coverage does not lapse.
Q: I enrolled in the MassArt student health plan. When will I receive an insurance card?
A: You should receive your insurance card within 2 weeks after enrollment. Be sure that you enroll using a local address, not your home address, in order to receive your card promptly.
Q: I have private health insurance and want to use MassArt's Student Health Services at Harvard Vanguard. Will I be billed for these services?
A: All MassArt students may use the MassArt Health Services, located on the 2nd floor of the MassArt New Residence Hall. Harvard Vanguard Medical Associates administers this service and bills each student's health insurance for services rendered. All co-payments are waived and basic services are provided without cost to the student unless there are laboratory tests or additional specialized services.
*It is extremely important that you have insurance coverage that will pay for medical care in the Boston area. Many out-of-area insurance companies are restrictive about what services they will pay for when you are away from home. Please ask specifically what services are covered by your insurance company prior to coming to campus. Your insurance should have equal or better coverage for medical services if you plan to waive the MassArt student health insurance plan.
Q: I have waived the MassArt student health plan and am currently covered by my parents' insurance, but I'm afraid I might lose coverage in the middle of the year. Can I enroll in the MassArt student health plan mid-year?
A: Yes. If there is a qualifying event (a loss of job, divorce, death) that results in a change in availability of alternative health insurance, then you may be able to enroll mid-year onto the student health insurance plan. Documentation proving loss of coverage will need to be provided and presented to the Counseling and Wellness Center within 31 days of losing coverage.
Q: I'm only enrolled in 9 or more credits for the Fall/Spring semester, not the full year. Do I still qualify for the student health insurance?
A: Yes. As long as you are a full-time student enrolled in 9 or more credits, you can enroll in the MassArt student health plan for one semester only. The cost for the Fall semester is $633; the cost for Spring is $880.
Q: I am an international student and already have health insurance that is not based in the United States. Can I waive MassArt's insurance?
A: No. You must have health insurance that is headquartered in the United States. For details, see the Commonwealth of MA's website on student health insurance.
Q: Are my spouse and/or children covered by the MassArt student health plan?
A: No. The student health plan is only for full time MassArt students.
Q: I waived the MassArt student health insurance plan, but I am concerned about the impact of the health insurance charge on my financial aid package. How do I find out more information about this?
A: The health insurance charge has no impact on your financial aid. If you have questions about financial aid, contact Student Financial Assistance at 617-879-7849.
Q: I'm a part-time student. Am I still eligible for the MassArt student health insurance plan?
MassArt students must be enrolled in at least 9 credits to be eligible for SHIP (Student Health Insurance Plan).
Q: If I don't want MassArt's student health insurance, what alternative insurance is acceptable?
A: Alternative insurance must provide comparable coverage to the MassArt student health insurance plan. This includes most but not all health insurance plans.
MassArt cannot grant a waiver request if you have coverage through the Health Safety Net or Commonwealth Care. However, you may waive the student health plan if you are enrolled in MassHealth. This link will help provide clarity on what the Commonwealth of MA considers acceptable for health insurance coverage for students in institutes of higher education.
Q: I already waived the MassArt student health plan last year. Do I have to waive it every year?
A: Yes. You must submit a waiver with proof of comparable health insurance every year, online at University Health Plans.
Q: How long am I covered by the student health insurance? Can I still use it after I graduate from MassArt?
A: The annual coverage lasts until July 31 each year unless you have elected to enroll for only one semester. If you do not waive insurance and you are continuing to be enrolled as a full time student (i.e. 9 or more credits), your insurance will continue without being interrupted once you have paid your annual bill. After graduation, the insurance coverage ends on July 31.