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Student Health Insurance

Eligibility and Enrollment

The state of Massachusetts requires all Massachusetts residents to have healthcare insurance. As defined in 114.6 CMR 3.03: Mandatory Health Insurance Coverage (QSHIP):  Students:  Every full-time and part-time (a student who participates in at least 75% of the academic requirements) enrolled in a certificate, diploma or degree-granting program of higher education, must participate in his or her school's Student Health Program OR in a health benefit plan with comparable coverage as defined in 114.6 CMR 3.05(2). Therefore all eligible Boston Architectural College students are automatically enrolled and billed for the Student Health Insurance Plan. To opt out of the student health plan students must submit a Health Insurance Waiver Form showing proof of comparable coverage by the academic semester deadline.  If you intend to participate in the Student Health Insurance Plan we do ask that you fill out an enrollment form as well.  Once you fill out an enrollment form you can download your insurance card beginning September 9th, 2013 through www.gallagherkoster.com (If a student neither waives or enrolls, they are automatically enrolled into the student health plan once final enrollment reports are processed, after the first half semester deadline.  Therefore these students will be unable to download their healthcare cards until after these reports are processed with Gallagher Koster.)
Please read below for Waiver and Enrollment instructions.

To WAIVE the BAC Student Health Insurance plan students who are already covered under a comparable insurance plan must submit a waiver form to opt out of the Student Health Insurance plan offered through the Boston Architectural College. It is the student's responsibility to ensure that their insurance is adequate and the waiver form is submitted by the deadline. Before Waiving coverage, be sure to check with your insurance company to determine if your current insurance plan provides coverage comparable to the important benefits included in the Student Insurance Plan the BAC offers.  To either WAIVE or ENROLL in the BAC Student Insurance Plan please follow the instructions below: 

1. Log onto: www.gallagherkoster.com/BAC
2. Click on Student Waive / Enroll
3. Create a user account or (if a returning user) Log in
4. Select either the Red "I WANT TO WAIVE" OR the Green "I WANT TO ENROLL"  button.
If Waiving the insurance, please have your current health insurance ID card ready as you will need this information in order to complete the waiver form:
• The name of your insurance company, their address and phone number
• The policy number of your current coverage,
• The name of the policyholder,
• The expiration date (if applicable).
5. Immediately upon submitting your online decision form you will receive a confirmation number.
Please note: International Students cannot waive coverage unless they are currently enrolled in an insurance plan of comparable coverage through a U.S.-based insurance company.

How to print an ID card for enrolled members:
1.  Go to www.gallagherkoster.com/bac
2.  First time users will need to create a User Account. 
     Returning users can log in using their existing account information.
3.  On the left toolbar, under "My Account", click on "Authorize Account".
4.  Enter your Student ID number and your date of birth and click on "Authorize Account".
5.  You will be redirected to the "Account Home" page, then click on "Generate ID Card".

Enrolling Family Members
Students enrolled in the BAC Insurance Plan may also enroll their spouse and/or child(ren) under the age of 26 who reside with the student. A "Dependent Enroll" form can be found on the www.gallagherkoster.com site on the Boston Architectural College page under the "student access" heading.  Please Make check or money order payable to Boston Architectural College. Mail enrollment form along with premium payment to:

Boston Architectural College, Attn: Operations Dept., 320 Newbury Street, Boston, MA. 02115,  for any questions  E-mail: operations@the-bac.edu.

Unexpected Termination of Alternative Insurance Plan
Many students lose Insurance coverage for various reasons; with their company, when they reach the maximum dependent age under their parent's plan, etc., while still enrolled and studying full time at the BAC. A student may petition to enroll throughout the academic year in which they are enrolled.  Therefore, if you've waived the Student Health Insurance Plan, but your alternative insurance plan unexpectedly terminates before the end of the academic school year you may enroll late for the BAC's Student Health Insurance Plan through the following steps:

Complete a "PETITION TO ADD" form which can be found on the www.gallagherkoster.com/BAC   website.  Print out the form and please follow the instructions on the form.  The Insurance Company must approve the change and notify us of the prorated fee.  You will then pay the pro-rated health insurance fee to the Bursar's Office.  All steps must be completed within 31 days of your previous insurance terminating. If the request is submitted after 31 days of losing prior coverage the effective date will be the date the Insurance Company received the request.

For any Health Insurance, Waiver on Enrollment questions please feel free to Contact Gallagher Koster at (617) 769-6007 or 1-877-736-6648 or the Operation's department by email at: operations@the-bac.edu.

Fees for the Annual Academic Year of 2013-2014
Coverage begins August 23rd, 2013 ends August 22nd, 2014
Annual Rate for Graduate Students Only $1,691.00
UnderGraduate Students Only: $1,390.00
Spouse Only $3,413.00
Each Child $2,257.00

Fees for Spring 2014
Coverage begins January 18, 2014 ends August 22nd, 2014
Annual Rate for Graduate Students Only $1010.00
UnderGraduate Students Only:  $831.00
Spouse Only $2,034.00
Each Child $1,347.00