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Student Health Insurance

The state of Massachusetts requires all residents to have healthcare insurance—this includes full-time and part-time students enrolled in a certificate or degree-granting program at the BAC. (View the policy information here.)

The BAC offers a health insurance policy for students who need it and are eligible; learn more about enrolling or waiving this insurance below.

Student Health Insurance Plan "SHIP" During COVID-19 Remote Learning

Per "SHIP" Student Health Insurance Plan regulations 956 CMR 8.02, a student registered as fulltime or parttime and enrolled in a degree-granting or certificate program at the BAC and taking course remotely due to COVID-19 will be required to show proof of coverage or be enrolled in the BAC's student health insurance plan.

With that being said, we are working with students who will not be living in the State of Massachusetts. Those of you who will be living outside of Massachusetts and outside of the United States of America will need to show proof of comparable coverage in the place in which you will be taking your classes remotely.

If you are registered for the Fall 2020 classes which are being run remotely due to COVID-19, we will be permitting waivers for where you currently live and are taking your classes.

PLEASE BE ADVISED: The SHIP regulations require BAC students to provide the BAC proof that you have a Health Insurance/Benefit Plan by filling out a waiver that constitutes "comparable coverage". The instructions can be found here.

This means your health insurance/Benefit Plan must provide for you:

  1. "reasonably comprehensive coverage of health services, including preventive and primary care, Emergency Services, surgical services, hospitalization benefits, ambulatory patient services, mental health services, and prescription drugs"; and
  2. access to those covered services is "reasonably accessible to the Student in the area where the Student attends School". See 956 CMR 8.05(2)(a).

A student participating in classes remotely for Fall 2020 due to COVID-19, the "area where the Student attends School" is the location where the Student is currently remotely attending classes for the relevant term. See 956 CMR 8.05 (2)(c)(3). In addition, the BAC may waive participation in SHIP if the Student is studying in a foreign country and the Student has coverage in that foreign location. See 956 CMR 8.05 (2)(c)(2).

Please note, Students may waive SHIP coverage if they have comparable coverage such as out-of-state Medicaid, out-of-state Exchange Marketplace coverage (i.e., Qualified Health Plans), out-of-state employer sponsored insurance (e.g., HMO, PPO, POS), or foreign health coverage in the area in which they are taking classes remotely.

The BAC will continue to offer student health insurance plans for those who need it as per usual.

Who Is Required to Have Health Insurance?

  • All students enrolled in an undergraduate certificate or undergraduate degree program enrolled in 6 or more academic credits.
  • All students enrolled in a certificate or graduate on-site degree program and are taking 4.5 or more academic credits.

Please note that students enrolled in a distance or low-residency (online) program are not required to carry health insurance.

How Much Does the BAC’s Health Insurance Cost?

The annual student health insurance plan begins on August 15, 2021 and ends on August 14, 2022

Undergrads:  $2,973.00

Grads :  $4,339.00  

For students registered for Fall semester only, the coverage will be August 15, 2021 - January 14, 2021.

Undergraduate: $1,242

Graduate: $1,811

For students registered for Spring semester only, the coverage will be January 15, 2021 - August 14, 2021.

Undergraduate: $1,736

Graduate: $2,533

Can I Opt Out of BAC’s Health Insurance?

You may waive the BAC’s health insurance by submitting a health insurance waiver form showing proof of comparable coverage by the academic semester deadline. If you do not waive this coverage, you will be automatically enrolled. (See how to waive coverage below.)

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 BAC’s health insurance.

Please Note: Coverage by insurance carriers outside the U.S and coverage by foreign National Health Service programs are not deemed to be comparable to coverage under a qualifying student insurance program.

How Do I Enroll or Waive Coverage?

  1. Log onto https://go.gallagherstudent.com/
  2. Create a user account, or if a returning student, log in entering username and password.
  3. Select "Student Waive/Enroll" (located under "Student Access" on the left side of the page)
  4. Select either the "I Want to Waive" OR the "I Want to Enroll" button

    • If waiving the insurance, please have your current health insurance ID card ready as you will need the following 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)

Immediately upon submitting your online decision form, you will receive a confirmation number.

What if I Missed the Deadline to Enroll?

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.

  1. Complete a Petition to Add form form, which can be found at gallagherstudent.com.
  2. The insurance company must approve the change and notify us of the prorated fee.
  3. You will then pay the prorated health insurance fee to the Bursar’s Office.
  4. 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.
Health Insurance Waiver or Enrollment Questions

Call Gallagher at 877.736.6648

Email Patti Vaughn at patti.vaughn@the-bac.edu or the Operations Department at operations@the-bac.edu