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Medical Insurance

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Boston College is pleased to announce that the Blue Cross Blue Shield Student Blue Plan has been renewed and will continue to be offered to all eligible BC students for the 2017–2018 policy year, effective August 7, 2017. The Student Blue Plan provides comprehensive health insurance that includes access to Blue Cross Blue Shield's networks and pharmacies nationwide, a fitness benefit, as well as reimbursement for designated weight loss programs and access to their "Living Healthy Naturally" discount savings program. The annual cost is $3,088. Your student account will be charged $1,283 for coverage from August 7, 2017, through January 11, 2018, and $1,805 for coverage from January 12, 2018, through August 6, 2018.

Refer to the 2017–2018 Blue Cross Blue Shield Student Blue Plan Summary of Benefits and Coverage for more information.

Enrollment

All students enrolled in a degree program, regardless of credit hours, and non-degree students enrolled at least 75% of full-time will be automatically enrolled in and billed for the Student Health Insurance Plan. Students studying abroad through both BC-sponsored and approved external programs will automatically be enrolled.

Boston College will also automatically enroll and charge non-degree graduate and WCAS students registering at the credit levels listed below for the Student Health Insurance Plan. Failure to maintain these credit levels will result in the termination of the mandatory health insurance plan. Students are responsible for monitoring their eligibility status.

Eligible Credit Levels

Morrissey College of Arts and Sciences, Graduate—7 or more
Lynch School of Education, Graduate—7 or more
Carroll School of Management Graduate Programs—7 or more
Connell Graduate School of Nursing—7 or more
School of Social Work—7 or more
Woods College of Advancing Studies, Undergraduate—9 or more
Woods College of Advancing Studies, Graduate—7 or more
School of Theology and Ministry—7 or more

Post-doctorate students are eligible to enroll on a voluntary basis.

Students who are not citizens or permanent residents of the United States will be automatically enrolled in the Boston College plan regardless of the number of their credit hours.

Dependent Enrollment:

Insured students have the option of enrolling their eligible dependents (a spouse or a child under the age of 26). You may download the form from www.bc.edu/ssforms. You may also enroll dependents online at GallagherStudent.com/bc. Dependents must be enrolled for the same time period as the student. For example, a student enrolled beginning in the fall semester cannot purchase dependent coverage starting in the spring unless there is a qualifying event; see the enrollment form for further details. Dependents enrolled for the fall must be re-enrolled for the spring and you are responsible for enrolling and re-enrolling your eligible dependents each semester. The deadline to enroll dependents is September 22, 2017, for the fall semester and January 26, 2018, for the spring semester. Enrollment forms received after that date will not be accepted.

Leave of Absence:

Students who are enrolled in the student insurance plan and who are required to take a leave of absence from Boston College for medical reasons will continue to be covered for the remainder of the semester in which the withdrawal takes place. Coverage may also be extended for the following semester with approval from Boston College. Please contact the Office of Student Services for more information.

Enrollment After Waiving the Student Health Insurance Plan:

Students who initially waive participation in the Student Blue Plan and subsequently wish to enroll prior to the waiver deadline may rescind waivers on the www.bc.edu/myservices or by completing the rescind waiver form found at www.bc.edu/ssforms. After the waiver deadline, a student may enroll in the Student Blue Plan only on the basis of a qualifying event. Qualifying events include marriage, birth of a child, or loss of coverage from an existing policy. A petition to enroll after the published deadline can be found at www.bc.edu/ssforms.

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Waivers

The medical insurance coverage periods are August 7, 2017 to January 11, 2018 for the fall and January 12, 2018 to August 6, 2018 for the spring. Waivers received by September 22, 2017 are for the entire academic year and those received by January 26, 2018 are for the spring. By waiving the BC Student Health Insurance Plan, a student is waiving coverage for the full coverage period.

Domestic Students (U.S. Citizens and Permanent Residents):

Students who are enrolled in a health plan that is comparable to the Student Blue Plan may waive the BC coverage through www.bc.edu/myservices if they are at least 18 years old. Students under the age of 18 cannot file an electronic waiver. You and your parent or guardian must sign and submit a waiver form, which can be downloaded from www.bc.edu/ssforms.

To provide proof of comparable coverage, a student will need to have information about his or her current health insurance plan readily available. By waiving the BC coverage, a student is confirming the following:

  • The student is covered by the indicated medical insurance policy and will maintain coverage for the full 2017-2018 academic year.
  • The student has compared their policy to the Student Blue Plan and certifies that their plan provides benefits that are at least comparable to the Student Blue Plan: 2017–2018 Blue Cross Blue Shield Student Blue Plan Summary of Benefits.
  • The student’s plan provides reasonable comprehensive coverage of health services, including primary care, emergency services, surgical services, hospitalization benefits, ambulatory patient services, and mental health services, along with coverage for lab work, diagnostic x-rays, physical therapy, chiropractic care, and prescription coverage, and that these services are reasonably accessible in the area where the student is attending school. A plan that provides coverage through a closed network of providers, not reasonably accessible to the student in the area where they attend school, for all but emergency services, does not qualify for a waiver.
  • The student’s plan is not an out-of-state Medicaid plan, or one of the following MA Medicaid Plans: Children’s Medical Security Program, MassHealth Limited and Health Safety Net. These plans do not qualify for a waiver.
  • No claims have been submitted for payment under the Student Blue Plan for the 2017-2018 enrollment periods.
  • The student assumes full responsibility for any medical expenses incurred during the insurance enrollment periods and neither Boston College nor the insurance company will be held responsible for any expenses incurred.
  • Students travelling outside of the United States certify that their insurance plan provides reasonable and comprehensive coverage in the location where they are studying. If the student visits the United States during the 2017-2018 academic year, they will purchase a U.S.-based qualifying medical plan (as described above) for the period of their stay in the U.S.

Incomplete waivers will not be processed. Waivers must be completed every year. All waivers must be submitted by September 22, 2017, for the entire academic year or by January 26, 2018, for the spring semester only. Students who do not complete a waiver prior to the deadline will automatically be enrolled in and charged the student-only premium for the Student Blue Plan. Once the waiver is submitted, the charge will be removed from the student account in real time; students and authorized payers can verify the adjustment by logging in to MyBill and viewing the Recent Activity Page. Students are responsible for verifying that their waiver was submitted correctly.

Providing insurance information to other offices on campus (e.g., Athletics, Health Services) does not fulfill the waiver requirement. If a student does not complete a waiver with the Office of Student Services, either through www.bc.edu/myservices or on paper, prior to the deadline, he or she will automatically be enrolled in and charged for the Student Blue Plan.

Students are eligible for the insurance plans offered through the Health Connector but should review these plans carefully, because they may have high deductibles.

International Students (Students who are Not U.S. Citizens or Permanent Residents):

In order to ensure international students are covered by a plan that provides coverage which meets or exceeds the Student Health Insurance Plan, international students are not eligible to waive BC’s Student Health Insurance Plan. If you are insured through 1) a parent/guardian/spouse’s health insurance plan offered through a U.S. employer, 2) a government sponsored program, (for example Government of Kuwait/UAE or Government of Saudi Arabia), or 3) MassHealth or a plan purchased through the MA Health Connector (except Health Safety Net, Children’s Medical Security or MassHealth Limited), you might be eligible to waive coverage. The waiver form for international students is available at www.bc.edu/ssforms.

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