Student Health Insurance

AIC Student Health Insurance Plan

University Health Plans (UHP) is the administrator of the AIC Student Health Insurance Plan (SHIP).

Waive / Enroll /

Online Insurance Card

Plan Benefit/Policy Coverage

Questions

www.universityhealthplans.com/aic

View open enrollment dates and waiver deadlines listed below

www.universityhealthplans.com/aic

UHP Phone: 1-800-437-6448

617-472-5324

UHP Email: info@univhealthplans.com

AIC: 413-205-3254

AIC Email: studentaccounts@aic.edu

Rates and Timelines

2020-2021 Year (estimated)

RATES
	Annual	Spring Only*	Fall Only*
Premium:	$2,189	$1,279	$916
Period of Enrollment:	8/1/2020 to 7/31/2021	01/01/2021 to 07/31/2021	08/01/2020 to 12/31/2020

Insurance Company:	Blue Cross Blue Shield (BCBS)
Insurance Agent:	University Health Plans
*Enrollment is on an ANNUAL basis. The Spring rate is applied only to students who begin attendance in the Spring 2021 semester. The Fall only rate can be applied for on an exception basis for students who withdraw from the College as of the end of the Fall semester. See the FAQ’s for additional information.

Waive/Enrollment Dates	Fall 2020	Spring 2021
Online Form to Enroll or Waive Opens On:	June 15, 2020	December 1, 2020
Due Date for Enrollments/Waivers:	August 1, 2020	January 1, 2021
Late Enrollment/ Late Waiver Period:	August 2, 2020 to September 13, 2020	January 2, 2021 to February 1, 2021
Automatic Enrollment: After September 13^th, all students who are required to participate in the student health insurance plan who have not either enrolled or waived will be automatically enrolled in the AIC student health insurance plan. Students may then submit a petition to request a waiver until the stated deadline.	September 14, 2020	February 2, 2021
Petition to Waive Period:	September 14, 2020 to October 12, 2020	February 2, 2021 to February 21, 2021

2019-2020 Year

RATES
	Annual	Spring Only*	Fall Only*
Premium:	$2,050	$1,198	$858
Period of Enrollment:	8/1/2019 to 7/31/2020	01/01/2020 to 07/31/2020	08/01/2019 to 12/31/2019

Insurance Company:	Blue Cross Blue Shield (BCBS)
Insurance Agent:	University Health Plans
*Enrollment is on an ANNUAL basis. The Spring rate is applied only to students who begin attendance in the Spring 2020 semester. The Fall only rate can be applied for on an exception basis for students who withdraw from the College as of the end of the Fall semester. See the FAQ’s for additional information.

Fall 2019
Online Form to Enroll or Waive Opens On:	June 14, 2019 (Fri)
Due Date for Enrollments/Waivers:	August 1, 2019 (Thurs)
DEADLINE for Late Enrollments/Waivers:	September 15, 2019 (Sun)
Automatic Enrollment: After September 15^th, all students who are required to participate in the student health insurance plan who have not either enrolled or waived will be automatically enrolled in the AIC student health insurance plan. Students may then submit a petition to request a waiver until the stated deadline.	September 16, 2019 (Mon)
Deadline to file a petition to waive:	October 14, 2019 (Mon)

Spring 2020
Online Form to Enroll or Waive Opens On:	December 1, 2019 (Sun)
Due Date for Enrollments/Waivers:	January 2, 2020 (Thurs)
DEADLINE for Late Enrollments/Waivers:	February 2, 2020 (Sun)
Automatic Enrollment: After February 2^nd, all students who are required to participate in the student health insurance plan who have not either enrolled or waived will be automatically enrolled in the AIC student health insurance plan. Students may then submit a petition to request a waiver until the stated deadline.	February 3, 2020 (Mon)
Deadline to file a petition to waive:	February 23, 2020 (Mon)

The Commonwealth of Massachusetts mandates that all matriculated full-time and three-quarter-time students attending an institution of higher education in this state who are not enrolled solely in short term courses or in an online program must be enrolled in a qualifying Student Health Plan that meets established minimum benefit guidelines.

All Students who are Required To Participate in the Student Health Plan:

Automatically charged the Student Health Plan fee.
MUST complete a waiver showing proof of comparable coverage once every year in order to have the fee reversed (by posted deadlines)
Students must enroll in the coverage in order to start the process to receive the insurance card.
1. Athletes must complete this process before they arrive for the semester.
2. International Students are automatically enrolled.
Students who do neither will be enrolled in the plan by AIC as of the automatic enrollment date listed for the appropriate semester.

Students who are NOT Required To Participate:

Are eligible to purchase the student health insurance on a voluntary basis

FAQ'S

Cancel Coverage:

Enrollment is on an ANNUAL basis. The coverage CANNOT be cancelled once you are enrolled unless you qualify for one of the few exceptions. Contact Student Accounts for details.
Exception #1: If you enrolled in the insurance in the Fall semester but do not return to AIC for the Spring semester, you may request to terminate the coverage and have the premium pro-rated. Please contact University Health Plans for additional information and deadlines.
Exception #2: If you obtain coverage through MassHealth mid year (prior to 1/1), provide the appropriate documentation and complete the Spring Termination Request form then the insurance may be pro-rated.

Policy and Benefit Information: You may view the policy and benefit information at University Health Plans.

Qualifying Event: If you have a qualifying event, you may request to be added to the AIC Student Health Insurance Plan mid-year. Please contact University Health Plans for details.

WHO MUST WAIVE or ENROLL

Who is Required to Participate? Note: Will be Charged the Premium and MUST Waive or Enroll
	All Student Athletes
	ALL Undergraduate Students registered in 9 or more credits
	Exemption: RN to BSN and AIC Online students are NOT required to participate
	Graduate Students in the following Majors:
		Accounting & Taxation (MS) Clinical Psychology (MA) Education (MEd- Urban Pathways) Exercise Science (MS)	General Psychology (MA/CERT) Forensic Psychology (MS) Occupational Therapy (MSOT) Public Health (Master)
	Doctoral Students in the Following Majors:
		EdD Mental Health Counseling EdD Educational Psychology	Doctor of Physical Therapy (DPT)
	Note: International Students (F1 VISA) will automatically be enrolled and may not waive.
Who is NOT Required to Participate? Note: Not Charged, Enrollment via Request Only
	Undergraduate:
		AIC Online Students	Undergraduate students who are registered for less than 9 credits as of the end of the add/drop period.
		RN to BSN students
	Graduate Students
		Business Administration (MBA/CERT) Education-Cohort Model (Master/CAGS) Educational Psychology- Cohort Model (MAEP) Family Nurse Practitioner (MS-FNP)	Higher Education Leadership (ALL) Nursing (MSN) Resort & Casino Management (MBA/CERT)
	Doctoral Students:
		Doctor of Education (EDD)	Doctor of Occupational Therapy (OTD)

Comparable Coverage

Brief Overview of Comparable Coverage for Minimum Benefit Guidelines:

Access to Care: Your health insurance plan must provide comparable coverage in the Springfield, Massachusetts area in order to be used for a waiver.
Athletes: who need the student health insurance MUST enroll in or waive the insurance PRIOR TO participating in athletic practices or events. We suggest completing the enrollment at least 10 days in advance.
Disallowed Health Insurance Plans: Coverage cannot be waived using the following plans:
- Massachusetts: Health Safety Net, MassHealth Limited, the Children’s Medical Security Program
- Out-Of-State: Medicaid plans (except HuskyHealth)
International Students:Are automatically enrolled if they are in a program of study that requires them to participate or if they are a student athlete
Processing Time for a Waiver or enrollment: Normally within 2 to 5 business days.
Student Under the age of 18: Waiver requests must be confirmed by a parent or guardian.

2020-2021 HEALTH INSURANCE PLAN COMPARISON CHECK LIST (Minimum Benefit Guidelines)

Use the following grid to determine whether the plan you’re considering is comparable to the Student Insurance Plan. Your plan must be compliant with Massachusetts regulations and the Patient Protection Affordable Care Act (PPACA). It is your responsibility to review your plan and talk to your insurance agent about any questions you have on your plan.

If your plan doesn’t meet, at a minimum, the following requirements, you cannot waive the Student Health Insurance Plan. In addition to the following requirements below, also be aware that plans purchased on a monthly basis are not considered comparable.

	My Plan
Minimum Health Insurance Plan Comparable Coverage Requirements	Yes	No
A network of doctors, specialists, and hospitals within 30 miles of the AIC campus in Springfield, MA (local area) effective from the beginning of the period of enrollment. All coverage requirements listed in items 3 through 12 must be available within the local area.
An insurance company whose home office is based in the United States and whose plan is filed and approved in the US, and compliant with the Affordable Care Act (ACA).
An unlimited plan maximum benefit. This means no maximum benefit per illness or injury per coverage period or per lifetime
Immediate Coverage for Pre-existing Conditions; no waiting period for services [In addition to looking at what’s covered, check the list of exclusions and limitations].
Emergency Services Coverage – no limits on coverage
Maternity Coverage and Coverage for Newborns - no limit on coverage
Mental Health/Substance Abuse, no limits outpatient or inpatient – no dollar limits or days of treatment limits
Pharmacy Benefits - no maximum dollar amount
Preventive Care and Primary Care Services This means coverage for routine physicals, physician visits exams, gynecological exams, coverage for preventive lab tests, preventive immunizations and vaccinations.
Surgical services – no maximum dollar amount
Hospitalization Benefits – no maximum dollar amount or limit to number of days
Ambulatory Patient Services – no maximum dollar amount
If you answered “NO” to any question (1-12) then your plan is not comparable
Do you have Massachusetts Health Safety Net, MassHealth Limited, or The Children’s Medical Security Program?
Do you have an out-of-state Medicaid Plan other than Connecticut Husky Health? Connecticut Husky Health is considered comparable coverage but some coverage items are only available in the state of Connecticut which is within the 30 mile required radius of AIC.
If you answered “YES” to questions (13 or 14) then your plan is not comparable

American International College