Student Comprehensive Health Insurance Plan
Chapter 23 of the Massachusetts Acts of 1988 requires that all students registered for nine or more credit hours must participate in a comprehensive health insurance plan unless they certify that they are participating in a health insurance plan with comparable coverage. If a student has comparable coverage and wishes to waive participation in the Massachusetts Community Colleges insurance plan, the student must submit waiver information via the Internet by the due date that appears on the registration statement or at the time of registration. Students may access the waiver form online at http://www.gallagherstudent.com/bhcc. The College has set up dedicated computer stations in the Main Lobby of the Charlestown Campus for students without Internet access.
MassHealth and enrollment in a subsidized Health Benefit Plan through the Connector, qualifies as comparable coverage. However, MassHealth Limited, the Health Safety Net and Children’s Medical Security plan do not qualify and cannot be used to waive coverage. Free care that is provided by hospitals and community health is not insurance and cannot be used to waive coverage. In addition, coverage from insurance carriers outside the U.S., and coverage by foreign National Health Service programs travel and accident insurance plans cannot be used to waive coverage. Therefore, all international students must participate in the Student Health Insurance Program (SHIP) or obtain coverage from a U.S. based carrier that meets state requirements.
All questions regarding Student Health Insurance Program (SHIP) should be directed to MAhealthconnector.org or call 1-877-623-6765.
All students carrying nine or more credit hours in the fall or nine or more credit hours in the spring must comply. Classes offered in the Center for Self-Directed Learning or during mini sessions are considered part of the long semester for purposes of determining health insurance requirements. Students are not required to have health insurance coverage during the summer term, and students enrolled in all web classes are not required to purchase the College health insurance plan.
International Students who are covered by insurance carriers outside the U.S. and by foreign National Health Service programs are deemed not to have coverage comparable to coverage under a qualifying student health insurance program. If you currently have adequate health insurance, you can waive enrollment. First, please review what’s included in the MA Community College Student Health Insurance Plan:
- Coverage for inpatient and outpatient medical expenses, access to mental health services, and prescription drug coverage
- Access to Blue Cross/Blue Shield’s comprehensive network of doctors, specialists and hospitals close to campus and home
- Worldwide coverage while studying or traveling abroad
- $250 deductible per year
- No age restrictions
- Access to discounts for dental, eyewear and fitness services
- Students can purchase voluntary Dental insurance by going to https://www.gallagherstudent.com/products/
Now you can WAIVE your Student Health Insurance. Because of the Affordable Care Act, you are no longer required to purchase the Student Health Insurance Plan (SHIP) if you have:
- MassHealth Standard, CommonHealth, Care Plus, or Family Assistance
- Connector Care
- Network Health Extend (formerly the Medical Security Program)
- Registered with the Veterans Administration Medical Center (VAMC)
Or if you are under 26 and currently enrolled under your parents’ health insurance program.
Waiver Deadlines: Waivers must be complete the same day you register.
Direct link to waiver form: https://www.gallagherstudent.com/bhcc
- Once at the BHCC/Gallagher homepage, click the "Student Waive" tab
- Create a username and password
- Click on the red “I Want to Waive” link
Questions? Contact Gallagher Koster
Health Insurance Refund Policy
Except for medical withdrawal (medical withdraws are only recognized for health insurance refunds; not for refunds of tuition and or fees) due to covered injury or sickness, students withdrawing from the College during the first 31 days of the period for which coverage is purchased shall not be covered under the policy and a full refund of the premium will be made. Students withdrawing after 31 days will remain covered under the policy for which the premium was paid and no refund will be allowed. Students who do not withdraw completely, but who drop below nine credit hours within the first 31 days, may apply to Student Central for a refund of health insurance premiums. Registering for mini-semester, web courses, distance education courses and Center for Self-Directed Learning courses later in the fall or spring semester may restore the student’s obligation to carry health insurance.