![]() If you have comparable coverage under a parent's insurance plan or other major medical insurance plan you can waive the student health plan. Coverage 24 hours a day, anywhere in the world for a 12-month period with some exclusions, co-payments and deductibles.50,000 maximum aggregate indemnity per illness or injury per year.Comprehensive coverage of primary and preventative care, emergency services, surgical services, hospitalization benefits, ambulatory patients services and mental health benefits.In addition, per Massachusetts General Law (956 CMR 8.00: Student Health Insurance Program) students living outside of their insurance coverage area while attending UMass Lowell may not waive participation in the School Insurance Plan if your insurance provider only provides coverage (with the exception of services for life threatening emergencies) through a closed network of providers that is not reasonably accessible.Ĭomparable coverage benefits, subject to change, include: Many will not so students must be prepared to pay for these themselves and then seek reimbursement from their insurer if that is allowable by the insurer. an HMO or PPO), or other private insurance check to see if they will cover lab tests and prescriptions ordered by Student Health Services. If you belong to any type of managed care plan (i.e. Health insurance is mandatory and is available through the university for those who are unable to prove they have equal or better coverage. ![]() SHIP coverage begins August 1 of each year and continues until July 31 of the following year. It is recommended that students living outside of New England consider enrolling in the UML-sponsored health insurance plan (SHIP) as most plans based outside of New England cover only emergency services outside of their coverage area. For information about the student health plan and a summary of benefits, please view the University Health Plans website. The plan is administered by University Health Plans. The University Of Massachusetts Lowell offers Blue Cross Blue Shield of Massachusetts - Blue Care Elect (PPO) as the student health insurance plan. ISO, PSI, Student Medicover, Tokio Marine, and NYIS Insurance are examples of companies that do not meet the insurance requirements. ![]() Please note, health insurance plans marketed solely to international students are generally not filed and approved in the United States and have limited benefits with coverage periods that do not comply with the Massachusetts Student Health Insurance Plan Regulations as well as the University’s health insurance requirements. ![]() Preventative and wellness services and chronic disease management.The United States health insurance plan must provide Minimum Essential Coverage as defined by the Affordable Care Act and include the following benefits in the campus area. If you are covered by a health insurance plan that is filed and approved in the United States, please contact University Health Plans at 80. If you are covered by an embassy-sponsored health insurance plan and provide Student Financial Services Office with your financial guarantee prior to the waiver deadline, you will not be enrolled in the Student Health Insurance Plan. The university does not consider foreign insurance or travel insurance as comparable coverage to waive the university health insurance. The University of Massachusetts Lowell requires that all international students must enroll in the university student health insurance plan. International-studentsInternational Students Students enrolled exclusively in online classes only are not eligible for this plan. Online courses are not considered eligible credits. Please note that all students who withdraw from or drop all of their classes within the first 31 calendar days of the academic semester will not be allowed to be enrolled in the university student health insurance plan. ![]() Massachusetts State Law requires that all college students be enrolled in a health insurance program that meets required benefits established by the state.Īll matriculating, undergraduate students, enrolled in one or more credit hours and all matriculating, graduate students enrolled in nine or more credit hours are eligible and will be charged for health insurance. Required-med-insuranceRequired Medical Insurance Protecting Access to Confidential Healthcare (PATCH) Act.Who To See for Medical and Mental Health Issues.Student Health Insurance Contact Information.How to Waive/Enroll in Student Health Plan.Student Eligibility and Enrollment Information ![]()
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