Health Insurance

Health Insurance

State law requires that all students taking nine or more semester hours have health insurance (Massachusetts General Law Chapter 15A, Section 18). A charge for health insurance will be added to the student’s tuition bill unless proof of comparable insurance is provided. Please note that Health Safety Net, Commonwealth Care and coverage from carriers outside of the United States are not considered comparable coverage. The health insurance provider for the 2014 -2015 academic year is Harvard Pilgrim Insurance Company, serviced through Gallagher Koster.

A description of the plan can be downloaded at www.commonwealthstudent.com by clicking on the Mount Wachusett Community College link at the bottom of the page, and then choosing “My Benefits & Plan Information” on the left-hand side under the header “My Student Health Insurance Plan.”

Students will be able to print an ID card online 24-48 hours after the insurance broker Gallagher Koster’s receipt of their enrollment at MWCC and the processing of the premium payment for the plan. ID cards are also mailed to the address the school has on file for the student.

Waive Health Insurance

If you have comparable coverage you may wish to waive participation in the Massachusetts Community College Insurance Plan. Students who wish to waive coverage must complete the waiver process below:
1. Go to www.mwcc.edu/
2. Click on Quick Links
3. Select Waive Insurance
4. If new to website choose Create Account; if returning to website select Log In
5. Select Student Waive
6. Select red button “I want to WAIVE”
7. Answer all questions and follow pages through

The premium charge for the Massachusetts Community College Health Insurance Plan will appear on your bill. All online waivers must be completed at registration time, by the due date of the bill, or prior to the opening of college, otherwise the charge will remain on your bill and payment will be required.
The annual premium appearing on your bill is $1,640.00 for coverage from September 1, 2014 through August 31, 2015. The Spring Semester cost of insurance is $1,090.00 and the coverage is from January 1, 2015 through August 31, 2015.

International Students

“Coverage by insurance carriers outside the U.S. and coverage by foreign National Health Service programs are deemed not to be comparable to coverage under a qualifying student health insurance program. Students with foreign health coverage, other than students who are enrolled in a program requiring health insurance, and students whose coverage is embassy-sponsored that provides comparable coverage, must participate in the Qualifying Student Health Insurance Program.”114.6 CMR 3.04 (3) (c).

UnitedHealthcare Dental

A voluntary dental insurance program insured by UnitedHealthcare Dental is also available. To access additional information go to www.commonwealthstudent.com , click on the Mount Wachusett Community College link at the bottom of the page, then choose “Voluntary Dental” on the left-hand side under the header “My Student Health Insurance Plan.”