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Insurance

Health Insurance

Visit Gallagher Student Health & Special Risk for completion of forms. All students are automatically billed annually for the Student Blue Plan health insurance. Waivers must be completed online by September 15, 2017 (Spring January 30, 2018) to remove the health insurance charge of $2950 (Spring $1763) from the student tuition bill. See instructions below. *If a verified and accepted waiver form is not submitted by the deadline you be enrolled in the policy and charged accordingly for the Student Blue Plan for the entire policy year.

This form is available online July 1 for fall semester and December 1 for spring semester students. 

Instructions for Waiving/Enrolling Student Health Insurance

1. Log onto gallagherstudent.com/wne

2. Click on Student Waive/Enroll (upper left)

3. For initial log in follow directions in red box. User Name is your WNE email (typically your first/last initial followed by series of numbers @wne.edu. Then enter temporary password:  Three 0’s followed by your 6 digit Student ID. Example: 00012345

4. An email will then be sent to your WNE email address with a link to reset your password.

5. After resetting your password log back into gallagherstudent.com/wne to complete the waiver/enrollment process. You will need the information on your current health insurance ID card to complete the waiver. Upon completing you will be asked to review the information and click “submit” to complete the process. Immediately upon submitting the Online Form you will receive a reference number.

*If a verified and accepted waiver form is not submitted by the deadline, you will remain enrolled in and billed for the Student Blue Plan for the entire policy year.  

If students have any additional concerns or issues regarding health insurance they can contact Gallagher Student Health & Risk:  1-877-300-3550

Mandatory Health Insurance Requirement

Under Massachusetts State Law, a student is required to participate in a “qualifying student health insurance program” or in a health insurance program with comparable coverage (your health insurance MUST meet the minimum standards–"Massachusetts Universal Health Care Standards"). Please compare the minimum standards with your own personal policy. This law pertains to undergraduate students who are enrolled for nine credits or more and graduate students who are enrolled for seven credits or more. 

Massachusetts Universal Health Care Standard

Determining comparable coverage requires comparison of cost-sharing levels (deductibles and coinsurance) and access to In-Network Providers. The level of benefits should meet or exceed the benefits provided through the Student Health Insurance Plan. Coverage is considered comparable if it provides students with access to a range of services in and around the area where they attend school. Services include, but are not limited to, preventive and primary care, emergency care, surgical care, inpatient and outpatient hospitalization benefits, lab work, diagnostic x-rays, physical therapy and chiropractic care, prescriptions, and mental health and substance abuse treatment. Also, consider the amount of your current plan's deductible and In- and Out-of-Network coinsurance to avoid high out-of-pocket costs. Students should be able to seek these services from providers who are considered In-Network or Preferred. If your current plan is an HMO, it is very likely that coverage is limited, or not available, outside of the HMOS's service area.

Plans that only provide emergency services in the campus area are not considered comparable.

Athletic Insurance

General Information

  • Western New England University purchases athletic insurance for all intercollegiate student athletes.

  • Any student athlete who is injured during practice or play is covered by this policy. The athlete must be at an in-season, coach supervised, intercollegiate athletic event. The policy does not cover intramural athletes.

  • All claims must first be submitted to the student athlete's private insurance company. The athletic insurance is the secondary payer and will not pay any claims unless denied by the primary insurer. Most balances will be paid by the athletic insurance after completing the insurance claim form. Claim forms are available from Health Services or Athletics. Forms must include all health care receipts/bills and explanation of benefits documentation. The claim form must be signed by a coach, trainer, athletic administrator or health care provider (Health Services) verifying that the injury took place during a college sanctioned athletic event.

Athletic Insurance