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.
Mandatory Health Insurance Information
Visiting www.gallagherstudent.com/wne will take you to the Gallagher Student Health & Special Risk web site for completion of waiver or enrollment form. All waivers or enrollments must be completed online.
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.
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