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Health Insurance

Health Insurance

Why is there an insurance charge on your tuition bill? All students are automatically billed annually for the Student Blue Plan so you will see that charge on your initial bill. Students with their own health insurance coverage can apply for a waiver beginning June 15. Tuition bills are due on August 1, so please complete your waiver form in advance to ensure that your bill may be adjusted to remove the charge of $2,810 and that any payment plans are calculated accurately. Waivers must be completed online no later than September 15. If a verified & accepted waiver form is not submitted by that deadline, you will remain enrolled in and billed for the Student Blue Plan for the entire policy year (8/15 through 8/14 of the following year). 

Visit Gallagher Student Health & Special Risk at the link below for completion of forms. Note: students who do not have insurance coverage can apply there. Staff members and computers will be available at SOAR sessions to assist incoming undergraduate students with this process.

 

Follow these easy steps

  1. Log onto http://www.gallagherstudent.com/wne

  2. Under “Student Access”, you will need to click on Dependent Enroll.

  3. Students will use their Western New England University email address (ks123456@wne.edu) as their user name.

  4. Students will need to enter their temporary pin and will add “000” to the front of their student ID #.  It should total 9 digits. If you forgot your student ID, you may contact the Admissions office at 413-782-1321.

  5. You will be prompted to reset your password.

  6. An email will be sent to your Western New England University email address to complete the process.

  7. You will select “I want to Enroll/Waive” button. If you are waiving the insurance, you will need the information found on your current health insurance ID card. You will provide that information and click “submit” to complete the process. You will receive a reference number immediately after submitting the form.

  8. Please note this process must be completed every year.

  9. Any questions you may contact Gallagher Student Health and Special Risk at 877-300-3550.

Questions? Contact Gallagher Student Health & Special Risk toll free 1-877-300-3550 or by going to website and click on the Customer Service link. 

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 HMO's service area.

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