Academic year 2014-2015 will be the twenty-sixth year of implementation of the Massachusetts Mandatory Health Insurance Law. Under this law, each college must require all students carrying nine credits or more in the Day or DCE Divisions to participate in the student health insurance program or in a health insurance program with comparable coverage. The premium charge for Cape Cod Community College Health Insurance Plan will appear on your bill.
Students of Cape Cod Community College will be insured by Harvard Pilgrim Health Care. If you have comparable coverage you must waive participation in the Cape Cod Community College Insurance Plan. Students who waive coverage need to complete the online waiver form at https://www.gallagherkoster.com/students/user-login.php?idField=1202.
All waivers must be completed 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 premium appearing on your bill is $1,090.00 for enrollment which is the period of January 1, 2015 through August 31, 2015. Full time students will receive a card once their insurance is paid in full and after their information is sent by Cape Cod Community College to Gallagher Koster.
Also available for all Massachusetts Community colleges students, is a fully-insured Dental Plan through UnitedHealthcare Insurance Company. For information see: https://www.gallagherkoster.com/students/viewVolDental.php?idField=1202&KosterWebSID=r9356fihlcpp94j6ja7k9pf885.
Need more information? For general information on benefits see: https://www.gallagherkoster.com/students/view-brochure.php?idField=1202&KosterWebSID=r9356fihlcpp94j6ja7k9pf885.
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." 114.6CMR 3.04 (3) (c).