What it Costs to Go to QCC

Health Insurance

Academic year 2011-2012 will be the twenty-third year of implementation of the Massachusetts Mandatory Health Insurance Law.  Under this law, each Massachusetts Community 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.

Students of the Massachusetts Community Colleges will be insured for policy year 2011-12 by a Harvard Pilgrim insurance plan.  A description of the plan can be downloaded at www.commonwealthstudent.com by clicking on the Quinsigamond 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.”  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.QCC.edu
2. Select “Student & Faculty Portal” (top center of page)
3. Select “Financial Services”
4. On the right-hand side, under “Helpful Links,” choose “Health Insurance Waiver Form”
5. Create an account with the insurance company as instructed
6. Fill in all the required information.  If any information is missing, your waiver will NOT be accepted.
7. Submit the Waiver form. 
 
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 $928 for coverage from September 1, 2011 through August 31, 2012.  Should you become a full-time student for the spring semester, the premium appearing on your bill is $618 for the period of January 1, 2012 through August 31, 2012.

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).

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 QCC 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.

UnitedHealthcare Dental – A voluntary dental insurance program insured by UnitedHealthcare Dental is also available.  To access additional information and to enroll in the dental plan log onto www.commonwealthstudent.com, click on the Quinsigamond Community College Link at the bottom of the page, and then choose“Voluntary Dental” on the left-hand side under the header “My Student Health Insurance Plan.”