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Tuition & Expenses

Student Health Insurance

 

Massachusetts law requires all students enrolled three-quarter-time or more at the start of the semester, as defined by Merrimack College, to have comprehensive health insurance coverage. **

International students will be automatically enrolled in the Merrimack College Student Health Insurance Plan.

Domestic students must either enroll in the Merrimack College Student Health Insurance Plan or request a waiver with proof of adequate health insurance through an outside provider. Students who do not complete the online waiver-request form will automatically be enrolled in the Merrimack College Student Health Insurance Plan and will be responsible for the charged premium, even if they are covered by another plan.

Beginning in fall 2017, domestic students choosing to waive their participation in the Merrimack College Health Insurance Plan (SHIP) will be subject to an additional step in the review process to ensure they have adequate health-care coverage. This new step in the process will seek to establish:

  1. Whether the student’s existing insurance plan offers adequate access to emergency and nonemergency care in the North Andover, Massachusetts area.
  2. Whether the student’s existing insurance plan and member ID number are currently active.

How to enroll/waive insurance

ENROLL IN INSURANCE

You may enroll in the Merrimack College Student Health Insurance Plan by completing the following:

  • Visit www.gallagherstudent.com/merrimack.
  • Click the “Student Waive/Enroll” link under the “Student Access” tab on the left-hand side of the page.
  • Log in (if you haven’t already).
  • Click the “I Want to Enroll/Waive” button.
  • Follow the instructions to complete the form.
  • Print or save a copy of your confirmation page.

ENROLL IN INSURANCE

Once completed, an insurance card will be generated and mailed to the address that you provided. 

WAIVE INSURANCE

You may waive the Merrimack College Student Health Insurance Plan by completing the following:

  • Visit gallagherstudent.com/merrimack.
  • Click the “Student Waive/Enroll” link under the “Student Access” tab on the left-hand side of the page.
  • Log in (if you haven’t already).
  • Click the “I Want to Enroll/Waive” button.
  • Follow the instructions to complete the form.
  • Print or write down your reference number. This number only confirms receipt, not acceptance, of your form.

WAIVE INSURANCE

Please note that not all plans provide comparable coverage in Massachusetts. Be sure to check with your insurance company before waiving coverage. Short-term coverage (coverage that is not in place for the entire academic year) is not comparable coverage and requires enrollment in the college’s plan.

After completing the waiver request, students will receive confirmation that the request has been submitted. Waiver confirmation does not ensure that the waiver has been approved.

The college’s student health-insurance provider, Gallagher Student Health & Special Risk, of Quincy, Massachusetts, will send to the email address you provided on the online waiver-request form an official decision of whether your request has been approved or denied. The majority of waiver requests will be processed within one business day.

If Gallagher is unable to verify the information provided on your waiver-request form, students and families may be asked to provide additional documentation, or will have their waiver request denied. Students without existing comprehensive health insurance will be required to enroll in the Merrimack College Student Health Insurance Plan.

Deadlines and costs are as follows:

Beginning Enrollment Date

Waiver-Request Deadline

Policy
Premium

Effective Date of Coverage

End Date of Coverage

Summer 2017

 May 29, 2017 $570.00 May 13, 2017   Aug. 12, 2017

Fall 2017

Sept. 6, 2017

$2,321.00

Aug. 13, 2017

Aug. 12, 2018

Spring 2018

TBD

TBD

Jan. 13, 2018

Aug. 12, 2018

For frequently asked questions, visit www.gallagherstudent.com/merrimack and click on the “My Benefits and Plan Information” link under the “My Student Health Insurance” tab on the left-hand side of the page. Students who do not complete the online enrollment form or waiver-request form by the published deadline will automatically be enrolled in the Merrimack Student Health Insurance Plan and be responsible for paying the premium.

**Graduate students enrolled in the following online programs are exempt from this requirement. (Master of Education in Teacher Education Online, Master of Science in Business Analytics Online and Master of Science in Data Science Online)