Massachusetts Healthcare Reform Facts
Beginning July 1, 2007, every Massachusetts resident age 18 and over was mandated to have health insurance. If you are a full- or part-time student residing in Massachusetts, you can satisfy this requirement if you are covered by your parent or guardian's health plan. If you do not have coverage through your parent or guardian, you may be able to purchase a special health plan through your school.
The Commonwealth of Massachusetts mandates that every full-time and part-time student enrolled in an institution of higher learning must participate in a student health program or in a health benefit plan with comparable coverage. A part time student is defined as a student participating in at least 75% of the full time curriculum. IMPORTANT: Graduate students less than 7 credits will not be permitted to enroll in insurance until August. Any student 7 or more credits, will be charged on their student account and must waive or purchase the insurance.
There are many available health plans to fit every budget. We caution students to read policy documents and make informed decisions when purchasing health insurance. What your colleagues are purchasing may not be the best choice for you. A lot of insurance companies will charge a low monthly or annual cost for insurance, but these often do not cover basic medical services, which will require a high out-of-pocket cost.
For most policies, there is no waiting period or pre-existing condition provision. If you are currently uninsured and previously avoided getting insurance due to pre-existing condition provisions, you now have an opportunity to obtain coverage. As of 2007, if you do not have health insurance, you will face a tax penalty, which could add up to 50% of the amount of the lowest-priced health insurance plan currently offered.
Health Insurance Information for International Students
This video teaches international students how to prepare for their arrival in the U.S., how the U.S. healthcare system works, and how students should seek appropriate medical care if they become sick or injured.