Printer FriendlyHealth insurance is mandatory and is available through the University for those who are unable to prove they have equal or better coverage. The insurance plan offered through the University is recommended because it covers the students on or off campus, 24 hours a day, seven days a week, and is in effect for a full year, beginning on August 1st. This program is offered by Harvard Pilgrim Health Care. Go to www.kosterweb.com for more information on the University Health Insurance Plan.
All students are covered by a supplemental on campus accident insurance plan. This is mandatory (NOT WAIVABLE) and is charged to all students: Graduates, Undergraduates, Matriculating and Non-matriculating. It guarantees coverage of medical costs incurred due to injuries that occur on campus or while participating in an official University sponsored activity. On-campus insurance picks up medical costs up to $10,000.00 maximum for whatever balance is left after claims have been submitted to and paid for by the student’s own insurance company. On-campus accident insurance covers all students with any insurance plan.
If you belong to a managed care plan, check to see if they will cover lab tests and prescriptions ordered by Health Services. Most will not, and students, often unable to leave school to go to their primary care provider for care, must pay themselves. In addition, if you will be living outside your insurance coverage area while attending UMass Lowell, Massachusetts law requires that you MUST either choose a primary care provider (PCP) in the Lowell area or enroll in the University's Student Insurance Plan. (See more information about this State Law.)
Before deciding to waive the University insurance plan, check with your insurance company to determine the age at which coverage is terminated. Many companies drop coverage when a student reaches nineteen. Also be sure that the student is eligible for coverage in the Lowell area.
International Students: As authorized under the insurance laws for higher education students in Massachusetts (section 275 of Chapter 151 of the Acts of 1996),the University of Massachusetts Lowell requires that all international students must enroll in the University’s Student Health Insurance Plan.
If you have school insurance, you should be seen at Health Services initially for any medical problem and at the Counseling Center for any mental health problem. Please note that there is a $100 deductible for an Emergency Room visit, if you are not admitted to the hospital.
Questions about the health insurance charge or health insurance waivers should be directed to the Business Office at (978)934-3570. Questions regarding the University Health Insurance Plan should be directed to the Insurance Coordinator, Jeanne Michaud at (978) 934-4992.
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