Health Insurance Information for All Students
Massachusetts State Law requires ALL full or three quarter time students at Lesley University to participate in the school sponsored Student Accident and Sickness Insurance Plan or have an alternate insurance plan with comparable coverage. (Please note: Student status as full or three quarter time for the semester will be determined as of the last date of the add/drop period) To comply, students must either enroll in a Lesley-sponsored student health insurance plan, or provide proof of enrollment in an alternate qualifying insurance plan by logging into LOIS and selecting the Health Insurance link found under the Financial menu. It is the student's responsibility to ensure that the alternate insurance is adequate. Students must submit a waiver/enrollment form by September 15 for the fall semester or January 15 for the spring semester once per academic year. Late waivers will not be accepted.
Health Insurance Waiver
Students who are covered by a qualifying insurance plan may waive their enrollment in a Lesley-assigned plan. In order to do this, the student must log into LOIS and select the Health Insurance link found under the Financial menu.
If you intend to waive the student health insurance offered by the University and use your own health insurance carrier, please note that a U.S. based carrier means that the insurance carrier issuing the plan is a U.S. or domestic company, regardless of where the policy is purchased or where the claims are processed. Carriers outside of the U.S. means foreign or foreign-based insurance companies (i.e., non-domestic or non-U.S. companies), including those companies with satellite offices in the United States. Some foreign insurance companies have numerous companies and subsidiaries worldwide. A foreign carrier may have a U.S. subsidiary, as well as subsidiaries in other countries. Policies purchased from the U.S. subsidiary qualify for a waiver, but policies purchased from foreign subsidiaries do not qualify for a waiver (unless the foreign study abroad exception applies). Insurance carriers that are based in a foreign country, but have a U.S. satellite office are considered foreign or foreign-based insurance companies. Their health plans are ineligible for a waiver unless the foreign study abroad exception applies.
Dates of Coverage: The Student Accident and Sickness Plan covers you during semester breaks, summer vacation and even if you're studying abroad. You'll be covered for the period for which you paid premium. If you pay the premium for the entire year this year, you will be covered from September 1 through August 31 of the following year. Spring semester health insurance is effective from January 1 through August 31 of the same year. Students must actively attend classes, at the enrollment of 9 or more credits, for at least the first 31 days after the date for which coverage is purchased. The Company maintains its right to investigate the student status and attendance records to verify that the policy of eligibility requirements have been met. If the Company discovers that the policy of eligibility requirements have not been met, its only obligation is refund of the premium.
On-Campus Students
Any on-campus student who meets the above criteria will be required to participate in the waiver/enrollment process through LOIS. Students are notified of the waiver/enrollment requirement via email to their lesley.edu email address during the waiver/enrollment period.
Low Residency Students
Students enrolled in short-term courses (defined as no more than 15 days of classes for each semester of 30 days total for the entire school year) do not participate in the student health program and therefore do not need to go through the insurance waiver process.
Online Students
Currently, any student registered in an online program in Massachusetts, regardless of that student's state of residency, is not required to participate in the SHP plan or an alternate health plan of comparable coverage.
Off-Campus Students
Students enrolled in Lesley University but do not attend classes in Massachusetts do not participate in the student health program and therefore do not need to go through the insurance waiver process.
Students who are not required to participate in the enrollment/waiver process may still be eligible to obtain coverage during the enrollment period. Please contact studentinsurance@lesley.edu for more information on obtaining coverage.
Learn more:
For general information on insurance plan benefits or service issues, please contact:
Gallagher Koster Insurance Agency
Website: https://www.gallagherkoster.com/lesley
Phone: 800.401.6068
Email: LesleyStudent@kosterins.com
Mailing Address: 500 Victory Road, Quincy, MA 02171
For any other inquiries please contact studentinsurance@lesley.edu.