Health and Dental Insurance

According to the Commonwealth of Massachusetts and Lesley University policy, all undergraduate students registered for 9 credits or more must be covered by a comprehensive health insurance program.

Also, any on-campus graduate students registered for 6 credits or more must be covered by a comprehensive health insurance program.

Lesley has a general health insurance program available, which meets the standards of the Commonwealth as well as those put forth in the national Affordable Care Act.

This policy is provided by Blue Cross Blue Shield and administered by Gallagher Student Health and Special Risk. The current year's annual coverage begins on August 15, 2017, and continues through August 14, 2018.

See below for health insurance requirements for on-campus international students, as well as online, off-campus, and low-residency students. 

  • On-Campus International Students

    All on-campus international students must enroll in the Blue Cross Blue Shield plan with the exception of:

    • Those international students whose sponsoring institution has a signed agreement with Lesley University that complies with the health insurance waiver requirements.
    • International students with a plan for which their health insurance company’s primary home office is based in the United States, and the policy provides comparable coverage to the university student health insurance plan.


    International students who qualify to waive the insurance based on the information above must go to gallagherstudent.com/lesley to waive the insurance charge. All other international students are required to enroll in the health insurance plan and are not eligible for a waiver.

  • Online, Off-Campus, and Low-Residency Students

    If you’re enrolled in an online program in Massachusetts (regardless of your state of residency), in a program that’s delivered at an off-campus location, or in a program delivered in a low-residency format, you’re not eligible to participate in the Student Health Plan (SHP) or an alternate health plan.

Full-Time or Three-Quarter-Time Student Status

Full-time or three-quarter-time status is based on registered credits, not classes, and your status for the semester will be determined as of the last date of the add/drop period. If you’re in a campus-based program and are taking the following number of credits, you’ll be required to participate in the health insurance enrollment or waiver process.

  • Undergraduate Students
    • Full-time status: Taking 12–18 credits per semester
    • Three-quarter-time status: Taking 9–11.5 credits per semester
  • Graduate and Doctoral Students
    • Full-time status: Taking 9 or more credits per semester
    • Half-time status: Taking 6 or more credits per semester

Health Insurance Waiver or Enrollment Process

How to submit a Health Insurance Decision form:

  1. Go to gallagherstudent.com/lesley.
  2. On left navigation, under "Student Access", click on "Waive/Enroll.”
  3. Log in. Your username is your Lesley email address. Your temporary password is your Student ID number preceded by two leading zeroes. For example, if your Student ID is 1234567, your temporary password will be 001234567. You will be required to reset your password for security purposes. You'll receive an email at your Lesley account with a reset password link.
  4. Complete the Health Insurance Decision Form.

You’ll immediately receive a reference number confirming the form was submitted. If you waived the Student Blue Plan, the charge for it will be removed from your Lesley Student Account within 3-5 days.

The deadline for the current year is August 1, 2017. If you do not submit a form by this deadline, you will be assessed a student account hold and late payment fee. You will be enrolled for the entire year if you do not waive this insurance.

Qualifying Health Plans for a Waiver

If you intend to waive the student health insurance offered by the university and use your own health insurance, the company must be a U.S. based carrier.

See below for a list of qualifying health plans.

  • Qualifying Health Plans
    • Being 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. are foreign or foreign-based insurance companies (for example, 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).
       
    • Those international students whose sponsoring institutions have a signed agreement with Lesley University that complies with the university’s health insurance waiver requirements, or international students with a plan for which their health insurance company’s primary home office is based in the United States and the policy provides comparable coverage to the university Student Health Insurance Plan are eligible to waive. Travel insurance plans and short-term limited duration plans are not comparable.

Dates of Coverage, Rates, and Policies: 2017–2018

The Lesley-sponsored Student Accident and Sickness Plan covers you during semester breaks, summer vacation, and even while you're studying abroad. You'll be covered for the period for which you paid the premium.

  • Coverage Dates and Rates: 2017–2018
    Premium Period Dates of Coverage Rates:
    Undergraduate
    Rates: Graduate
    or Doctoral
    Entire Academic Year
    (Fall Start)
    Aug. 15 this year to Aug. 14 next year $2,227 $4,561
    Spring Semester Only Jan. 1 to Aug. 14 $1,313 $2,675
  • Policies Pertaining to Coverage
    • Undergraduate 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.
       
    • Graduate students must actively attend classes, at the enrollment of 6 or more credits, for at least the first 31 days after the date for which coverage is purchased.
       
    • The university maintains its right to investigate the student status and attendance records to verify that the policy of eligibility requirements have been met.
       
    • If the university discovers that the policy of eligibility requirements have not been met, its only obligation is a refund of the premium.
  • Beneftis and Service Questions

    For general information on insurance plan benefits or service issues, please contact the provider directly:

    Gallagher Student Health and Special Risk
    500 Victory Road
    Quincy, MA 02171
    Phone: 800.401.6068

  • Change of Address

    If you’re a returning student and need to change your address with the health insurance provider, please follow these instructions:

    1. Go to gallagherstudent.com/lesley.
    2. On the left toolbar, click ‘Account Home’.
    3. Log in (if you haven’t already).
    4. On the left toolbar, under ‘My Account’, click on ‘Authorize Account’.
    5. Enter your Student ID number and your date of birth.
    6. Click on ‘Authorize Account’.
    7. You’ll be redirected to the ‘Account Home’ page, then click on ‘Address’.
    8. Click ‘Edit Address’.

Dental Insurance

We do not offer dental insurance; however, the Lesley-sponsored health plan includes a Dental Savings Program. If you would prefer to purchase dental insurance, Boston University has an option for Lesley University students.

  • Dental Savings Program

    The Dental Savings Program is an exclusive plan for students enrolled in the Lesley-sponsored Student Accident and Sickness Insurance Plan. The program was developed by Basix, LLC to provide students access to general and specialty dental care from a select network of local dentists. The providers in this network have met strict requirements for credentialing and quality assurance and have agreed to accept negotiated prices for the services they provide.

    How the Dental Savings Program Works

    • At your dental visit, you would be responsible for paying for the services you receive.
       
    • Save about 50 percent off charges for a range of dental services, from routine cleanings to root canals.
       
    • This is not an insurance plan, so there are no claim forms, annual maximums, benefit limitations, and condition or other plan provisions.
       
    • Visit basixstudent.com to locate participating dental providers and learn about their fee schedules.
  • Student Dental Plan with Boston University

    The Boston University School of Dental Medicine offers a Student Dental Plan to Lesley University students. This plan includes low-cost, high-quality care for students' basic dental needs such as cleanings and fillings. For more information on the Student Dental Plan, visit dentalschool.bu.edu.

Finding Alternate Health Insurance

If you wish to find an alternate health insurance plan, try these resources:

Massachusetts residents:

  • You can seek alternative coverage options through the Massachusetts Health Connector.
     
  • Visit mahealthconnector.org for more information.

Other states: