Eligibility and Enrollment
Massachusetts state law (QSHIP) requires that all students enrolled at Berklee participate in the school sponsored Student Health Insurance Plan or provide proof of an alternate insurance plan with comparable coverage.
All registered students at Berklee College of Music taking credit hours are eligible to enroll in the Student Health Insurance Plan (BCBS Student Blue Plan).
Students approved for practical training are also eligible to enroll in the Student Health Insurance Plan. You must sign up for health insurance at the Office of the Registrar and show your Practical Training Card or I-20 form; then pay the health insurance fee to the Bursar's Office.
All eligible students who do not submit a Health Insurance Waiver Form by the deadline will be automatically enrolled in and billed for the Student Health Insurance Plan (BCBS Student Blue Plan).
Please note: International Students cannot waive coverage unless they are currently enrolled in an insurance plan of comparable coverage through a U.S.-based insurance company.
Students who are already covered under a comparable insurance plan must submit a waiver form to opt out of the insurance program sponsored by Berklee. It is the student's responsibility to ensure that the alternate insurance is adequate and the waiver form is submitted by the deadline. Before waiving coverage, be sure to check with your insurance company to determine if your current insurance plan provides coverage comparable to the important benefits included in the BCBS Student Blue Plan.
For information on waiving the Berklee Health Insurance Plan, select Waiving Berklee Insurance from the links at the left.
Enrolling Family Members
Insured students may also enroll their spouse, domestic partner, and/or children under the age of 26 who reside with the student. The enrollment deadlines to add dependents are September 30 (fall), February 15 (spring), and June 15 (summer). Contact Gallagher Koster at 617 769-6008 or 800 391-8057 for information on additional premium costs (above the student premium) and coverage dates, and to purchase coverage.
Continuing Coverage after Policy Termination
Students may continue their coverage on a direct-pay basis through Blue Cross Blue Shield. Go to bluecrossma.com and select "Visitor" and then "Plans & Products" to review and compare plans. You can also contact Gallagher Koster at gallagherkoster.com/berklee for other possible plan options.
Unexpected Termination of Alternative Insurance Plan
If you've waived the student health insurance plan for for fall 2012 – summer 2013, but your alternative insurance plan unexpectedly terminates before August 14, 2013, you may late enroll for Berklee's plan as follows:
Petition to Add Process
Students who initially waived the student insurance plan can only petition to add coverage if they experience a qualifying event. Examples of qualifying events include students who lose coverage because they reach the maximum age under their private insurance plan or who lose coverage due to a parent/guardian’s loss or change of employment or through a marriage or divorce. A qualifying event does not include a student who is seeking enrollment to gain access to a benefit that was exhausted under their current private insurance plan.
Students must submit a Petition to Add form within 31 days of the qualifying event in order for the effective date of coverage to be the day of the qualifying event. If the Petition to Add form is received after 31 days of the qualifying event, the effective date of coverage will be the date the petition is received at Gallagher Koster. You can download a Petition to Add form at www.gallagherkoster.com. In addition to the Petition to Add Form, a letter from the previous insurance company MUST be provided stating the reason for the student’s ineligibility and the date the student became ineligible.
In accordance to the recently revised Massachusetts Student Health Programs Mandate (114.6 CMR 3.00), Gallagher Koster will be pro-rating the premium for all approved Petition to Add requests.
If Gallagher Koster approves your petition to add health insurance late, you must pay the health insurance fee to the Bursar’s Office. You will not be officially insured until Gallagher Koster approves your petition, determines the (pro-rated) cost of the insurance to Berklee, and that amount is paid in full to Berklee.