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Health Insurance

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Student Health Insurance Program (SHIP)

Why is there an insurance charge on your tuition bill?

In accordance with Massachusetts M.G.L. c. 15A, § 18, all Independent and Public Institutions of Higher Education must ensure that all students participate in a Student Health Insurance Program (SHIP) or in a plan of comparable coverage.

Provisions of the MA SHIP requirement

Every student enrolled in a certificate, diploma, or degree-granting program of higher education must participate in his or her School's Student Health Insurance Program or in a Health Benefit Plan with comparable coverage as defined in 956 CMR 8.05(2). Every school shall offer a Student Health Insurance Program and shall require all students enrolled in a certificate, diploma, or degree-granting program to participate in the school’s Student Health Insurance Program or in a health benefit plan with comparable coverage as defined in 956 CMR 8.05(2).

Western New England's student health insurance carrier

All WNE students enrolled at 75% of full-time status in ac­cordance with MA statute M.G.L. c. 15A, § 18 are automati­cally enrolled in our Student Health Insurance Plan (SHIP). Our carrier is Blue Cross Blue Shield of MA and is adminis­tered by Gallagher Student Health and Special Risk.

Students are billed annually and charges will appear on the student’s tuition bill.

Student Term Premium Policy Term
Annual Premium $3,067.00 August 15, 2023-August, 14, 2024
NEW to WNE Spring Students $1,789.00 January 1, 2024-August 14, 2024

Waiving the WNE SHIP requirement

WNE students that have their own insurance plan or who are covered through a parent’s or guardian’s policy may request a waiver from the WNE SHIP plan. Gallagher Student Health and Special Risk will process all waiver requests on behalf of WNE to ensure that stated coverage matches the requirements of M.G.L. c. 15A, § 18. Waivers must be requested every year that a student is enrolled at WNE.

Once a waiver has been granted, WNE is notified and the charges on the student’s bill will be removed.

Requesting a Waiver

  1. Log onto your Western New England Connect2U account, found on the University landing page. (If you don’t remember your username and password, please contact the Office of Information Technology at 413-796-2200 or helpdesk@wne.edu.)
  2. Log onto www.gallagherstudent.com/wne.
  3. Look for the “ENROLL or WAIVE” button.

If you are waiving the insurance, you will need the information found on your current health insurance ID card, please have that information available when you are ready to waive the program.

Deadlines for waivers

Waiver requests can be submitted beginning June 8, 2023. Deadlines are time sensitive, so please make note of them.

Term Deadline
Fall 2023 September 15, 2023
Spring 2024 January 27, 2024

Have questions?

Email healthservices@wne.edu or call our Center for Health and Well-Being at 413-782-1211 and ask to speak to our WNE Student Health Insurance Program Coordinator.

NOTE: This is an annual process for all students each year that they are at WNE.

Frequently Asked Questions