Student Health Insurance at Marlboro College

Good health is a major contributor to academic success; therefore, it is important for students to have comprehensive health insurance that ensures access to care when needed. If students have inadequate health insurance or are uninsured, unexpected medical bills from injuries or illnesses can threaten the ability of students to complete their education. Consequently, Marlboro College historically required all full-time undergraduate students to enroll in a college-provided student injury and sickness insurance plan funded by the Student Health Fee.

With the 2013/2014 academic year enrollment in a health insurance plan will continue to be required of all full-time undergraduate students registered for 12 or more credit hours per semester. In a change from past practice, however, this requirement may now be satisfied by students certifying that they are enrolled in either a family or an individual health insurance plan, and those students may waive participation in the college sponsored student health insurance plan. (With this change we also lowered the Student Health Fee.)

Health insurance will continue to be available through the college as a benefit for all students who wish to purchase it, but will be required of those students who are not enrolled in another health insurance plan. Enrollment in the student health insurance offered through Marlboro College will allow students to comply with the insurance requirements of the PPACA. It will also provide them broad coverage that meets the standards of the PPACA at a lower cost than most individual health plans. The 12-month premium for this coverage for the 2013/2014 academic year is $1,466.

The only way that Marlboro College is able to offer this student health insurance at this price is by requiring it of anyone who is not already covered by another health insurance plan. As a result, students will find a charge for the college sponsored health insurance plan on their student bills, but they will have the opportunity to waive that charge by completing the insurance waiver process described below. After successfully completing the waiver process, students’ bills will be credited for the health insurance premium. The waiver process must be completed by September 15, 2013.

Waiver of College-Provided Health Insurance

All full-time undergraduate students must enroll in the college sponsored health insurance plan or certify that they have other valid and collectible insurance under another plan. If they are already covered under another health insurance plan and they do not wish to participate in the college sponsored plan, they may waive out of the college sponsored plan by completing the following steps:

  1. Access the Student Health Insurance Plan
  2. Go to the Online Student Health Waiver and follow the instructions carefully. The identification number that you must enter in the required field “Student’s University ID #” is the digits following the hyphen in the ID on the student billing statement.
  3. Upon completing all steps in the Online Student Health Waiver, to expedite the credit of the charge for health insurance, students may print out the confirmation page and email or mail a copy to the the Student Accounts Office.
    Student Accounts
    P. O. Box A
    Marlboro, VT 05344

    If students choose to not or cannot send a copy of the confirmation to Students Accounts, their accounts will be credited after the online waiver deadline based on a list of waivers provided to the college by the insurance company.

  4. The online waiver must be completed by September 15, 2013. After this date students will not be eligible to waive this insurance or have this charge credited on their student bills.

Overview of the College Sponsored Health Plan

With the 2013/2014 academic year, all student health insurance plans must comply with health insurance standards established in the federal PPACA. Under that requirement, the student health plan available through Marlboro College will be a full-featured health insurance plan rather than a limited student injury and sickness health plan. The 12-month premium for the student health insurance plan will be $1,466.

Detailed information regarding the 2013/2014 student health insurance plan may be found here or on the Bollinger website. Features of the college sponsored student health plan include the following:

  • $500,000 Maximum Benefit per Policy Year
  • Pre-existing Conditions Covered for new plan participants under age 19
  • No cost sharing by students for in-network Preventative/Wellness benefits up to the plan maximum
  • Coverage for all Essential Services required by the PPACA
    • Ambulatory Patient Services
    • Hospitalization
    • Mental Health/Substance Abuse
    • Rehabilitative Services
    • Diagnostic Tests
    • Maternity & Newborn Care
    • Prescription Drugs
    • Durable Medical Equipment/Devices
    • Wellness/Preventative Care
  • 24-Hour Nurse Advice Line
  • Medical-Related Travel Assistance

Information about Managed Care Plans

As students make decision regarding participation in the college sponsored health insurance plan, if they live outside the local area and are covered under a managed care plan (e.g., HMOs, POS, and prescription drug plans) they should clarify the nature of their coverage while they attend Marlboro College. Many such plans restrict coverage to only emergencies when students are out of their home coverage area. Students should also consult their health plan representatives about the types and limits of coverage for physician fees, hospital costs, laboratory and radiology tests, and prescription plans while residing at Marlboro College.

More Information

Any questions regarding billing for the student health insurance may be directed to the  Student Accounts Office (802-258-9241). Questions about details of the student health insurance may be directed to Anne Pratt, Senior Financial Management Officer (802-251-7607).