Student Health Insurance - Graduate Students | Student Accounts

Access the Student Health Insurance Portal by clicking the button below.

Student Health Insurance Portal from Insurance for Students (IFS):

Access your IFS Student Dashboard (Requires the student AIC email address)
Waive or enroll in the insurance
Update: Opened on Thursday, July 24th

Annual Process

AIC works with Insurance For Student, Inc. (IFS) to administer the Student Health Plan as required by the State of Massachusetts.

Students who are enrolled in programs that offer onsite (in-person) courses AND who meet the minimum credit requirements will automatically be enrolled in and charged for the student health insurance.

Enrollment -Automatic: All eligible students are automatically enrolled in the insurance with BCBS

Insurance cards for eligible students who were registered by mid-July will be available by August 1st
After August 1st: Please allow 7-10 business days after you meet the eligibility requirements for your enrollment to be processed and for the insurance to be available for usage
Insurance cards are NOT mailed. You must sign up with MyBlue and obtain your insurance card online

Opt-Out (Action Required): Must WAIVE the insurance if you wish to opt-out

WAIVE: MUST complete a waiver showing proof of comparable coverage once every year in order to have the fee reversed (by posted deadlines)
Waiver requests will be denied for students who utilize the insurance prior to submitting a waiver
Please allow 2-10 business days for your waiver to be processed at AIC after it is completed.

FAQs

Cancel Coverage:

Enrollment is on an ANNUAL basis. The coverage CANNOT be cancelled once you are enrolled unless you qualify for one of the few exceptions. Contact Student Accounts for details.
Exception #1: If you enrolled in the insurance in the Fall semester but do not return to AIC for the Spring semester, you may request to terminate the coverage and have the premium pro-rated. Please contact University Health Plans for additional information and deadlines.
Exception #2: If you obtain coverage through MassHealth mid year (prior to 1/1), provide the appropriate documentation and complete the Spring Termination Request form then the insurance may be pro-rated.

Qualifying Event: If you have a qualifying event, you may request to be added to the AIC Student Health Insurance Plan mid-year. Please contact Insurance for Students, Inc. for details.

Student Accounts>Student Health Insurance -Undergraduate

Comparable Coverage

HEALTH INSURANCE PLAN COMPARISON CHECK LIST (Minimum Benefit Guidelines)

Use the following grid to determine whether the plan you’re considering is comparable to the Student Insurance Plan. Your plan must be compliant with Massachusetts regulations and the Patient Protection Affordable Care Act (PPACA). It is your responsibility to review your plan and talk to your insurance agent about any questions you have on your plan.

If your plan doesn’t meet, at a minimum, the following requirements, you cannot waive the Student Health Insurance Plan.

	My Plan
Minimum Health Insurance Plan Comparable Coverage Requirements	Yes	No
1. A network of doctors, specialists, and hospitals within 30 miles of the AIC campus in Springfield, MA (local area) effective from the beginning of the period of enrollment. All coverage requirements listed in items 3 through 12 must be available within the local area.
2. An insurance company whose home office is based in the United States and whose plan is filed and approved in the US, and compliant with the Affordable Care Act (ACA).
3. An unlimited plan maximum benefit. This means no maximum benefit per illness or injury per coverage period or per lifetime
4. Immediate Coverage for Pre-existing Conditions; no waiting period for services [In addition to looking at what’s covered, check the list of exclusions and limitations].
5. Emergency Services Coverage – no limits on coverage
6. Maternity Coverage and Coverage for Newborns - no limit on coverage
7. Mental Health/Substance Abuse, no limits outpatient or inpatient – no dollar limits or days of treatment limits
8. Pharmacy Benefits - no maximum dollar amount
9. Preventive Care and Primary Care Services This means coverage for routine physicals, physician visits exams, gynecological exams, coverage for preventive lab tests, preventive immunizations and vaccinations.
10. Surgical services – no maximum dollar amount
11. Hospitalization Benefits – no maximum dollar amount or limit to number of days
12. Ambulatory Patient Services – no maximum dollar amount
If you answered “NO” to any question (1-12) then your plan is not comparable
13. Do you have Massachusetts Health Safety Net, MassHealth Limited, or The Children’s Medical Security Program?
14. Do you have an out-of-state Medicaid Plan other than Connecticut Husky Health? Note: International students attending on an F1 Visa may not waive coverage based on a Medicaid plan.*
15. Do you have a plan that you purchase on a month-to-month basis?
If you answered “YES” to questions (13 , 14 or 15) then your plan is not comparable

Contact Information

Insurance Information

IFS Phone: 800-356-1235

IFS Email: ifs@insuranceforstudents.com

Plan Benefit/Policy: www.insuranceforstudents.com/AIC

Insurance Company: Blue Cross Blue Shield (BCBS)

AIC Phone: 413-205-3254

AIC Email: studentaccounts@aic.edu

Rates and Due Dates

RATES
	Annual	Spring Only*	Fall Only*
Premium:	$3,060	$1,785	$1,275
Period of Enrollment:	8/1/2025 to 7/31/2026	01/01/2026 to 07/31/2026	08/01/2025 to 12/31/2025
Waiver Due Date:	August 15, 2025	January 7, 2025	August 15, 2025
Final Waiver Deadline:	October 14, 2025	March 9, 2026	October 14, 2025

*Enrollment is on an ANNUAL basis. The Spring rate is applied only to students who begin attendance in the Spring 2026 semester. The Fall only rate can be applied for on an exception basis for students who withdraw from the College as of the end of the Fall semester. See the FAQ’s for additional information.

Will I be Enrolled or Can I Opt Out

Students Who Will Be Automatically Enrolled in the Student Health Insurance

All Student Athletes
Graduate Students in the following Majors:
	MA Clinical Mental Health: In-Person (4.5 credits) MA Clinical Psychology (4.5 credits) MS Exercise Science (4.5 credits)	MA/CERT General Psychology 4.5 credits) MS Forensic Psychology: In-Person (4.5 credits) MS Occupational Therapy (9 credits) MS Public Health (4.5 credits)
Doctoral Students in the Following Majors:
	EdD Educational Psychology (4.5 credits) EdD Mental Health Counseling: In-Person (4.5 credits)	EdD Mental Health & Human (4.5 credits) Development: In-Person (4.5 credits) Doctor of Physical Therapy (9 credits)

WAIVER (OPT-OUT): Students will need to submit a valid waiver to opt-out of the student health insurance by the posted deadlines.
International Students attending AIC on an F1 Visa are not eligible to submit waivers. You will be automatically enrolled.
Students who are not enrolled in one of the programs listed above: Are NOT required by the state regulations to show proof of health insurance Will NOT automatically be enrolled in or charged for the student health insurance May choose to voluntarily enroll in the student health insurance plan

State Policy Information

Massachusetts Regulation:

The Commonwealth of Massachusetts mandates that all matriculated full-time and three-quarter-time students attending an institution of higher education in this state who are not enrolled solely in short term courses or in an online program must be enrolled in a qualifying Student Health Plan that meets established minimum benefit guidelines.