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College Health

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Student Health Insurance Plan 2013-2014
POLICY: 2013J3A59

This webpage is for the policy period 2013-2014. If you wish to visit the current policy page 2014-2015 please CLICK HERE.

This website outlines the Plan 1: Student Accident Only and Plan 2: Student Health Insurance coverage that is available to all eligible Maine College of Art Students. The need for protection against unexpected medical expenses, that may be incurred as a result of accident or sickness, is obvious. These expenses can seriously deplete the financial resources earmarked for educational purposes. The Plan consists of 2 separate policies. The policy represented by Plan 1 provides coverage for Accident-Only and the policy represented by Plan 2 provides Student Health Insurance coverage for Accident, Sickness and Preventive Services.

Plan 1: Accident Only: Plan 1 is mandatory and all eligible students are automatically enrolled. Accident benefits are provided for incurred eligible Medical Expenses up to $1,000, payable at 100% of Usual and Customary for Covered Medical Expenses incurred as inpatient or outpatient, as a result of a Covered Accident until the termination date or any extension of benefits of the policy, subject to all policy provisions.

Plan 2: Accident, Sickness, and Preventive Services: All registered students taking 9 or more credit hours are automatically enrolled in Plan 2 unless proof of medical insurance is provided via the on-line Waiver Form at Click on the “Waive Insurance” link and follow the instructions. On-line Waiver Forms for the Annual Policy cannot be accepted after September 13, 2013. On-line Waiver Forms for Spring Term cannot be accepted after January 27, 2014. Students who do not complete the on-line Waiver Form by the deadline, will automatically be enrolled in the Student Health Insurance Plan.

Payment of $1,200 (which includes an administrative fee) automatically provides coverage for a full year. Coverage begins at 12:01 a.m. on September 1, 2013 and terminates at 12:01 a.m. on August 31, 2014. Masters of Fine Arts students in their first year will be insured from June 14, 2013. Coverage for the Spring term begins at 12:01 a.m. on January 1, 2014 and terminates at 12:01 a.m. on August 31, 2014. The cost of the Spring term coverage is $825 (which includes an administrative fee). Once enrolled, a student may not cancel the insurance. Coverage continues until the Policy terminates.


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Cross Financial Corp., a Maine corporation headquartered in Bangor, Maine, operates a network of wholly-owned subsidiary insurance agencies with locations in Maine, New Hampshire, and Massachusetts. Each office is a separate legal entity, is separately managed and is independently operated as a wholly owned subsidiary of Cross Financial Corp., Bangor, Maine.