In the 2013–2014 year, once again the Cross Insurance Agency of Lewiston, ME will be servicing the Student Health Insurance Plan. The Basic Accident Insurance Plan, included in the Student Services fee, automatically applies to all full-time undergraduate students at NEC, as well as to all undergraduate and graduate international students in the Henniker area. These students will also be covered under a separate International Student Health Insurance Plan. It covers 80% of the eligible Usual and Reasonable expenses incurred up to $2,000 for any accident requiring treatment outside the Wellness Center, according to the schedule of benefits contained in this brochure. The Plan will process eligible Intercollegiate sports claims at 100% of the eligible Usual and Customary expenses up to $2,000 per accident. (Please note that for students who already have primary insurance coverage, medical charges incurred from referrals to doctors or facilities outside the Wellness Center are initially directed to your home address for independent processing through your primary insurance provider. The Basic Insurance Plan will be applied to eligible expenses not covered by your primary insurance.)
For more complete coverage, the college provides a Health Insurance Plan, which pays 80% of the eligible Usual and Customary expenses incurred up to $500,000 for covered accident, sickness or preventive services, according to the schedule of benefits. The cost of the Health Insurance Plan is $366.50 per semester and provides coverage through the academic year and the summer months. Students who have comparable coverage under another Policy may waive the cost of the Health Insurance Plan by completing the online waiver by clicking on the "Waive Insurance" link above.
Bear in mind that health insurance varies from state to state and abroad. Before declining the Health Insurance Plan, it is important to contact your primary health insurance provider to know the scope of services and coverage available to your student while he or she is away at college. The Health Insurance Plan can provide additional coverage to your current plan.