Health Care Reform Notice
This summary of benefits has been updated to comply with federal and state requirements, including applicable provisions of the recently enacted federal health care reform laws. As we receive additional guidance and clarification on the new health care reform laws from the U.S. Department of Health and Human Services, Department of Labor and Internal Review Services, we may be required to make additional changes to this summary of benefits. Information on our summary of benefits may be obtained at http://www.msmu.edu/about-msmu/business-office/policies-and-procedures/student-insurance.aspx
Health Insurance Waiver
A waiver request may be submitted every semester through the https://jcbins.com website .This waiver request must be completed no later than the third week of the Fall and Spring semesters. Students who do not submit a waiver request and receive approval confirmation will incur the health insurance premium charges, and the charges will remain on the account.
The charge will be removed from the Statement of Account for all approved waivers. The insurance waiver must be renewed every semester.
If the online waiver request is denied, an appeal can be made. Appeals are reviewed by Gallagher Student Health (formerly known as JCB Insurance Solutions) who will respond to the appeal within 14 business days.
Graduate Nursing Students are eligible for the Student Health Insurance, but will not be automatically enrolled. Graduate Nursing Students wishing to enroll may do so by contacting the Student Accounts Office and requesting insurance enrollment.
International Students and Scholars : All international students and scholars, possessing and maintaining a current passport and valid visa (F-1, J-1 or M-1, etc.), engaged in educational activities at the University who are temporarily located outside their home country and have not been granted permanent residency status, are required to be insured under the Policy. Waivers may only be granted to people already insured under equivalent plans. A person who is an immigrant or permanent resident alien is not eligible for coverage under the international plan.