FAQ

If I travel abroad?

If I need emergency room care?

If I injure myself skydiving?

If I need an IUD?

While swimming in shark-infested waters?

If I experience an injury to my otherwise sound teeth?

The waiver website will ask you the following:

1.  Are you registered full time for the fall term?  The waiver website has only the names of all domestic COA students who are registered for 3 credits for the Fall term of 2011. 

If you intend to be a full time student in the fall (full time = 3 credits), you will be required to have insurance.  To plan ahead and opt out now, simply register for a placeholder credit to bring your registration up to full time.  Once you have done that, email Heather Candon ([email protected]) to notify her of your registration change.  She will then send an updated list to the insurance company and will let you know via email that when you are eligible to opt out via the waiver website.

All full time degree-seeking students are required to have insurance.  If you have less than three credits left to complete than you are not required to have health insurance. 

If, however, you plan on being a registered student taking 3 credits (read: full time) for any portion of the upcoming 2011-2012 academic year (even if it is just for one term) and you intend to receive your degree from COA, you will need health insurance.

If you have tried to waive the health insurance but were unsuccessful, it may be because you are not currently registered full time.  To bring your registration up to full time status, you may choose placeholder credits.  Contact the registrar's office for more information about this process.

If you switch your registration from part-time to full time, please notify Heather Candon via email.  She will then send your data to the health insurance company, thereby giving you the option to waive health insurance.

I apologize for the inconvenience. 

The Coordinator of Health, Wellness & Counseling does not control the deadlines.  Her role is to facilitate the process of opting out of health insurance.  She does not have ultimate control of the timeline.

Health Insurance at College of the Atlantic is coordinated between a number of different offices as it involves academic registration status, billing and student life.  The Coordinator of Health, Wellness & Counseling has currently been designated the point-person/posterchild for student health insurance.

The winter plan waiver deadline is December 1st, 2011.

The spring plan waiver deadline is March 1st, 2012. 

You can choose to opt out of the COA Health insurance during those times by being in touch with Sarah Luke ([email protected]).  If you do not opt out, you will be automatically enrolled in the COA Health Insurance plan.

Students who enroll in the plan effective for the 2011-2012 academic year will be charged $745.  (Coverage runs from August 15th, 2011 to August 15th, 2012.)

Coverage for Winter and Spring terms (effective January 1st, 2012-August 15th, 2012) costs $560.

Coverage for the spring term (effective March 22nd, 2012-August 15th, 2012) costs $335.

I cannot advise on which policy a student should choose.  Please do not ask me.

To review the COA Domestic Student Health Insurance Plan presented by Cross Insurance, please visit http://www2.crossagency.com/2011-2012/coa.php 

There is a link in the upper right corner to the online student health brochure which will review in detail what services are covered. 

The COA Domestic Health Insurance is accepted by healthcare practitioners in Bar Harbor, including MDI Hospital and their affiliates.

It is your responsibility to verify that health insurance coverage through a parent is adequate.  You will need coverage of at least $25,000.  When reviewing your current insurance plan through a parent, be sure it provides access to care in the state of Maine and provides comprehensive coverage extending beyond emergency care to include physician and hospital services.