PHENOM has joined with a number of other organizations in filing a formal complaint with the state’s Division of Health Care Finance and Policy concerning student health insurance. At UMass Amherst and UMass Dartmouth, students’ insurance plans have been changed to include “co-insurance” for services or procedures not available at their campus health service. Unlike co-payments, which represent a fixed dollar cost per medical service, coinsurance requires students to pay a percentage of the total cost of care and can represent an unaffordable cost-barrier for low-income students. We believe this is wrong, undermines the principles of affordable health care and affordable public higher education, and is probably illegal.
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