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Student Handbook

Student Handbook: Student Health Insurance

Massachusetts law requires that students enrolled in an institution of higher learning in Massachusetts participate in a student health insurance program or in a health benefit plan with comparable coverage. All Harvard students are automatically enrolled in the Harvard University Student Health Program (HUSHP) and the cost of the program is applied to their student bill.

The Harvard University Student Health Program (HUSHP) is comprised of two parts:

Student Health Fee
Required of all students who are more than half-time and studying in Massachusetts. This fee covers most provider visits at any of the HUHS campus clinics, and includes x-rays and physical therapy. Primary care providers are available at each of the Harvard campus clinics.
 
Student Health Insurance Plan
This plan is administered by Blue Cross Blue Shield of Massachusetts, and is designed to complement the health care provided through the Student Health Fee at HUHS. It covers hospital, specialty care, labs/radiology and has a prescription drug benefit. This plan provides coverage throughout the United States and abroad.
 

Health Insurance Coverage for Graduating Students

Ed.M. students who graduate in November 2020 are not eligible for fall HUSHP coverage. Doctoral students who successfully submit either a dissertation or capstone on or before September 9, 2020 are not eligible for fall HUSHP coverage. Ed.D. students who submit after September 9 will be charged for fall HUSHP and will be covered for the period starting August 1, 2020 and ending January 31, 2021, unless a waiver has been filed and approved.

March degree candidates are required to be registered for the fall semester and, if enrolled in HUSHP, will have student health insurance coverage through January 31, 2021. March degree candidates are not eligible for spring HUSHP coverage.

May degree candidates are required to be registered for the spring semester and, if enrolled in HUSHP, will have student health insurance coverage through July 31, 2021.

Waiving the Student Health Insurance Plan

Students enrolled in a comparable health insurance plan may be eligible to waive the Student Health Insurance Plan. Waivers must be completed by the appropriate deadline or the charges will remain on the term bill. The deadline to waive is September 30, 2020 for the fall term (or full academic year), and by January 31, 2021 for the spring term.

Before waiving, students should carefully evaluate whether their existing health plan will provide adequate, comprehensive coverage in your area of residence. View the waiver checklist for guidance. Students will be fully responsible for all medical claims and prescription drug costs if they waive the insurance plan.

International students studying on campus at Harvard are not eligible to waive the insurance plan with foreign insurance, including those with a U.S.-based administrator. This is a requirement pursuant to the Massachusetts student health program regulations.

Visit the Harvard University Student Health Program for detailed information on policies, benefits, limitations, and exclusions.

Student Dependent Coverage

Students may enroll their spouse/same sex domestic partner and/or unmarried dependent children (under age 19) in HUSHP. Enrollment and renewal for dependents is not automatic. Dependents must be enrolled by September 30, 2020 for the fall term, and February 28, 2021 for the spring term. Rates, enrollment forms, and deadlines are available at the HUSHP site.