Health Insurance and Fees

Harvard University Student Health Program (HUSHP)
Member Services
75 Mt. Auburn St., 617-495-2008
Hours: Monday-Friday, 8:30 a.m.-5:00 p.m.
hushp.harvard.edu
mservices@huhs.harvard.edu

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

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 services at Harvard University Health Services (HUHS), including internal medicine, medical/surgical specialty care, mental health/counseling services, physical therapy, radiology, Stillman infirmary, and 24/7 urgent care.

Student Health Insurance Plan
Provides hospital/specialty care through Blue Cross Blue Shield of Massachusetts and prescription drug coverage through Medco. Coverage includes emergency room visits, hospitalizations, diagnostic lab/radiology services, ambulatory surgery, specialty care outside of HUHS (limited), and prescription drug coverage. Benefit limits and cost-sharing may apply – visit hushp.harvard.edu for more details.

HUSHP Student Dependent Coverage
Students may enroll their spouse/same sex domestic partner and/or unmarried dependent children (under the age of 19) in HUSHP. Enrollment and renewal for dependants are not automatic. You must enroll dependants by September 30, 2012 for the fall term, and February 28, 2013 for the spring term. Rates, enrollment forms, and deadlines are available at hushp.harvard.edu.

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 your term bill. The deadline to waive is August 31, 2012 for the fall term (or full academic year), and by February 28, 2013 for the spring term.

• Before waiving, carefully evaluate whether your existing health plan will provide adequate comprehensive coverage in the Boston area. You can review the waiver checklist on hushp.harvard.edu for guidance. You will be fully responsible for all medical claims and prescription drug costs if you 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.

For detailed infromation on the Harvard University Student Health Program policies, benefits, limitations, and exclusions, visit hushp.harvard.edu.

Dental Care
Dental care is available at the HUHS Dental Service; discounted rates are available to students. A separate dental insurance plan is available through Delta Dental. Visit huhs.harvard.edu for more information. Coverage is effective from October 1, 2012 through September 30, 2013. Enrollment and renewal are not automatic; the deadline for both is September 30, 2012.