Health Insurance and Fees

Harvard University Student Health Program Member Services
75 Mount Auburn Street
Cambridge, MA 02138
Tel: 617-495-2008
Hours: By Phone: Monday-Friday (except for University Holidays), 9:00 a.m.–4:30 p.m.
By Email: Monday-Friday (except for University Holidays), 8:00 a.m.-5:00 p.m.

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 student bill.

The HUSHP includes two parts:
Student Health Fee
The Student Health Fee is required of all students who are enrolled 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, and urgent care. Visit HUSHP for details.

Student Health Insurance Plan
HUHS will likely not be able to provide all healthcare needs during a student’s time at Harvard. Many students need care that HUHS cannot or does not provide. These services can be expensive and health insurance offers a way to reduce such costs to more affordable amounts. The Student Health Insurance Plan, administered by Blue Cross Blue Shield of Massachusetts, provides coverage for emergency room visits, hospitalizations, diagnostic lab/radiology services, ambulatory surgery, specialty care outside HUHS, and prescription drug coverage. Benefit limits and cost sharing may apply. Visit HUSHP for details.

Students should also visit HUSHP for details on enrolling their dependents, enrolling in optional dental coverage, and waiving the Student Health Insurance Plan.

Non-Degree Health Insurance and Fees
Harvard University does not offer health insurance to non-degree students.

Health Insurance Coverage for Degree Candidates
November degree candidates may or may not be eligible for health insurance coverage through Harvard, depending on the date of completion of their degree requirements. Information about the deadline to attest to whether  November degree candidates want to retain the Student Health Insurance Plan will be updated in April 2024.  The complete Harvard University Student Health Program’s November Degree Policy website contains more information.

March degree candidates’ coverage will terminate on January 31.

Students graduating in November or March must consult the Harvard University Student Health Program website and contact Member Services by phone at 617-495-2008 or by email regarding the policy on health insurance coverage during the student’s final term and after graduation