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Salem State University

2023-2024 Academic Year

Student Health Insurance

Massachusetts state law requires that all students enrolled in at least 75 percent of their program’s full-time course load (9 or more credits for undergraduate students or 6.75 or more credits for most graduate students, however, some graduate programs are 75% at 6 credits or 4.75 credits) at an institution of higher learning in Massachusetts must participate in a Student Health Insurance Plan (SHIP) or a health insurance plan with comparable coverage. Massachusetts colleges and universities are required to sponsor a health plan for students who do not have health insurance. The Salem State University Student Health Plan is provided by Blue Cross Blue Shield and administered by University Health Plans. A charge is added to a student's account in the fall or spring term based on the criteria mentioned above. 

Cost and Coverage Periods

  Annual Students Newly Eligible Spring Students
 Coverage Dates August 1, 2023-July 31, 2024 January 1, 2024-July 31, 2024
 Premium  $3,779.00 $2,206.50
 Waiver/Enrollment Deadline September 29, 2023 February 2, 2024

IMPORTANT: To comply with state law, students registered for at least 75 percent of their program’s full-time course load MUST either waive out of or enroll in the insurance plan by the deadline above.  

Waive out of the Salem State University Student Health Plan. You will be asked to provide information on your insurance coverage. To be eligible to waive out of the plan, you must be currently enrolled in a health insurance plan with comparable coverage either as a dependent (on parent’s or spouse’s plan) or through a plan you have at your place of employment or have purchased yourself. Please Note: MassHealth Limited, Health Safety Net, and Children’s Medical Security Plan are not acceptable plans. Once information is provided, a credit will be reflected on your account within three business days as a waiver health insurance fee


Enroll online in the Salem State University Student Health Plan. By enrolling online, you confirm your acceptance of the plan, and your tuition bill will be charged accordingly.  You will be assigned a member ID number, and your name will be submitted to Blue Cross Blue Shield (BCBS) to be added to the doctor and pharmacy databases. An insurance card will be mailed within 10-11 business days. Completing the enrollment form before the deadline expedites your enrollment into the BCBS claims system.

Please Note: Salem State Counseling & Health Services (CHS) provides services to all students regardless of insurance, but some services (such as immunizations and labs) can only be billed to contracted health insurance plans and, as such,  can only be provided to students with a contracted insurance plan. If you plan to seek medical services at Salem State Counseling & Health Services, such as immunizations or labs, it is recommended that you have one of the health plans with which we are contracted, and if not, consider enrolling in the student health insurance plan. The health insurance plans which CHS is currently contracted with include:

    • Medicaid plans:
      • Boston Medical Center HealthNet Plan
      • Always Health Partner
    • Aetna
    • Blue Cross
    • Cigna
    • Harvard Pilgrim
    • Tufts Health
    • Tufts Navigator
    • United

Please contact our medical billing department at Counseling and Health Services at 978-542-7299 with further questions.

For questions regarding the waiver form, coverage, or why/how a decision was made regarding your waiver, please contact University Health Plans directly at 833-251-1141. For questions regarding your billing statement, please contact the Navigation Center at