Salem State University

2018-2019 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 at an institution of higher learning in Massachusetts must participate in a Student Health Insurance Plan (SHIP) or in 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 term based on criteria mentioned above. The premium for the Annual 2018-2019 plan is $2,985 and the policy is in effect from August 1, 2018, through July 31, 2019. NEW spring students enrolling in the spring term will be charged based on the criteria above as well.

IMPORTANT: To comply with state law, all 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 September 28, 2018 for the annual term.

  • 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 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 to be added to the doctor and pharmacy databases. An insurance card will be mailed to you within 10-11 business days. 


  • MassHealth Premium Assistance for Student Health Insurance Plans: If you are covered by MassHealth (other than MassHealth Limited, Health Safety Net or Children’s Medical Security Plan) you are required to submit a MassHealth Premium Assistance (MHPA) Application which is part of the annual waiver form. To see if you are eligible for the MHPA program, select the Waiver Form link and follow the prompts. If you are approved you will be enrolled in the SHIP and have the premium paid by MassHealth Premium Assistance and the charge removed from your tuition bill. Additional information about this program is available in the navigation menu to the left. 

If you have any questions about health insurance waivers or billing, please contact the Student Navigation Center at 978.542.8000. For questions about the Salem State University Student Health Plan, please contact University Health Plans at 1.800.437.6448 or counseling and health services at 978.542.6410.