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.
Plan Change For 2022-2023: The out-of-pocket maximum will increase to $8,700 for combined medical and prescription expenses. The prescription drug copayments will change to a 5-Tier Plan: Tier 1: $10 copay, Tier 2: $20 copay, Tier 3: $30 copay, Tier 4: 30% coinsurance, Tier 5: 30% coinsurance. Use the Prescription Info link on the left to determine your medication's tier. Effective January 1st, the pharmacy information on your ID card will change, and BCBS will issue you a new card. More information about the pharmacy benefit manager is available HERE, and you can log in to access a digital copy of your ID card HERE.
Cost and Coverage Periods
|Annual Students||Newly Eligible Spring Students|
|Coverage Dates||August 1, 2022-July 31, 2023||January 1, 2023-July 31, 2023|
|Waiver Deadline||October 24, 2022||February 24, 2023|
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 to you 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 with and if not, consider enrolling in the student health insurance plan. The health insurance plans which CHS is currently contracted with includes:
Please contact our medical billing department at counseling and health services at 978-542-7299 with any 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 email@example.com.