Wellesley College
STUDENT HEALTH INSURANCE PLAN

2022-2023 Academic Year


Per Massachusetts State Law, all students including Davis Scholars are required to enroll in the Wellesley College Student Health Insurance Plan or be covered by a health insurance plan with comparable coverage. To ensure compliance with Massachusetts law, Wellesley College students are automatically enrolled in and billed for the Student Health Insurance Plan. To read the details on this law, please click here.

Plan Highlights

The 2022-2023 Wellesley College Student Health Insurance Plan (SHIP) is provided by Blue Cross Blue Shield of Massachusetts. The plan is ACA compliant and includes access to Blue Cross Blue Shield's national PPO network of providers. Students do not have to select a primary care physician and referrals are not required. The SHIP includes the Hospital Choice Cost Sharing benefit feature where hospitals in Massachusetts are grouped into two different cost-sharing levels. When students receive hospital services, the amount they pay out-of-pocket is based on that hospital’s cost-sharing level. Information about the Hospital Choice Cost Sharing benefit can be found by clicking here.  For a list of high and low-cost-share hospitals, please click here.

With the rising costs of healthcare and increase in utilization of the Wellesley College student health plan, the following plan changes have been made to help keep the insurance premium and the plan a viable option for all students.

  • Office visit copays will be $25
  • The emergency room copay will be $150
  • The out-of-pocket maximum will be $8,700 (student) / $17,400 (family)

Wellesley has partnered with University Health Plans to administer the plan and help with waiver, enrollment, or benefit-related questions. University Health Plans can be reached at 833-251-1116 or info@univhealthplans.com.

Cost and Coverage Periods

  Annual Students New Spring Students
Coverage Dates 8/15/22 - 8/14/23 1/1/23 - 8/14/23
Insurance Cost $3,972 $2,483
Petition to Waive Deadline August 5, 2022

January 3, 2023


Waiver/Enrollment Process

If you are covered by a comprehensive health insurance plan you can opt-out of the Wellesley College SHIP by completing the waiver form, located in the left-hand side navigation menu. Before waiving, compare the cost, coverage, and benefits of the SHIP to your existing plan. Please consider the following:

  • Your plan must provide access to doctors, specialists, hospitals, labs, pharmacies, and mental health/behavioral health providers in Massachusetts, specifically the Wellesley College campus area without restriction or limitation. 
  • The policy must be a United States filed and approved,  ACA (Affordable Care Act) compliant plan. International and travel insurance plans and short-term limited duration plans are not accepted.
  • Out-of-state Medicaid and many out-of-state HMO or EPO plans do not provide out-of-network coverage. Urgent and/or emergency-only coverage does not meet the SHIP requirements. For your benefit, a comparison worksheet has been provided for you below. Please review and complete the comparison to confirm your plan’s coverage prior to submitting the waiver form.
     

Comparison Worksheet

If you do not submit a waiver form by the waiver deadline above, you will be enrolled in SHIP and responsible for the premium.
 

International Students

All international students will be automatically enrolled in the SHIP and do not need to take any action. You can access your health insurance membership information in the left-hand side navigation menu. International students can only waive if they are enrolled in a US filed and approved, ACA (Affordable Care Act) compliant plan that provides both emergency and non-emergency care in Massachusetts, specifically the Wellesley College campus area. 

Qualifying Event Enrollment Process

Students who waived the SHIP may qualify for special enrollment rights if they incur an involuntary loss of other coverage. To request an enrollment form and premium quote, contact University Health Plans at 833-251-1116 or info@univhealthplans.com

To enroll, you must submit an enrollment form, letter from your prior insurance company documenting your loss of coverage, and payment within 60 days of the qualifying event. If all items are received by the deadline coverage will be effective as of the first day without coverage under your prior plan. 


Waiver Form