College of the Holy Cross

2020-2021 Academic Year

The Commonwealth of Massachusetts requires that all students enrolled at least three quarter time must participate in the Student Health Insurance Program (SHIP) or be covered by a health benefit plan with comparable coverage.  Minimum benefit levels and services that are required by the SHIP are set forth in the Qualifying Student Health Insurance Program (QSHIP) regulation (  Click on “About”, Click on “Policy Center”.  And, finally, click on “Student Health Insurance Program.

If you are covered by your family’s insurance plan, we encourage you to compare the costs, coverage, and benefits of the student health insurance plan to those of your existing plan before making any decision about your health insurance.  Please consider the following in making your decision:

  • Out of state HMO/EPO plans provide minimal coverage for out-of-network services potentially leaving the member responsible for large medical bills.
  • Some plans only cover emergency care when out of the network.
  • Many plans do not cover referrals made by Health Services or only cover them after a high deductible or co-payment; the Student Health Insurance Plan can help cover those expenses.

The College has partnered with University Health Plans (UHP) and Blue Cross Blue Shield (BCBS) to provide student health insurance for the 2020 - 2021 academic year.  Insurance coverage is provided through BCBS with UHP providing administrative support for enrollment and customer service for insurance questions.

Please note:  Students studying 100% remotely outside of Massachusetts for the 2021 Spring semester due to the Covid-19 pandemic are permitted to waive coverage.   If you were studying remotely in the fall and will remain a remote learner, you will need to submit a Remote Waiver again for the Spring semester.  You must have comprehensive coverage in the area in which you are studying.  If your insurance plan does not provide comprehensive coverage in Massachusetts and you return to Massachusetts, it is your responsibility to enroll onto the College of the Holy Cross student health insurance plan by contacting the Bursar Office within 60 days from the date you return to campus.  Emergency only care is not sufficient while living in Massachusetts.

Insurance coverage for the 2021 Spring semester is from January 1, 2021, through July 24, 2021.  The cost for this policy is $1,453.00.  All students are billed for the SHIP to ensure compliance with the QSHIP law. Students with comparable coverage must complete a waiver no later than February 15, 2021, to have a credit equal to the cost of the insurance charge posted to their bill.  

If coverage is not waived by February 15, 2021, students will be enrolled in and billed for the Student Health Insurance Plan.  International students who are not studying remotely may not waive participation in the SHIP and should complete the enrollment form to expedite the processing of their enrollment. Students who do not have comparable coverage may expedite the processing of their enrollment in the SHIP by completing the enrollment form. This permits the College to facilitate your enrollment in the plan before the waiver deadline. If do you not complete this form, your information will be added to the insurance plan system after February 15, 2021.

In order for students to submit a Waiver of Health Insurance or to complete the Enrollment of Health Insurance, the student will need to access the University Health Plans web site via one of two methods:

Go to and select “College of the Holy Cross”, or
Go to and select “Health Vision, and Dental Insurance”.

A summary of the insurance benefits, directory of the provider network, and FAQs can be found on the University Health Plans website.  UHP is available to manage the enrollment and answer general questions about the insurance plan.  To speak with a representative, please call (800) 437-6448 or send an email to .  If you have specific questions regarding the benefits, please feel free to contact Blue Cross Blue Shield of Massachusetts at (888) 753-6615.  If you have questions about your tuition bill, please contact the Office of the Bursar, College of the Holy Cross, at (508) 793-2521.