Student Health Insurance Plan

2023-2024 Policy Year

Dear Students:

MGHIHP is pleased to present you with information regarding the Student Health Insurance Plan (SHIP) for the 2023-2024 policy year. The Plan is underwritten by Wellfleet Insurance Company and administered by University Health Plans. The per-semester premium rates are listed below.

  Summer Fall Spring
Coverage Dates 05/01/2023 - 08/31/2023 09/01/2023 - 12/31/2023 01/01/2024 - 04/30/2024
Insurance Cost $2,607 $2,607 $2,607
Waiver/Enrollment Deadline May 1, 2023 September 1, 2023 January 1, 2024

Please note that distance learning in response to COVID-19 does not change the Massachusetts State insurance requirement. You are still required to maintain adequate health insurance and will need to complete the online waiver form to have the charge removed from your student account. Insurance ID Cards can be downloaded by creating an account with Wellfleet Student via the link available on the left-hand side of this page.

Massachusetts Law C.15A, s. 18) requires that all students enrolled in at least 3/4 of a full-time course load at an institution of higher learning in Massachusetts must either provide proof of enrollment in a medical insurance plan that meets the Commonwealth mandated guidelines or be enrolled in a university-sponsored plan. (You may review the law online at; type QSHIP into the search box.) Furthermore, MGHIHP requires ALL students, regardless of course load, to have adequate health insurance coverage while attending the Institute.

To ensure compliance with Massachusetts law, all MGHIHP students, including those who take all courses online, are initially billed for the Student Health Insurance Plan (SHIP).​ All registered students must submit the online Waiver or Enrollment Form prior to the posted deadline each academic year. Failure to do so will result in your record being placed on hold. Students with records on hold are not allowed to register for subsequent semesters, grades and transcripts are held, and only limited access to your student record on IONLINE will be allowed.

MGHIHP works with an insurance broker to review several plan options each year at renewal to ensure the premium being charged for the student insurance plan is competitive.  In addition, MGHIHP feels that it is important to maintain a “platinum” level plan so that students are not responsible for unexpected out-of-pocket expenses such as deductibles, copays, and coinsurance. This high level of coverage comes at a cost that may seem expensive; however, if you compare the school offering to individual plans that are available through the state insurance marketplace, you will appreciate the value of the school plan. 


We recommend that you carefully consider the student health insurance plan underwritten by Wellfleet Insurance Company before making your decision. If you are covered by your family's or spouse's insurance plan, we encourage you to compare the costs, coverage, and benefits of the SHIP to those of your existing plan before making any decision about your health insurance. We believe that many students and/or parents will be pleasantly surprised to find that the cost of our plan may be considerably lower than that of other insurance options while providing more comprehensive coverage with lower out-of-pocket expenses.

Students who have other comparable health insurance coverage may waive out of the MGHIHP Student Health Insurance Plan by clicking on the "Waiver Form" link on the left side of this page. You will be asked to provide information on your current health insurance coverage. Note: Students who reside outside of Massachusetts and will complete ALL coursework online may decline the MGHIHP plan by submitting the Online Waiver Form; however insurance information will not be required.

Students who do not have comparable health insurance coverage may enroll in the MGHIHP Student Health Insurance Plan by clicking the "Enrollment Form" link on the left side of this page. By submitting the online enrollment form, you confirm your acceptance of the plan and expedite the processing of your insurance card. You may review the plan benefits by clicking on the "Brochure" link on the left of this page.

Please Note: All medical claims must be submitted directly to the following address: CIGNA, P.O. Box 188061, Chattanooga, TN 37422-8061 (Electronic Payer ID: 62308). Claims submitted directly to CHP will be denied and the student or provider will be asked to resubmit them to CIGNA. 

We appreciate your cooperation in complying with Massachusetts State Law and Institute policy regarding the student health insurance requirement. For questions about the MGHIHP Student Health Insurance Plan, please contact University Health Plans at 1-833-251-1706.