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Bay Path University
STUDENT HEALTH INSURANCE PLAN

2026-2027 Academic Year

Health Insurance Requirement

Students enrolled in on-ground programs and registered for 7 or more graduate credits or 9 or more undergraduate credits are required to maintain health insurance and must:

  1. Enroll in the Student Health Insurance Plan (SHIP); or
  2. Waive the SHIP by the published deadline by providing documentation of comparable health insurance coverage that meets the waiver requirements.

Students enrolled in hybrid programs are charged for SHIP and must either enroll in the plan or submit a waiver by the published deadline. Online-only students are not charged for the insurance plan and are not required to waive.

Students enrolled in on-ground programs who are registered for fewer than 7 graduate credits or fewer than 9 undergraduate credits may request enrollment via the Voluntary Enrollment Form.

Premium and Coverage Periods

  Annual Students Newly Eligible Spring Students
 Coverage Dates August 25, 2026 - August 25, 2027 January 1, 2027 - August 24, 2027
 Undergraduate Cost $4,421 $1,610
 Graduate Cost $5,441 $2,758

 Waiver Deadline

September 15, 2026

 January 30, 2026

Students enrolled in the Cambridge College Student Health Insurance Plan insured by Wellfleet through August 31, 2026, will be enrolled in a prorated annual plan effective September 1, 2026 – August 24, 2027, and charged $4,347.40. 

Plan Highlights

The SHIP is insured by Blue Cross Blue Shield of Massachusetts and includes plan design changes for 2026-2027. Please view the plan documents in the menu. The plan is ACA-compliant and includes BCBS’s national PPO network. Please note: All ID cards for the 2026–2027 plan year will be digital only. Blue Cross Blue Shield of Massachusetts (BCBSMA) will not mail a physical ID card. Look up your BCBS MA Member ID in the menu and use that member ID to register for a MyBlue account. 

Waiver Process

Students covered by a US health insurance plan that is filed and approved in the US and fully compliant with the Affordable Care Act (ACA), that also provides comprehensive (non-emergency) health benefits near the student’s Bay Path campus, may request a waiver by the deadline noted above.

Plans that provide emergency-only coverage near the Bay Path campus do not qualify for a waiver. Eligible plans must provide comprehensive covered benefits, including:
  • Preventive and primary care services
  • Surgical services
  • Hospitalization
  • Ambulatory (outpatient) services
  • Mental health services
  • Prescription drug coverage

Standard MassHealth benefits meet the waiver requirements. MassHealth Limited, Health Safety Net, and Children's Medical Security Plan (CMSP) coverage alone do not meet the waiver requirements. Short-term medical plans, limited-benefit medical plans, health sharing plans, travel plans, international plans, plans from foreign health plans, and plans marketed only to international students do not meet the waiver requirements. 

Students in a hybrid program are charged and required to waive, but are not required to have comprehensive benefits near a Bay Path Campus if they have comprehensive coverage in the area in which they live. Online-only students are not charged for the insurance plan and are not required to waive.

Enrollment Process

Coverage for students required to have insurance is activated after you submit the enrollment form or after your deadline passes. If you plan to enroll in the plan, complete the enrollment form to confirm your coverage and access your insurance member information. Students who are not mandated to enroll in the plan must request enrollment by completing the voluntary student enrollment form. 

Eligibility and Termination 

Students must maintain eligibility for the first 31 days of the semester. Once eligibility requirements for annual SHIP coverage have been met, coverage remains in effect for the entire academic year, including the spring semester, regardless of enrollment status

Students may request termination of spring coverage if they:
  • Are not returning to Bay Path for the spring semester; or
  • Have enrolled in a new health insurance plan that meets the University's waiver requirements.

Dependent coverage is not available under SHIP.

Qualifying Event Enrollment

Students who waived the SHIP may be eligible for a Special Enrollment Period if they lose their other health insurance coverage. To enroll, select the Qualifying Life Event Enrollment Form from the menu and submit it, along with supporting documentation, within 60 days of the loss of coverage.

Student Health Plan

Optional Plans

Please note there are plan changes for 2026-2027 for Bay Path and former Cambridge College students.

For complete details, please refer to the plan documents. Below is a summary of the in-network benefits. The plan also includes out-of-network coverage, which is subject to higher member cost-sharing.

In-Network Benefit Summary

  • Annual Deductible: $500
  • Primary Care Physician (PCP) Office Visit: $25 copay, no deductible
  • Mental Health Therapy Visit: $25 copay, no deductible
  • Specialist Office Visit: $50 copay, no deductible
  • Urgent Care Visit: $50 copay, no deductible
  • Emergency Room: $250 copay, no deductible
  • Diagnostic Lab, X-ray, Imaging: deductible 20% member coinsurance
  • Day Surgery: deductible 20% member coinsurance
  • Inpatient Hospitalization: deductible 20% member coinsurance

Prescription Drugs (30 day retail supply)

  • Tier 1 - $15 copay
  • Tier 2 – 20% member coinsurance, no deductible
  • Tier 3 – 20% member coinsurance, no deductible
  • Tier 4 – 20% member coinsurance, no deductible
  • Tier 5 – 20% member coinsurance, no deductible

Important: Members who take high-cost specialty medications may experience higher out-of-pocket expenses under this plan and may wish to consider an alternative plan option.

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