The 2026-2027 annual enrollment form is closed. The enrollment form for eligible 2027-2028 annual students will open in mid July.

All students charged for the 2026-2027 policy year have been automatically enrolled. You can use the ID Card Look Up tool on the left to access your member information and register for a BCBS Member account to download a digital ID card.

If you waived the SHIP, you may qualify for special enrollment rights if you previously waived the plan and recently lost your other coverage. Please contact the Student Navigation Center at NavCenter@SalemState.edu for enrollment information.

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Student Health Plan

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- Medication Look Up
- Prescription Claim Form
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Optional Plans

Voluntary Student Dental Plan
VSP Vision Care Plan
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Additional Information

Health Connector Participant Info
Insurance Info for Graduating Students and Dependents

Important Update: 2026-2027 Student Health Insurance Plan (SHIP)

Due to rising healthcare costs and increased use of the plan, the following updates have been made for the 2026-2027 academic year to help keep coverage affordable and sustainable for students.

Key Changes:

Plan type changing from PPO to EPO (Exclusive Provider Organization)
- No need to select a Primary Care Physician (PCP)
- No referrals required for specialists
- Students must use providers in-network
- Out-of-network services are not covered, except in emergencies
- To find an in-network provider, use the BCBS provider search and select "PPO or EPO"
Cost-sharing updates:
- Inpatient hospital care: coinsurance increases from 20% to 30% after deductible
- Outpatient surgery: coinsurance increases from 20% to 30% after deductible
Imaging services (CT/PET scans, MRIs):
- Now a $250 copay (replacing the previous 20% coinsurance after deductible)
Fitness and weight loss rewards have been discontinued

Additional consideration:

Students who expect higher out-of-pocket costs may want to compare other coverage options. The Massachusetts Health Connector offers an online marketplace where you can explore plans and see if you qualify for low or no-cost coverage.

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Please note, with the rising costs of healthcare, and increase in utilization of the Plan, the following plan change has been made for the 2025-2026 academic year to help keep the insurance premium and the plan a viable option for all students.

Deductible will be $2,000 (does not apply to in-network preventative care, office visits, ER visits, ambulance, lab work, x-ray, or prescription drugs).

If you are enrolling in the SHIP, be sure to familiarize yourself with the Plan prior to receiving services. For specific benefit or claims questions contact Blue Cross Blue Shield of Massachusetts at 1-888-753-6615.

We encourage students anticipating high out-of-pocket costs to compare other insurance options to the SHIP. The Massachusetts Health Connector offers information about their online insurance marketplace where you can compare and purchase insurance plans. You may be eligible for a Subsidized Health Plan (a low or no cost insurance program for qualifying uninsured adults).

Continue to the Summary of Benefits and Coverage

Deductible will be $2,000 (does not apply to in-network preventative care, office visits, ER visits, ambulance, lab work, x-ray, or prescription drugs).

Continue to the Plan Highlights

Salem State Qualifying Life Event

Students who waived the Student Health Insurance Plan (SHIP) and recently lost their other coverage or moved to the US can contact the Navigation Center at NavCenter@salemstate.edu or 978-542-8000 to request a qualifying event enrollment form. The deadline to complete the enrollment form is 60 days from the qualifying life event.

Students will be asked to provide supporting documentation and the prorated premium will be added to the tuition statement. The first day of coverage in the Salem State SHIP will be the first day without coverage under the prior plan or entry into the US.

Prescription Drug Search

Your plan uses the Blue Cross Blue Shield of Massachusetts Formulary — Focused

The Focused Formulary does not cover GLP-1 medications approved for weight loss, including but not limited to Saxenda, liraglutide, Wegovy, and Zepbound.

GLP-1 medications that are FDA-approved to treat diabetes will continue to be covered.

To search for medications, click HERE.

Step 1: Select the Blue Cross Blue Shield of Massachusetts Formulary.

Screenshot of form - step 1

Step 2: Search for your medication by name and select the 5-Tier Plan.

Screenshot of form - step 1

Contact Information

For waiver, enrollment, eligibility, general benefit questions or plan issues
contact University Health Plans at 833-251-1141.

For specific benefit or claims questions
contact Blue Cross Blue Shield at 888-753-6615.

For support and guidance for non-emergency situations
contact Blue Cross Blue Shield of Massachusetts' 24/7 Nurse Line at 888-247-2583.
Find more information about this service HERE.

Dental Insurance
(For Massachusetts Students Only)

Vision Insurance

Renters Insurance