Benefit Changes Effective May 1^st, 2026

• Deductible: $2,000 in-network | $4,000 out-of-network
• Out-of-Pocket Maximum: $10,600 in-network | $21,200 out-of-network
• Physician Office Visit: $35 copay in-network (deductible waived)
• Urgent Care Visit: $75 copay in - and out-of-network (deductible waived)
• Emergency Room Visit: $200 copay in - and out-of-network (deductible waived)
• Lab / X-Ray / Imaging: $50 copay (deductible waived) | 20% co-insurance after deductible out-of-network
• Prescription Drugs: Specialty Medications: 50% coinsurance (deductible waived)

We understand that these changes may be significant for students who take specialty medications or who are preparing for surgery or hospitalization. However, our primary goal is to offer a cost‑effective health insurance program with quality benefits, and these adjustments were necessary to meet that goal. If you'd like to compare available coverage options, you can explore plans through the Massachusetts Health Connector.

To see a side-by-side comparison of the 2025-2026 plan benefits vs 2026-2027 plan benefits click HERE.

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