Medical Insurance
The student health insurance plan for the 2026鈥�2027 policy year, effective August 7, 2026, will continue to be provided by UnitedHealthcare underwritten by Harvard Pilgrim. For more details about coverage, please refer to the Summary of Benefits or contact UnitedHealth Care at 866-948-8472 or听.听The network of providers can be found at UHC Options PPO - Harvard Pilgrim Joint Venture by visiting 听and selecting Find a Doctor.
2026鈥�2027 Medical Insurance Information
Enrollment (2026鈥�2027)
Massachusetts law and 天美传媒app policy require students to have health insurance. All students listed below are automatically enrolled in and billed for the student health insurance plan unless they file a waiver:
- Degree program students: Everyone enrolled in a degree program, regardless of credit hours
- Non-U.S. citizens and non-Permanent residents
- Non-degree students: If you鈥檙e taking courses that add up to at least 75% of a full-time schedule, you will be automatically enrolled.听Students are responsible for monitoring their eligibility status. (For graduate students in the schools of Morrissey College of Arts and Sciences, Lynch School of Education and Human Development, Carroll School of Management, Connell Graduate School of Nursing, School of Social Work, Clough School of Theology and Ministry, and Woods College of Advancing Studies, 75% of full-time is 7 credits or more. For undergraduates in the Woods College of Advancing Studies, 75% of full-time is 9 credits or more.)
Graduate students (non-Law): Registration for classes triggers your insurance enrollment, and it takes 5鈥�7 business days for your insurance to show as active in the carrier鈥檚 system. While the fall semester coverage begins on August 7 regardless of when you register, keep this timeframe in mind if you have health care providers who will need to verify your coverage with the insurance company. You should register for classes by mid-July if you need your insurance to show as active in the insurance system on August 7.听This is also important if you plan to enroll dependents.听(Law students鈥� insurance enrollment is triggered when your tuition charge is applied.)
Who is eligible to enroll? Students taking courses in a degree or certificate program, OR taking 75% of a full-time schedule for credit can enroll in the insurance.
Post-doctorate students are eligible to enroll on a voluntary basis.
Medical leave of absence: If you are enrolled in the insurance and take a medical leave of absence effective mid-semester, your coverage will remain active for the remainder of that semester. Coverage may be extended for the following semester with approval from Boston College. Enrollment is not automatic. Contact the Office of Student Services for specifics about eligibility and enrollment.
Insured students have the option of enrolling their听eligible dependents听(a spouse or a child under the age of 26) using the enrollment form under the Forms tab. Dependents must be enrolled for the same time period as the student. For example, a student enrolled beginning in the fall semester cannot purchase dependent coverage starting in the spring unless there is a qualifying event; see the enrollment form for further details. Dependents enrolled for the fall must be re-enrolled for the spring, and you are responsible for enrolling and re-enrolling your eligible dependents each semester. The deadline to enroll dependents is September 25, 2026 for the fall semester and January 29, 2027 for students newly enrolling for the spring.听
Note to students: You need to be enrolled in the insurance plan in order to enroll dependents. To make the dependent enrollment process as smooth as possible, you should register for classes as early as you are able, preferably by mid-July.
| 听 | First Semester (8/7/26鈥�1/14/27) | Second Semester (1/15/27鈥�8/6/27) |
|---|---|---|
| Student | $2,083 | $2,640 |
| Spouse | $2,097 | $2,654 |
| One child | $2,097 | $2,654 |
| Two or more children | $4,179 | $5,293 |
| Spouse and two or more children | $6,261 | $7,932 |
(Amounts may include processing/admin fees.)
UnitedHealthcare Coverage
The plan offers comprehensive benefits that include hospital room and board, inpatient and outpatient surgical procedures, lab work, x-rays, chemotherapy, radiation, inpatient and outpatient mental health, physician office and consultant visits, ambulance, and prescription drugs.
You should refer to the benefits information and the information available at for complete details about coverage, limitations and exclusions.听Contact UnitedHealthcare directly for information about coverage and claims.
Dental coverage
Please be aware that medical insurance plans typically only cover pediatric dental coverage and do not offer other dental coverage. For more information about a dental discount plan, see the Contacts tab.
University Health Services
Please visit听University Health Services'听website for more information about campus health services.
Coverage Out of State and Abroad
UnitedHealthcare provides听coverage whether you are in Massachusetts, out of state, or abroad.听You should always contact UnitedHealth directly for specific information about coverage and claims.
When travelling, keep your insurance card with you. Outside the United States, you will likely be asked to pay for your medical care first and then will need to seek reimbursement. Covered expenses will be reimbursed on a non-network basis. When you submit claims for reimbursement, you may need to have the itemized bill(s) translated into English and include additional information. UHC Global can be reached toll-free from within the United States at 800-527-0218 or collect from outside of the United States at 410-543-6330, or email at assistance@UHCGlobal.com.
Students who initially waived the student plan and wish to enroll can opt back in by the waiver deadline. Directions to rescind waivers are on the Forms tab.
After the waiver deadline, a student may enroll in the student plan only for a qualifying event. Qualifying events include aging out of a parent鈥檚 policy at 26, marriage, birth of a child, or other loss of coverage from an existing policy. Complete the Petition to Add form, which will be available on the Forms tab.
Coverage for graduating students ends on January 14, 2027 (for fall graduates) or August 6, 2027 (for spring and summer graduates). There is not an option to extend the student plan. You can contact UnitedHealthcare about enrolling directly, or explore your options through your state insurance marketplace website. The site for the MA State Health Connector is .
Waivers (2026鈥�2027)
Waiver forms can be found on the Forms tab.
While the deadline for fall and annual waivers is in September,听we strongly recommend waiving the insurance by the end of July.听Otherwise, you may have issues with overlapping policies once the 天美传媒app plan begins August 7.
| Semester | Waiver Deadline | Insurance Coverage Period |
|---|---|---|
| Fall | September 25, 2026 | August 7, 2026鈥揓anuary 14, 2027 |
| Spring | January 29, 2027 | January 15, 2027鈥揂ugust 6, 2027 |
Students who are enrolled in a health plan that is comparable to the student plan may waive the 天美传媒app听coverage through the 听if they are at least 18 years old. Students under the age of 18听cannot file an electronic waiver; see the Forms tab for the under 18 waiver.听
Before waiving coverage, review your plan with the following in mind:
Please review your insurance carefully. If you waive coverage and find later that your insurance does not听cover a claim, you cannot enroll in the 天美传媒app plan later to have the claim covered. You would need to wait听until the next open enrollment period the following year.
Your plan should be compliant with the Affordable Care Act. It should include, but not be limited to, the听following:
- preventative and non-urgent care
- prescription drugs
- emergency care
- mental health and substance abuse treatment
- surgical care
- inpatient and outpatient hospitalization
- lab work and diagnostic x-ray
- physical therapy and chiropractic care
- immediate coverage for pre-existing conditions
- no annual maximum benefits
听
Your plan should cover these services in Massachusetts and near campus. It should not limit coverage听to your home state, or limit you to emergency services only while in Massachusetts.
Medicaid plans outside of Massachusetts are not eligible for a waiver because they limit what coverage is听available outside of your home state. MassHealth plans do qualify for a waiver, but the following MA听Medicaid plans do not qualify for a waiver: Children鈥檚 Medical Security Program, MassHealth Limited and听Health Safety Net. These plans do not qualify for a waiver due to their limited coverage.听
If you plan to travel in or outside of the U.S., your plan should cover you in those locations.
The state of Massachusetts does not permit waivers with socialized (foreign National Health Service听program) plans听or other worldwide plans that are not based out of the U.S.
Your plan should cover you for the full academic year.
Please note:
Incomplete waivers will not be processed. Waivers must be completed every year. All waivers must be听submitted by the deadlines above. Students who do not complete a waiver prior to the deadline will听automatically be enrolled in and charged for the UnitedHealthcare student plan.
Once the waiver is听submitted, the charge will be removed from the student account in one business day; students and听authorized payers can verify the adjustment by logging in to the 听("My Bill") and听viewing Current Activity on the View & Pay Accounts tab. Students are responsible for verifying that听their waiver was submitted correctly.
Providing insurance information to other offices on campus (e.g., Athletics, Health Services) does not听fulfill the Massachusetts waiver requirement. If a student does not complete a waiver with the Office of听Student Services, either through the 听or via a form on our Forms tab, prior to the deadline, they will听automatically be enrolled in and charged for the student insurance plan.
Your insurance must comply with Massachusetts state law for a waiver. If you reside internationally, your insurance is eligible for a waiver only in limited situations. The state does not allow waivers with international insurance plans, socialized or standard medical policies (including Canadian policies), travel insurance plans, short-term medical plans, or medical plans that are not based out of the U.S. You may be eligible for a waiver if you are insured through (1) your own or a parent/guardian/spouse鈥檚 health insurance plan offered through a U.S. employer or (2) certain government-sponsored programs such as the Government of Kuwait/UAE or Government of Saudi Arabia. MA Medicaid Plans such as Children鈥檚 Medical Security Program, MassHealth Limited, and Health Safety Net do not qualify for a waiver.
To file a waiver, see the Forms tab for the waiver for students who are not U.S. citizens or permanent residents.
Your insurance must be effective on or before August 7, 2026 (for fall and annual waivers) or January 15, 2027 (for spring waivers) to qualify for a waiver. For example, a policy beginning on September 1, 2026 does not听 cover your full time here and would not qualify for a fall or annual waiver.
ID Cards听& Your UnitedHealthcare Account听(2026鈥�2027)
Creating Your United Account
Follow the steps to create your UnitedHealthcare account and access your ID card once the plan begins on August 7. When prompted, use your 天美传媒app student ID and your 天美传媒app email in username@bc.edu format.
Students new to the plan: Your mobile-friendly online UnitedHealthcare account is the resource for
- Your ID card
- Viewing policy information and estimating the cost of care that you need
- Viewing claims statuses and details
- Seeing what is covered and what additional benefits are available to you
听
See the instructions above to create your account.
ID Cards
Once you鈥檝e created your online United Healthcare account, you can access your ID card once the policy is active on August 7 by logging in and selecting the ID Card tab.
If you are unable to access your ID card, check the date of the insurance charge on your bill. If you have recently registered, allow 5鈥�7 business days for your ID card to be viewable.听Graduate students听(non-Law):听Your insurance enrollment is activated by your registration for classes, so if you do not have an insurance charge on your 天美传媒app student account, you need to register for classes, and then allow 5鈥�7 business days for your ID card to be viewable.
Important note: When a health care provider is verifying your coverage, make sure that they use the United phone number on your ID card and our website. United has multiple divisions, so if a provider calls a different United number that they have in their files, they may not reach the student plan division and be told that you do not have coverage.
2026鈥�2027 Forms
Fall 2026
Waiver Forms
Domestic Students
| Students in exclusively online degree programs:听If you are enrolled online only and not visiting Massachusetts, complete听.听You must be logged in to your 天美传媒app Gmail or Google account to access the form. |
| Appeal to waive after deadline:听The fall waiver deadline was September 25. Multiple notices and bills are sent prior听to the deadline. Complete this form for consideration for an appeal for a late waiver. |
Spring 2027
Spring 2027 waivers will open in late October 2026.
Enrollment Forms
| Petition to Add/Qualifying Event: If you are losing prior coverage and need to enroll in the insurance mid-term due a 鈥渜ualifying event鈥� (ex. aging out of a parent鈥檚 plan at 26, loss of coverage due to job change, etc.),听complete this form. |
Contact Information (2026鈥�2027)
| Questions about: | Contact: | 听 |
|---|---|---|
| Enrollment and waivers | 天美传媒app Student Services | Click on the Forms tab to accessenrollment and waiver forms 800-294-0294 Email: studentservices@bc.edu |
Plan benefits Claims and payments ID cards | UnitedHealthcare | 866-948-8472 Email: 天美传媒appStudent@uhcsr.com
|
| Preferred provider network Participating pharmacies | UnitedHealthcare听Choice Plus Network UHC Pharmacy | Visit the and select 鈥淔ind a Doctor鈥� or 鈥淧harmacy Program鈥� |
Enrollment verification letter,听insurance termination letter Dependent enrollment Summer enrollment | Gallagher StudentHealth & Special Risk | 500 Victory Road, Quincy, MA 02171 800-394-4026 |
| Tax forms | UnitedHealthcare | 866-948-8472 Email: 天美传媒appStudent@uhcsr.com
|
| General health insurance information | UnitedHealthcare | Visit for quick tutorials on requesting ID cards, submitting claims, finding providers, and more. |
Dental and Vision Information
Dental coverage: Please be aware that medical insurance plans typically offer pediatric dental coverage and do not offer other dental coverage. If you have questions about pediatric coverage under United, contact United directly for specific coverage information, and note that coverage may end on a specific birthday rather than at the end of the policy term.
Gallagher Student Health provides discount听(not insurance) programs for dental and vision included with your student medical insurance enrollment. Contact information below:
Coast to Coast Vision Discount Plan:听You are automatically enrolled in the Coast to Coast discount plan if you are enrolled in the student medical insurance plan.听Note that this is a discount program, not a vision insurance plan. Please visit听听or contact Gallagher at 800-252-3059 for more information.
Uni-Care Dental Savings Program:听You are automatically enrolled in the Uni-Care discount plan if you are enrolled in the student medical insurance plan.听Note that this is a discount program, not a dental insurance plan. Visit听听for more information.
Guided Resources Behavioral Health:听Your enrollment includes access to Guided Resources, which offers online mental health resources. Visit听听for more information.
Summer Enrollment for New Students (2026鈥�2027)
The academic year insurance coverage periods are fall (August 7, 2026鈥揓anuary 14, 2027) and spring (January 15, 2026鈥揂ugust 6, 2027). Students enrolled in the spring 2026 insurance will continue to be enrolled through August 6.
New graduate students who are starting their program during the summer term are eligible to enroll in the insurance for a summer period beginning May 10 and ending August 6.
This is for new graduate students beginning classes in the summer who wish to enroll in the medical insurance before the fall start date of August 7. To enroll, log in to your听听using your 天美传媒app听username and password.听Select the 鈥淓nroll鈥� button under "2026鈥�2027 Boston College Student Health Insurance Plan - Summer"听and follow the听prompts. The summer premium is听$1,073 for enrollment from May 10 to August 6.听
Summer 2027 enrollment will open in May, 2027.听
Medical insurance is automatically charged for the fall and spring insurance periods. If you are beginning your program in the summer, you will not be automatically charged for summer insurance and do not need to file a waiver for the summer.
Please be sure to file a waiver for the fall and spring. These waivers are available by mid-June each year; please see the Forms tab.