If you already have a health insurance plan and want an idea whether it is comparable before completing the health plan waiver, review the checklist below.
Before you waive, compare your plan!
Health plan benefits can vary widely. Take a moment to compare your current plan to NUSHP’s benefits to determine which plan is best for you:
- No in-network deductible. NUSHP has a $0 in-network medical deductible, so coverage starts working right away.
- Low prescription costs. Generic, preferred brand, and non-preferred brand medications have low copays of $10/$20/$30 respectively.
- Nationwide coverage. NUSHP members are covered under Blue Cross Blue Shield. Members have full access to the broad provider network that BCBS offers.
- International coverage. NUSHP provides full coverage internationally, allowing students to study abroad, accept foreign co-ops, and travel stress-free.
- Lower cost-sharing on the services students use most. Office visits, specialists, and urgent care visits are a $25 copay, emergency room care is a $50 copay plus 10% coinsurance, and diagnostic tests and imaging are 10% coinsurance in-network.
- One fee for 12 months of coverage. The Health Plan Fee on the fall billing statement is the full cost of NUSHP coverage from September 1 to August 31.
Comparable benefit plans:
- Must provide coverage for a comprehensive set of services, including, but not limited to: preventative and primary care, doctor visits, hospital admissions, surgical services, emergency services, ambulatory patient services, mental health and substance abuse, prescription drug
- Must have coverage for all benefits, not limited to emergency coverage, in the area of the student’s campus
- Must have no annual or lifetime caps on the amount of money the insurer will pay for services
- Must be underwritten in the United States
- Must provide coverage for the entire duration of the school year that you were eligible for coverage
This is not an exhaustive list. Gallagher Student Health will assess all insurance policies to ensure that they are in compliance with Massachusetts law.