College of the Holy Cross Student Health Insurance Plan

<!doctype html> <html class="no-js" lang="en"> <head> <meta charset="utf-8"> <meta http-equiv="X-UA-Compatible" content="IE=edge"> <title>College of the Holy Cross Student Health Insurance Plan | University Health Plans, Inc.</title>  <link rel="stylesheet" href="/themes/2018/bootstrap/css/bootstrap.min.css?2024-09-23">   <link rel="stylesheet" href="/themes/2018/css/proxima-nova.css?20221128">  <link rel="stylesheet" href="/themes/2018/css/styles.css?2024-08-20"> <link rel="stylesheet" href="/themes/2018/css/legacy.css?2024-08-20"> <link rel="stylesheet" href="/themes/2013/plugins/fancybox/source/jquery.fancybox.css"> <link rel="stylesheet" href="/themes/2013/css/forms.css?2022-07-21"> <link rel="stylesheet" href="//ajax.googleapis.com/ajax/libs/jqueryui/1.11.4/themes/smoothness/jquery-ui.css" />    <script src="/themes/2018/js/vendor/modernizr-3.5.0.min.js"></script>  <script src="https://ajax.googleapis.com/ajax/libs/jquery/3.6.0/jquery.min.js"></script> <script>window.jQuery || document.write('<script src="/themes/2018/js/vendor/jquery-3.6.0.min.js"><\/script>')</script> <script src="https://code.jquery.com/jquery-migrate-3.4.0.js"></script> <script src="//ajax.googleapis.com/ajax/libs/jqueryui/1.11.4/jquery-ui.min.js"></script>  <script type="text/javascript" src="/themes/2013/plugins/fancybox/source/jquery.fancybox.pack.js"></script> <script src="/js/popup.js"></script> <script src="/themes/2018/js/plugins.js"></script> <script src="/themes/2018/js/script.js?2023-04-25"></script> <script src="/themes/2018/js/products.js?2021-05-21"></script>  <script src="/themes/2018/bootstrap/js/bootstrap.min.js"></script>     </head> <body> <a href="#main-content" class="visually-hidden--focusable">Skip to main content</a> <a href="#main-menu" class="visually-hidden--focusable">Skip to main menu</a> <div class="body"> <header class="header"> <div class="container"> <div id="header__logo"><a href="/"><img src="/themes/2018/img/logo.svg" alt="Risk Strategies - University Health Plans" height="83"></a></div> <div id="header__legacy-logo" style="display: none;"><a href="/"><img src="/themes/2018/img/legacy-logo.svg" alt="Risk Strategies - University Health Plans" height="83"></a></div> <nav class="header__menu"> <ul class="clearfix"> <li id="header__about-link"><a href="/about/">About Us</a></li> <li id="header__contact-link"><a href="/contact/">Contact Us / FAQs</a></li> <li id="header__news-link"><a href="/healthcare-news/">Healthcare News</a></li> <li id="header__products-link" class="expanded"><a href="/products/" class="btn btn-primary">Additional Products & Services</a> <div class="header__submenu container"> <div class="products__all-link"><a href="/products/" class="btn btn-secondary">View All Products & Services</a></div> <div class="products"> <div class="row">  <div class="products__col col-xs-8"> <div class="products__item"> <h3>Dental Insurance<div style="font: .5em ProximaNova-Light, 'Open Sans', Helvetica, Arial, sans-serif; line-height: 1.5em; letter-spacing: .5px;">(For Massachusetts Students Only)</div></h3> <p class="products__logo"><span class="logo-delta-dental"><img src="/themes/2018/img/delta-dental-logo@2x.png" alt="Delta Dental"></span></p> <p class="products__summary">Dental insurance plans for students attending Massachusetts colleges and universities and their dependents.</p> <p class="products__more-link" style="text-align: right;"><a href="/letters/letter.cgi?group_id=161">Learn More <span class="glyphicon glyphicon-chevron-right"></span></a></p> </div> </div>  <div class="products__col col-xs-8"> <div class="products__item"> <h3>Vision Insurance</h3> <p class="products__logo"><span class="logo-vsp"><img src="/themes/2018/img/vsp-logo@2x.png?27638274" alt="VSP"></span></p> <p class="products__summary">Vision insurance plan for students attending colleges and universities and their dependents.</p> <p class="products__more-link" style="text-align: right;"><a href="/letters/letter.cgi?group_id=170">Learn More <span class="glyphicon glyphicon-chevron-right"></span></a></p> </div> </div>  <div class="products__col col-xs-8"> <div class="products__item"> <h3>Renters Insurance</h3> <div class="products__logo"><span class="logo-assurant"><img src="/themes/2018/img/assurant-logo@2x.png" alt="Assurant"></span></div> <div class="products__summary">Assurant offers a variety of coverage options to meet your lifestyle and is able to deliver proof of coverage straight to your landlord.</div> <div class="products__more-link" style="text-align: right;"><a href="https://assurantrenters.com?utm_source=dormdefense&utm_medium=uhp" target="_blank">Learn More <span class="glyphicon glyphicon-chevron-right"></span></a></div> </div> </div>         </div> </div> </div> </li> </ul> </nav> </div> </header>  <div class="page"> <div class="container"> <div class="row"> <div class="col-content col-xs-18 col-xs-push-6 col-lg-17 col-lg-push-7" id="main-content" tabindex="-1"> <div><h1 style="text-align: center;">College of the Holy Cross<br /> STUDENT HEALTH INSURANCE PLAN</h1> <h2 style="text-align: center;">2024-2025 Academic Year</h2> <p style="text-align: center;"><strong><u>Eligibility</u></strong></p> <p>The Commonwealth of Massachusetts requires that all students enrolled at least three-quarter-time must participate in the Student Health Insurance Program (SHIP) or be covered by a health benefit plan with comparable coverage.  Minimum benefit levels and services that are required by the SHIP are set forth in the <a href="https://www.mass.gov/doc/956-cmr-8-student-health-insurance-program/download">Qualifying Student Health Insurance Program (QSHIP) regulation</a>.</p> <p align="center"><strong><u>Plan Highlights</u></strong></p> <p>The 2024-2025 Student Health Insurance Plan (SHIP) is provided by <strong>Blue Cross Blue Shield of Massachusetts</strong>. The plan is ACA-compliant and includes access to Blue Cross Blue Shield's national PPO network of providers. Students do not have to select a primary care physician and referrals are not required. A summary of the plan benefits, find a doctor tool, and FAQs can be found in the navigation menu on the left-hand side of this page.</p> <p>The College has partnered with University Health Plans to administer the plan and assist with waiver, enrollment, or benefit-related questions. University Health Plans can be reached at 833-251-1732 or<em> </em><a href="mailto:info@univhealthplans.com">info@univhealthplans.com</a><em>. </em>If you have specific questions regarding the benefits, please contact Blue Cross Blue Shield of Massachusetts at <a href="tel:%28888%29%20753-6615" target="_blank">(888) 753-6615</a>.  If you have questions about your tuition bill, please contact the Office of the Bursar, College of the Holy Cross, at <a href="tel:%28508%29%20793-2521" target="_blank">(508) 793-2521</a>.</p> <p align="center"><strong><u>Cost and Coverage Periods</u></strong></p> <table align="center" border="1" cellpadding="1" cellspacing="1" style="width: 500px;"> <thead> <tr> <th scope="col"> </th> <th scope="col">Annual Students</th> <th scope="col">New Spring Students</th> </tr> </thead> <tbody> <tr> <td>Coverage Dates</td> <td style="text-align: center;">7/25/24 - 7/24/25</td> <td style="text-align: center;">1/1/25 - 7/24/25</td> </tr> <tr> <td>Insurance Cost</td> <td style="text-align: center;">$2,403</td> <td style="text-align: center;">$1,364</td> </tr> <tr> <td><strong>Waiver/Enrollment Deadline</strong></td> <td style="text-align: center;"><strong>August 15, 2024</strong></td> <td style="text-align: center;"><strong>February 15, 2025</strong></td> </tr> </tbody> </table> <p style="text-align: center;"><br /> <u><strong>Enrollment Process</strong></u></p> <p>Although students are automatically charged for the SHIP, students will not be automatically enrolled until after the deadline. Students needing coverage should submit the <strong>enrollment form</strong> located in the left-hand side navigation menu as soon as possible to avoid delays in accessing their health insurance benefits. </p> <p align="center"><strong><u>Waiver Process</u></strong></p> <p>If you are covered by a comprehensive health insurance plan you can opt out of the College of the Holy Cross SHIP by completing the <strong>waiver form, </strong>located in the left-hand side navigation menu. Before waiving, compare the cost, coverage, and benefits of the SHIP to your existing plan.  To waive, your plan must meet the below requirements. </p> <ul> <li>Your plan must provide access to doctors, specialists, hospitals, labs, pharmacies, and mental health/behavioral health providers in the College of the Holy Cross campus area without restriction or limitation. <strong>Please note, </strong>if you are enrolled in an out-of-state Medicaid, HMO, or EPO your coverage may not be sufficient in Massachusetts. Many out-of-state plans do <strong>not</strong> provide comprehensive benefits outside of the home service area, and urgent or emergency-only coverage in Massachusetts is not sufficient and does not meet the SHIP waiver requirements. </li> <li>The policy must be filed and approved in the US and, ACA (Affordable Care Act) compliant. <em>International insurance plans, travel insurance, and short-term limited-duration plans are not accepted.</em></li> </ul> <p>If you do not submit a <strong>Waiver Form</strong> by the waiver deadline of <strong>February 15, 2024<strong>,</strong></strong> you will be enrolled and billed for the Student Health Insurance Plan (SHIP) and be responsible for the premium. </p> <p style="text-align: center;"><strong><u>International Students</u></strong></p> <p>All international students attending Holy Cross who are residing in the United States may not waive participation in the SHIP and should complete the enrollment form to expedite the process of their enrollment.</p> <p align="center"><strong><u>Qualifying Event Enrollment Process</u></strong></p> <p>Students who waived the SHIP may qualify for special enrollment rights if they incur an involuntary loss of other coverage. To request an enrollment form and premium quote, contact the Bursar’s Office at (508) 793-2521 or <a href="mailto:bursar@holycross.edu">bursar@holycross.edu</a>. </p> <p>To enroll, you must submit an enrollment form, a letter from your prior insurance company documenting your loss of coverage, and payment <strong>within 60 days of the qualifying event. </strong>If all items are received by the deadline, coverage will be effective as of the first day without coverage under your prior plan.</p> </div> </div> <div class="col-sidebar col-xs-6 col-xs-pull-18 col-lg-7 col-lg-pull-17">  <div class="sidebar__menu" id="main-menu" tabindex="-1"> <div class="sidebar__logo"><img src="/logos/HC1213.png" alt="College of the Holy Cross"></div> <ul> <li><a href="/letters/letter.cgi?group_id=256">Introduction</a></li> <li><a href="#menu-contact-info-256" class="lightbox-small">Contact Information</a></li> <li> <a href="https://home.bluecrossma.com/coronavirus" target="_blank">BCBSMA COVID-19 Updates</a>  </li> <li><a href="/faqs/faq.cgi?group_id=256">FAQs</a></li> </ul> <h2>Student Health Plan</h2> <ul> <li><a href="/secure/waiver.cgi?group_id=256">Waiver Form</a></li> <li><a href="/secure/enrollment.cgi?group_id=256">Enrollment Form</a></li>  <li><a href="/pdf/Holy-Cross-Qualifying-Event-Enrollment-Form.pdf">Qualifying Event <span class="no-wrap">Enrollment Form</span></a></li>  <li class="expanded"> <h3>Benefit Information</h3> <ul> <li><a href="/pdf/Holy-Cross-Benefits-Coverage-2425.pdf" target="_blank">24-25 Summary of Benefits <span class="no-wrap">and Coverage</span></a></li> <li><a href="/pdf/Holy-Cross-Benefits-Summary-2425.pdf" target="_blank">24-25 Plan Highlights</a></li> <li><a href="/pdf/Holy-Cross-Benefits-Coverage-2324.pdf" target="_blank">23-24 Summary of Benefits <span class="no-wrap">and Coverage</span></a></li> <li><a href="/pdf/Holy-Cross-Benefits-Summary-2324.pdf" target="_blank">23-24 Plan Highlights</a></li> <li><a href="/pdf/Holy-Cross-Subscriber-Certificate-2425.pdf" target="_blank">Subscriber Certificate (Policy)</a></li> <li><a href="/pdf/Holy-Cross-Pediatric-Dental-2425.pdf" target="_blank">Pediatric Dental (Policy) <span class="no-wrap">for members under 19</span></a></li> </ul> </li> <li class="expanded"> <h3>Blue Cross Blue Shield Info</h3> <ul> <li><a href="https://myblue.bluecrossma.com/" target="_blank">Member Central</a></li> <li><a href="http://www.ahealthyme.com/healthytimes/" target="_blank">Healthy Times</a></li> <li><a href="https://myblue.bluecrossma.com/tools-resources/find-care/nurse-phone-line" target="_blank">24-Hour Nurseline</a></li> <li><a href="/pdf/GlossaryMedicalTerms.pdf" target="_blank">Glossary of Insurance Terms</a></li> <li><a href="/pdf/BCBS_EstimateMedicalCosts-2014.pdf" target="_blank">Estimate Medical Costs</a></li> <li><a href="https://www.blue365deals.com/browse-all-deals" target="_blank">Blue 365</a></li> <li><a href="/pdf/FitnessBenefit.pdf" target="_blank">Fitness Benefit</a></li> <li><a href="/pdf/WeightLossBenefit.pdf?" target="_blank">Weight Loss Benefit</a></li> <li><a href="https://www.bluecrossma.org/myblue/your-health/mental-and-behavioral-health/mental-health-resource-center" target="_blank">Mental Health Resource Center</a></li> </ul> </li>  <li><a class="lightbox" data-fancybox-type="iframe" href="/custom/bcbs-find-provider.html" target="_blank">Provider Search</a> </li> <li><a href="/worldwide_coverage/HolyCross.html">Worldwide Providers &<br/> Travel Assistance</a></li> <li class="expanded"><h3>Prescription Info</h3> <ul>  <li><a href="https://home.bluecrossma.com/medication/" target="_blank">Medication Look Up</a></li> <li><a href="/brochures_pdf/RxClaimForm.pdf" target="_blank">Prescription Claim Form</a></li> </ul></li>  <li><a href="/secure/member_lookup.cgi?group_id=256">Insurance ID Card</a></li> <li><a href="/secure/request_address_update.cgi?group_id=256">Update Mailing Address</a></li> </ul> <div>  </div> <h2>Optional Plans</h2> <ul> <li><a href="/letters/letter.cgi?group_id=161">Massachusetts Delta Dental Plans</a></li> <li><a href="/letters/letter.cgi?group_id=170">VSP Vision Care Plan</a></li> <li><a href="https://assurantrenters.com?utm_source=dormdefense&utm_medium=uhp" target="_blank">Renters Insurance</a></li>  </ul> <h2>Additional Information</h2> <ul> <li><a href="/insurance_options/HolyCross.html" target="popup:width=750,height=600,resizable=yes,scrollbars=yes,menubar=yes:InsuranceOptions">Insurance Info for Graduating Students and Dependents</a></li> </ul> <div class="hidden"><div id="insurance-id-card" style="padding: 50px;"> <p>Electronic access to ID Cards is available 24/7 by creating an account with BCBS of MA online at <a href="https://www.bluecrossma.org" target="_blank">www.bluecrossma.org</a> or by downloading the <a href="https://myblue.bluecrossma.com/student" target="_blank">MYBLUE app</a> to your smart phone or device. To create your account you will need your Member ID number. Please contact University Health Plans at 800-437-6448 if you need your Member ID number.</p> <p>If you have specific questions about your claims or need help with the app or online portal you can contact BCBS Member Services at 888-753-6615.</p> <p>If you have questions about your eligibility or need to update your address or request a new ID card, please contact University Health Plans at 800-437-6448</p> </div> </div> <div><div class="hidden"> <div id="enrollment-plan-changes" style="padding: 20px;"> <p>The College of the Holy Cross Student Health Insurance Plan (SHIP) has experienced rising premiums due to the higher cost of healthcare and increased utilization of the plan. The 22-23 SHIP premium will be $2,993 and to keep the SHIP benefits and premium a viable option for students the following increases in cost share have been made:</p> <ul> <li>20% of the preferred allowance for in-network hospitalizations, emergency transportation, and durable medical equipment</li> <li>$100 copay for in-network high-tech imaging (CT/PET scans, MRIs)</li> <li>30% of the cost for specialty drugs</li> <li>$8,550 is the out-of-pocket maximum, the most you could pay during a policy period for your share of the costs of covered services. After you meet this limit, the plan will usually pay 100% of the allowed amount.</li> </ul> <p>Please note, the benefit changes for the Holy Cross 22-23 SHIP may significantly impact your out-of-pocket cost especially for prescription drugs. Students will continue to pay a $15 copay for generic drugs, $30 copay for preferred brand name drugs, and $50 copay for non-preferred brand name drugs, but will now be required to pay 30% of the cost for specialty drugs.</p> <p>Before enrolling, we encourage students to compare all other insurance options. The <a href="https://www.mahealthconnector.org/" target="_blank">Massachusetts Health Connector</a> offers information for Massachusetts residents about the online marketplace where you can compare and purchase insurance plans. You may be eligible for a Subsidized Health Plan, a low-or-no-cost insurance program for qualifying uninsured adults, through the marketplace.</p> <p/> <p class="text-center"><a href="/secure/enrollment.cgi?group_id=256" class="btn btn-primary btn-lg">I have read and acknowledge the above statements</a></p> </div> </div> <script> jQuery(function($){ $('#enrollment-form-link').fancybox({ maxWidth: 1000, maxHeight: 500, fitToView: false, width: '90%', height: '90%', autoSize: false, openEffect: 'none', closeEffect: 'none', title: '', modal: true }); }); </script></div> <div><div class="hidden"> <div id="qualifying-event-enrollment-process" style="padding: 20px;"> <h1 style="text-align: center;">Qualifying Event Enrollment Process</h1> <p>Students who waived the SHIP may qualify for special enrollment rights if they incur an involuntary loss of other coverage. To request an enrollment form and premium quote, contact the Bursar's Office at (508) 793-2521 or <a href="mailto:bursar@holycross.edu">bursar@holycross.edu</a>.</p> <p>To enroll, you must submit an enrollment form, a letter from your prior insurance company documenting your loss of coverage, and payment within 60 days of the qualifying event. If all items are received by the deadline, coverage will be effective as of the first day without coverage under your prior plan.</p> </div> </div> <script> jQuery(function($){ $('#qualifying-event-link').fancybox({ maxWidth: 1000, maxHeight: 500, fitToView: false, width: '90%', height: '90%', autoSize: false, openEffect: 'none', closeEffect: 'none', title: '', // modal: true }); }); </script></div> </div> <div class="hidden"><div id="menu-contact-info-256" style="padding: 20px"> <h1 style="text-align: center;">Contact Information</h1> <p>For <strong>waiver</strong>, <strong>enrollment</strong>, <strong>eligibility</strong>, <strong>general benefit questions</strong> or <strong>plan issues</strong><br /> contact University Health Plans at 833-251-1732.</p> <p>For <strong>specific benefit or claims questions</strong><br /> contact Blue Cross Blue Shield of Massachusetts at 888753-6615.</p> </div> </div>  </div> </div> </div> </div>  <footer class="footer"> <div class="container"> <div class="row"> <div class="footer__col">   </div> <div class="footer__col">  <div class="footer__broker"> <p>University Health Plans Broker License # 000123936000<br> William E. 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