Your graduation date will determine when your HUSHP coverage ends. It may take several weeks to complete the enrollment process for new coverage, so begin your search early.
- May graduates: Your HUSHP coverage ends on July 31.
- November graduates: Your HUSHP coverage ends depending upon the day you complete your degree requirements.
- March graduates: Your HUSHP coverage ends on January 31.
can i extend my coverage?
There is no extension of coverage/COBRA through HUSHP. If you do not have the option to enroll in health insurance through a relative or employer, you may explore these additional options.
The Connector offers Massachusetts individuals and families a wide range of health insurance options that are available without any pre-existing condition restrictions; however, time limits apply for securing coverage following the end of your Harvard student plan insurance.
Outside of Massachusetts
This U.S. Department of Health & Human Services site provides information on health insurance options by state; not all states have comprehensive health plans available without restrictions to new members. If you plan to move outside of Massachusetts, review the information on this website now, and plan accordingly based on your health care needs.
Please note that some states do not offer plans that cover pre-existing conditions like diabetes or pregnancy, so it is very important to plan ahead.
Required documentation when you apply for new coverage
You may need a “Certificate of Health Plan Coverage,” which will be mailed to you if you are enrolled in the Harvard Student Health Insurance Plan. You will receive two letters from BCBS:
- The first letter will arrive before your insurance end date and is a reminder that your insurance will be ending soon.
- The second letter is the “Certificate of Health Plan Coverage,” which will be mailed after your insurance end date. This certificate is proof of your prior insurance coverage. You may need this document when applying for coverage with a new health plan. Contact BCBS at 1 (800) 257-8141 if you do not receive this document.
If you are going to apply for other coverage prior to the end date of the Student Health Insurance Plan, Member Services can provide you with a coverage letter, which will facilitate your enrollment.
Ask the Right Questions
When considering a new plan, ask:
How much do I have to pay for care? Are there deductibles, copayments, and/or a coinsurance percentage?
Are there pre-existing conditions, limitations, or exclusions?
What are the specific exclusions/limitations of the policy?
Is there a maximum out-of-pocket cost?
What is the extent of the network in size and location?
Do I have coverage for preventive care?
Is there a prescription drug benefit?
Is there a mental health benefit?
Is there a limit to the number of inpatient hospital days I am allowed?
How do I access services?
How do I obtain specialty care?
Are referrals required for specialist visits?
Types of Health Insurance Plans To Consider:
Health Maintenance Organization (HMO)
An HMO is a type of managed care health plan consisting of a network of doctors and hospitals dedicated to providing high-quality, affordable health care. When enrolled in an HMO, a primary care physician (PCP) coordinates all of your care and refers you to network specialists when needed.
An indemnity plan is a type of health plan that allows you to choose any doctor of your choice; however, the plan only pays part of your medical bills. Your out-of-pocket costs will be higher than with a managed care plan, and you will likely be required to pay up front for services and then file for reimbursement.
A POS is a type of managed care health plan that provides the same level of coverage as an HMO plan, but affords members the opportunity for greater flexibility to seek care without a referral from a PCP and/or to seek care from a physician or hospital that does not participate in your plan’s network. You will have higher out-of-pocket costs when self-referring for care and/or when using out-of-network providers.
Preferred Provider Organization (PPO)
A PPO plan is a type of managed care health plan that allows you to see any doctor of your choice, offering both in-network and out-of-network coverage. Under a PPO plan, your out-of-pocket costs will be lower when using in-network providers.