Blue Cross Blue Shield coverage includes, but is not limited to, the following services:
|Diagnostic Lab/Radiology Services||Maternity Care|
|Emergency Room Visits||Mental Health Care Outside HUHS|
|Obstetrics/Gynecology||Specialty Care Outside HUHS (Limited)|
Note: The Student Health Insurance Plan does not cover routine preventive exams for a member who is age 18 or older. Routine preventive care is covered under the Student Health Fee when services are received at Harvard University Health Services.
In-Network vs. Out-of-Network
In most cases, you receive the highest level of benefits when you choose a preferred provider in the Blue Care Elect/PPO network. These are called your “in-network” benefits.
You can also choose non-preferred providers, but your out-of-pocket costs are higher. These are called “out-of-network” benefits. For most out-of-network services, you must first pay a plan-year deductible; you will then need to pay a coinsurance once the deductible is met. Your out-of-network provider may bill you the difference between his/her charge for services and the amount that BCBS pays for those services. This is referred to as balance billing.
To find a preferred provider visit Blue Cross Blue Shield (select Blue Care Elect PPO/EPO as your plan's network) or contact Member Services at email@example.com or (617) 495-2008 for assistance. To locate a preferred provider out of state, please call Blue Card World Wide at (800) 810-2583.
Primary vs. Secondary Insurance
If you are enrolled in the Student Health Insurance Plan and another health insurance carrier, the Student Health Insurance Plan will always be considered a secondary payer. This means that all claims will first go through your other insurance and will then be processed by the Student Health Insurance Plan. In order to avoid any claims problems, it is important to notify your providers of both plans. Please contact BCBS Coordination of Benefits at (888) 799-1888 for more information.
Prescription Drug Coverage
The Student Health Insurance Plan’s prescription drug coverage is administered by Catamaran. Prescription drugs may be obtained on campus at the HUHS Pharmacy or at most retail pharmacies. For copay/coinsurance information, please review the Prescription Drug Plan Summary.
Students enrolled in a comparable health insurance plan may be eligible to waive the Student Health Insurance Plan. Waivers must be completed by the appropriate deadline or the charges will remain on your student bill.
Where to find medical care
You have access to “Blue Care Elect PPO” providers within the Blue Cross Blue Shield network. Limitations and exclusions apply, so it is important to familiarize yourself with the Student Health Insurance Plan benefits prior to seeking routine care. To make the most of your benefits, use a network provider when receiving care outside of HUHS. To locate a network provider, visit provider.bcbs.com and type “HVA” as your ID number prefix.