Blue Cross Blue Shield coverage includes, but is not limited to:

Ambulatory Surgery Hospitalizations
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 at Harvard University Health Services is covered by the Student Health Fee.

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; then you pay a coinsurance once you meet your deductible. Your out-of-network provider may bill you for the difference between his/her charge for services and the amount that BCBS pays for those services. This is known 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 mservices@huhs.harvard.edu 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

When you are enrolled in the Student Health Insurance Plan and another health insurance carrier, the Student Health Insurance Plan is always a secondary payer. This means that all claims are processed first through your other insurance and then processed by the Student Health Insurance Plan. To avoid any claims issues, please 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. Prescriptions may be filled on campus at the HUHS Pharmacy or at most retail pharmacies. For copay/coinsurance information, please review the Prescription Drug Plan Summary.

WaivING

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 the Blue Cross Blue Shield website and select "Blue Care Elect (PPO/EPO)" from the drop down menu.