Depending on the type of coverage your other insurance provides, you may not be adequately covered in Massachusetts. The checklist below is designed to help you make an informed decision about waiving the HUSHP Student Health Insurance Plan. It is your responsibility to review the benefits of your other insurance plan and determine whether the coverage it offers meets your needs.
Present this checklist to your other insurance plan, review these items, and ask about any specific limitations/exclusions you should be aware of while you are studying in Massachusetts or traveling.
|PART A: Massachusetts State Requirements for Coverage (Your alternative insurance plan must cover):||Included in your coverage?|
|1. Inpatient and outpatient medical/surgical care in the Boston/Cambridge area||YES_____ NO_____|
|2. Emergency Services||YES_____ NO_____|
|3. Mental health care (both inpatient and outpatient) in the Boston/Cambridge area (commonly-referred facilities include McLean Hospital, Faulkner Hospital, and Cambridge Hospital)||YES_____ NO_____|
|4. Ambulance services (minimum annual benefit of $1200 recommended for emergency and medically necessary transports)||YES_____ NO_____|
|5. Services reasonably accessible to the student in the area where the student attends school||YES_____ NO_____|
|If you answered NO to any of the questions in PART A, you are not eligible to waive the Student Health Insurance Plan.
|PART B: Your alternative insurance plan should also have the following services:||Included in your coverage?|
|1. A maximum benefit of at least $500,000 per year||YES_____ NO_____|
|2. Coverage for prescriptions||YES_____ NO_____|
|3. Coverage for labs/blood work (not covered by Student Health Fee)||YES_____ NO_____|
|4. Coverage for gynecological services (not covered by Student Health Fee)||YES_____ NO_____|
|5. Coverage for inpatient and/or outpatient care without a referral or authorization from your doctor or health plan at home||YES_____ NO_____|
|6. Coverage for injuries and/or illnesses resulting from substance abuse or drug addiction||YES_____ NO_____|
|7. Coverage for pre-existing conditions without a waiting period||YES_____ NO_____|
|8. Coverage for injuries resulting from the practice or play of intercollegiate athletics (if applicable)||
|9. Coverage for medically necessary services when traveling or away from home||YES_____ NO_____
|10. Out-of-pocket expenses (co-payments, coinsurance, deductibles or non-covered services) you can afford||YES_____ NO_____
|If you answered NO to any of the questions in PART B, you should consider not waiving the Student Health Insurance Plan.|
Contact the Customer Service department of your insurance plan for benefits questions and be sure to review the "exclusions section" of your benefit description for more details.
If you elect to waive the Student Health Insurance Plan, you will not be covered for any medical services normally covered under the Student Health Insurance Plan for the terms in which you elect to waive, and you can only reenroll during open enrollment periods or with a qualifying life changing event.