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.

November Graduates The end date of your coverage depends upon the day you complete your degree requirements. Learn more.
March Graduates Coverage ends on January 31st
May Graduates Coverage ends on July 31st 
Take action and make sure to:
  • Update your mailing address to ensure you receive important information you may need to obtain other insurance coverage
  • Secure other health insurance coverage early to avoid having a break in coverage
  • Transfer medical records if needed
  • Fill prescriptions before you leave

If you are participating in the Student Health Insurance Plan (SHIP), familiarize yourself with the plan benefits, limitations, and exclusions before receiving care. Routine care is only covered at the Harvard University Health Services. View the HUSHP Handbook for details.

Update your adress

Be sure to update your mailing address with your school’s Registrar Office as soon as possible to ensure you receive all correspondence from HUSHP Member Services and Blue Cross Blue Shield of Massachusetts.

Secure other health insurance coverage

There is no option to extend your HUSHP coverage through COBRA after your termination date. It may take several weeks to complete the enrollment process for new coverage, so make sure to begin your search for other health insurance coverage early.

  • A certificate of coverage maybe required when enrolling in another health insurance plan.  You may need the Blue Cross Blue Shield of Massachusetts certificate of coverage letter as proof that you were enrolled in health insurance when enrolling in another insurance plan.

If you do not have the option to enroll in health insurance through a family member or employer, you should explore these additional options below:

In Massachusetts

Massachusetts Health Connector

  • The Health 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.
  • Before you get started, visit the Help Center for helpful information, view frequently asked questions, and find free, in-person help near you.
  • The Cambridge Economic Opportunity Committee (CEOC) offers assistance with finding and applying for health insurance. Contact them directly or visit their website for more information.

Cambridge Economic Opportunity Committee (CEOC)
11 Inman Street
Cambridge, MA 02139
(617) 868-2900
Languages spoken: Amharic, Farsi, Haitian Creole, Spanish

Outside of Massachusetts

HealthCare.gov

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.

blue cross blue shield of massachusetts certificate of coverage

If you are enrolled in the Harvard Student Health Insurance Plan, Blue Cross Blue Shield of Massachusetts will be mailing you two letters. Hold on to these letters; you may need them to secure another health insurance plan. They will also be mailing you a 1099-HC that you may need when filing your state taxes.

  • Reminder letter: Letting you know that your insurance coverage will be ending soon.
  • A certificate of health plan coverage:  Keep this certificate as proof that you had minimal essential coverage. You may need this when enrolling in a new health insurance plan. If you do not receive this letter by August 31, contact Blue Cross Blue Shield of Massachusetts directly at 800-257-8141 to request one.  If you are going to apply for other coverage prior to the termination date of the Student Health Insurance Plan, HUSHP Member Services can provide you with a coverage letter, which will facilitate your enrollment.
  • 1099-HC form: ​​​You will need the 1099-HC if you plan to file taxes in Massachusetts. Blue Cross Blue Shield of Massachusetts mails the 1099-HC to all subscribers by January 31 of the following year. 

Need to fill prescriptions

You can fill up to a 30 day supply of most prescriptions at any Express Scripts participating pharmacy throughout the United States. Your copayment(s) or drug benefits do not change.

Note: The Student Health Insurance Plan will not cover the cost of prescriptions beyond your plan end date.

If you are traveling abroad, you may request an override prior to your departure; however, the plan will not approve an override to cover prescriptions beyond the plan termination date.  The request will only be processed if you are eligible for a refill prior to your plan termination date. Lean more.

your medical records

If you received services at Harvard University Health Services and need a copy of your medical records, please contact Harvard University Health Services Health Information Services/ Medical Records at (617) 495-2055 or mrecords@huhs.harvard.edu.

eligibility to be seen at harvard university health services

You can continue to be seen at the Harvard University Health Services Clinic for up to 60 days after your coverage ends. You will be fully responsible for all costs incurred after your termination date, even if you schedule the appointment while you were covered. Please contact the Harvard University Health Services Registration Department at 617-495-5795 with additional questions.

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. 

Indemnity

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. 

Point-of-Service (POS)

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.