Student Health Insurance Plan highlights:

  • OptumRx has participating pharmacies throughout the United States
  • Emergency room visits
  • Inpatient hospitalization (medically necessary)
  • Mental health visits*
  • Obstetrics/gynecology visits
  • Outpatient diagnostic/specialty visits*
  • Physical/occupational/therapy visits*
  • Surgery (medically necessary)
  • Urgent care*

*Visit limits apply

Prescription Drug Coverage

Prescription drug coverage is included in the Student Health Insurance Plan and is administered by OptumRx. You can fill or refill prescriptions at any OptumRx-participating pharmacy in the United States (up to a 30-day supply) by presenting your OptumRx card. Most major pharmacies are in the OptumRx network. Your copayment(s) and drug benefits do not change when you travel within the U.S.  Contact OptumRx at 844-265-1223 if you need assistance finding a participating pharmacy.


How to find a provider

  1. Visit the Blue Cross Blue Shield website
  2. Search for a provider by name, specialty, or location
  3. Select Blue Care Elect PPO/EPO from the network drop down (for in-network benefits) 

Please note that you will have higher out of pocket costs if you choose to see an out-of-network provider. Contact HUSHP Member Services at (617) 495-2008 or Blue Cross Blue Shield of Massachusetts at 1 (800) 257-8141 if you need assistance.

When patients receive ancillary services (such as labs or durable medical equipment) from an in-network provider, those services may be billed at the out-of-network benefit if the ordering provider and the provider rendering care are located in different states. View the handbook to learn more about how ancillary services are billed.

Frequently Asked Questions

Q: Do I need an insurance ID card when traveling?

A: Yes, you should always carry your insurance ID card with you. Contact HUSHP Member Services at (617) 495-2008 if you need a replacement card, it can take 10-14 business days for delivery.


Q: Is routine and non-routine care covered outside of Harvard University Health Services?

A: The Student Health Insurance Plan does not cover routine preventive exams for members who are age 18 or older. Routine preventive healthcare is covered at the Harvard University Health Services clinics by the Student Health Fee.  

Non-routine care is covered (limitations apply).  If you use in-network physicians, hospitals, and other health care providers you will have the lowest out-of-pocket costs.  View the HUSHP Handbook to learn more about your plan benefits, limitations, and exclusions.


Q: Is OB/GYN care covered outside of Massachusetts?

A: Routine and non-routine OB/GYN care is covered. If you use in-network physicians and hospitals you will have the lowest out-of-pocket costs. View the HUSHP Handbook to learn more about your plan benefits, limitations, and exclusions.


Q: Does the plan include coverage for medical care due to extreme sports injuries (e.g., mountain climbing)?

A: Yes, the Student Health Insurance Plan includes coverage for extreme sports injuries. View the HUSHP Handbook to learn more about your plan benefits, limitations, and exclusions.