Student Health Insurance

Important Information for the 2020-2021 Academic Year

Massachusetts state law requires students to have health insurance even if they are studying remotely. Because residency status will be changing each semester for many students, health insurance will be billed by the semester this year. The fall semester health insurance will be billed at the same time as other fall semester charges.

Students who have qualifying health insurance will need to waive each semester. Eligibility for the waiver may be different each semester depending on where the student is in residence. For example, living at home may make some health insurance plans eligible for the waiver when they would not be if the student were living on campus.

International students who are studying in their home country will not be required to be enrolled in the student health insurance this year.  Mount Holyoke will enroll you in the coverage and you will have an opportunity to waive it if you don't need it. We will be billing by semester this year and you will be required to waive for each semester if you have other coverage and you are at home.

Insurance Is Required

Massachusetts state law requires that all students have medical insurance. To meet its legal obligations, the College enrolls and bills all eligible students for the Mount Holyoke College Student Injury and Sickness Insurance Plan. This fee may be waived if the student's family insurance meets the Massachusetts state requirements and if the insurance is waived online by the waiver deadline. Note: State and federal health insurance plans (such as Medicaid) do not meet the requirements and cannot be used to waive the student health insurance plan.

Domestic students with need-based financial aid who do not waive the health insurance will be responsible for the health insurance premium in addition to the calculated family contribution. Students who waive the College's health insurance with a health insurance plan that is later found to inadequately cover medical costs will not be eligible to waive the health insurance in future years.

International students who are studying remotely in their home country will be allowed to waive the student health insurance.

International students who are studying on campus in the 2020-21 academic year are required to purchase the student medical insurance offered by Mount Holyoke College and may not waive the college health insurance online. This is because the short term, temporary medical insurance plans offered to international visitors are not "comparable plans" to the student medical insurance required per Massachusetts state regulations.  The only exception to this policy is for families who live in the United States long-term where 1) a parent is employed by a U.S. employer or an embassy and has employer-sponsored health insurance that is comparable to the student medical insurance offered at Mount Holyoke, and 2) the health insurance will cover the student for all routine care while the student is at college.  Students whose families live and work in the United States must petition Student Financial Services with information about their comparable health insurance policy before they will be cleared to waive online.

Mount Holyoke College Student Injury and Sickness Insurance Plan

2020/2021 Coverage Dates: Fall - August 15, 2020 to January 14, 2021 and Spring - January 15, 2021 - August 15, 2021

All eligible students are enrolled and billed for the Mount Holyoke College Student Injury and Sickness Insurance Plan.

  • The plan offers comprehensive benefits that include hospital room and board, inpatient and outpatient surgical procedures, labs, chemotherapy and radiation, inpatient and outpatient mental health services, physician office visits, consultant visits, ambulance and emergency care.
  • The maximum benefit allowed for each accident or sickness is unlimited.
  • Services provided by a participating network provider are generally covered at 100%, while services provided by a non-network provider are generally covered at 80%.
  • The PrePaid On-Campus Health Care coverage is included with enrollment in the Student Injury and Sickness plan
  • Please refer to the Brochures and Plan Documents for complete details about coverage, limitations, and exclusions.
  • For More Information About Health Insurance please read the information provided on the MHC Health Services website regarding the Student Health Insurance Plan.
  • If you are a student athlete, please see refer to our health services website for information about sports injury coverage.

If you have questions on any of the insurance policies described in this material, contact:
Gallagher Student Health & Special Risk
500 Victory Road, Quincy, MA 02171
Telephone: 800-433-7815 
Fax: 617-479-0860
Contact: Gallagher Student Health & Special Risk

Billing Information 2020-2021

  • If you are an eligible student and studying remotely you will be billed $920.00 on your fall tuition bill for coverage effective August 15, 2020 through January 14, 2021.
  • If you are an eligible student and studying on campus you will be billed $1,030.00 on your fall tuition bill for coverage effective August 15, 2020 through January 14, 2021. On campus student coverage includes the prepaid on campus coverage.
  • If you are a student newly enrolled for the spring 2021 semester and studying remotely, you will be billed $1,275 on your spring tuition bill for coverage effective January 15, 2021 through August 14, 2021.
  • If you are a student newly enrolled for the spring 2021 semester and studying on campus, you will be billed $1,385 on your spring tuition bill for coverage effective January 15, 2021 through August 14, 2021. On campus student coverage includes the prepaid on campus coverage.
  • If you waive coverage, the fees will be removed from your tuition bill.
  • If you waive coverage and elect the Pre-Paid On-Campus Health Care, you will be charged $110 for per semester.
  • If you are enrolled in the Student Injury and Sickness Insurance Plan and withdraw from the College within the first 31 days of the period for which the coverage is purchased (for any reason other than medical) your participation will be canceled, and you will receive a full refund. If you withdraw after the first 31 days of the coverage period, you will remain covered for the period for which premium was received, and no refund will be available. You may not cancel for any other reason.
  • Questions about billings should be emailed to Student Financial Services.

Insurance/Prescription ID Card

ID cards are available online through the MyBlue app in the App Store or Google Play. You'l need your BCBS ID number (not your Social Security number) to create your account. Your BCBS ID number is available by going to the Account Home section of our website.

ID cards will not be mailed for the 2019-2020 policy year. ID cards will only be available through the BCBS MyBlue App.

Other Insurance Information

Additional coverage that is available for purchase include:

  • Insured students can also enroll their eligible Dependent/Spouse on the Student Health Insurance Plan. See Student Financial Services for information.
  • The College provides Medical Evacuation/Repatriation insurance for all enrolled students traveling on College sponsored educational programs. 

Additional Information

Descriptions of coverages or services on this page is for informational purposes only. In the event of any conflict between this page and any other description of the services provided and any insurance policies, the actual insurance policy will control.