UMass Chan Medical School
RETURNING STUDENTS
STUDENT HEALTH INSURANCE PLAN
2024-2025 Academic Year
Dear Students:
UMass Chan Medical School is committed to promoting good health and meeting the health care needs of our students. A health insurance plan is critical in providing peace of mind, knowing that students can receive the services they need in the event of a sickness or injury.
Massachusetts Law mandates that every student who is enrolled in a certificate, diploma, or degree-granting program carry adequate medical insurance to help cover the extra expenses of medical treatments. The UMass Chan Medical School Student Health Insurance Plan provides coverage to students for a 12 month period, September 1, 2024 to August 31, 2025. The start date may be earlier for the first year students. We urge you to consider enrolling in this plan because it is designed to be an affordable option. Students do not need to select a primary care provider or get referrals from a primary care provider to see a specialist.
Please note, with the rising costs of healthcare and increase in utilization of the Student Health Insurance Plan (SHIP), the following plan changes have been imposed for the 2024-2025 academic year to help keep the insurance premium and the plan a viable option for all students. The plan design is based on a replication of the 2023-2024 plan design with the below benefit changes.
- Change from HMO to EPO
- Change deductible from $0 referral/$250 self-referral to $500 individual/$1,000 family, not applicable to office visits
- Increase ER copay from $150 to $250
- Add $250 copay for high-cost imaging
- Add $500 copay for outpatient surgery
- Add $1,000 copay per hospital admission
- Add $200 ambulance copay
- Exclude lab and x-ray from deductible
ALL UMASS CHAN MEDICAL SCHOOL STUDENTS ARE REQUIRED TO EITHER ENROLL OR WAIVE THE STUDENT HEALTH INSURANCE PLAN. FAILURE TO WAIVE OR ENROLL WILL RESULT IN YOUR BEING RESPONSIBLE FOR THE INSURANCE PREMIUM.
All Students are required to complete the
Online Enrollment/Waiver Form
The ONLINE ENROLLMENT/WAIVER is the only
accepted process for making your insurance selection.
