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As a result, the premiums reflect a thoughtful analysis of the plan benefits, the increase in medical and prescription drug costs, and the benefit utilization by students and their dependents. This detailed analysis provides information on how to best align the plan’s benefits with the needs of the student population.Įxternal factors in the healthcare market, such as varying prescription drug pricing and shifting physician and hospital reimbursement rates, continue to impact both commercial health insurance plans and individual student health insurance plans. Harvard University Health Services conducts annual reviews of the Student Health Insurance Plan benefits, medical and prescription claims, and utilization of services. The plan is also competitively priced and provides a rich mix of benefits relative to peer institutions. The Student Health Insurance Plan provides a more comprehensive set of benefits, at a better price, than comparable unsubsidized plans available via the Massachusetts Health Connector. Harvard University Health Services is committed to offering robust health insurance coverage to Harvard students and their families. Understanding the Student Health Insurance Plan For copay/coinsurance information, please review the Prescription Drug Plan Summary. The Student Health Insurance Plan’s prescription drug coverage may be used at most retail pharmacies. Routine preventive medical care is covered at Harvard University Health Services by the Student Health Fee. Note: The Student Health Insurance Plan does not cover routine preventive medical exams for a member who is age 18 or older. Blue Cross Blue Shield coverage includes, but is not limited to: Ambulatory Surgery

Blue cross blue shield of massachusetts linkedin