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Health Insurance


Visit the University Health Plans Website for updated information on COVID-19 BCBSMA (SHIP) coverage.

Student Eligibility and Enrollment Information

Required Medical Insurance

Massachusetts State Law requires that all college students be enrolled in a health insurance program that meets required benefits established by the state.

All matriculating, undergraduate students, regardless of credit hours; and all matriculating, graduate students enrolled in nine or more credit hours are eligible and will be charged for health insurance.

Online Students

Online courses are not considered eligible credits. Students enrolled exclusively in online classes only are not eligible for this plan.

International Students

The University of Massachusetts Lowell requires that all international students must enroll in the university student health insurance plan. The university does not consider foreign insurance or travel insurance as comparable coverage to waive the university health insurance.

Please note that all students who withdraw from or drop all of their classes within the first 31 calendar days of the academic semester will not be allowed to be enrolled in the university student health insurance plan.

Student Health Insurance Plan (SHIP)

The University Of Massachusetts Lowell offers Blue Cross Blue Shield of Massachusetts - Blue Care Elect (PPO) as the student health insurance plan. The plan is administered by University Health Plans. For information about the student health plan, please view the University Health Plans website.

The insurance plan offered through the university is recommended because it covers students on or off campus, 24 hours a day, seven days a week, and is in effect for a full year. The coverage period is August 1, 2020 - July 31, 2021. The insurance fee for the 2020-2021 academic year is $1,901. Spring only is $1,124. View the BCBSMA Summary of Benefits (pdf).

Comparable Coverage

Health insurance is mandatory and is available through the university for those who are unable to prove they have equal or better coverage.

If you belong to any type of managed care plan (i.e. an HMO or PPO), or other private insurance; check to see if they will cover lab tests and prescriptions ordered by Student Health Services. Many will not so students must be prepared to pay for these themselves and then seek reimbursement from their insurer if that is allowable by the insurer. In addition, per Massachusetts General Law (956 CMR 8.00: Student Health Insurance Program) students living outside of their insurance coverage area while attending UMass Lowell may not waive participation in the School Insurance Plan if your insurance provider only provides coverage (with the exception of services for life threatening emergencies) through a closed network of providers that is not reasonably accessible.

Comparable coverage benefits, subject to change, include:

  • Comprehensive coverage of primary and preventative care, emergency services, surgical services, hospitalization benefits, ambulatory patients services and mental health benefits.
  • 50,000 maximum aggregate indemnity per illness or injury per year.
  • Coverage 24 hours a day, anywhere in the world for a 12-month period with some exclusions, co-payments and deductibles.

If you have comparable coverage under a parent's insurance plan or other major medical insurance plan; you can waive the student health plan. Note: You cannot waive the student health insurance plan with Mass Health Limited, Health Safety Net or Children's Medical Security Plan.

The policy must be a US health insurance plan that is filed and approved in the US. International insurance plans, travel insurance, and short-term limited duration plans are not accepted.

The policy must provide coverage for the entire academic year (August 1, 2020 -July 31, 2021) with no break in coverage. How to Waive/Enroll in Student Health Plan

Students who have comparable coverage, may select to waive the university student health insurance plan. The tentative date for Fall 2020 student billing is July 24. The waiver option will end on October 9, 2020 for the fall semester; and March 12, 2021 for the spring semester. Information on waiving or enrolling in the university health plan may be found at Student Financial Services - The Solution Center.

The waiver process is an official state-required process that is recorded for the state records in the Student Financial Services Office and is subject to audit. The health insurance charge will be removed from the student's account once the selection form has been validated. This procedure must be completed at the beginning of every school year in case a change in insurance coverage has been made.

Every matriculated student must complete the online Enrollment/Waiver process. All matriculating Graduate students carrying nine or more credit hours per semester are charged for the university health plan and must complete the online waiver process.

Beginning Fall 2020:
The MassHealth Premium Assistance (MHPA) Program will not be available through the University of Massachusetts Lowell for the 2020-2021 academic year. All students on BCBS SHIP-MHPA dual-enrollment will continue to have dual-enrollment benefits until the last day of coverage for the 2019-2020 plan year which ends on July 31, 2020. Then, MassHealth will become the primary insurance.

All BCBS SHIP-MHPA students will be notified by University Health Plans and the University of Massachusetts Lowell regarding important next steps prior to July 31, 2020 (the end of the program date). All students are expected to monitor mail or email communications and respond accordingly.

Student Health Insurance Contact Information

Questions about the health insurance charge or health insurance waiver should be directed to the Solution Center by phone: 978-934-2000 or email:

Questions about a health insurance claim should be directed to University Health Plans by phone: 800-437-6448 or email:

Specific benefits questions you have about receiving your insurance card should be directed to Blue Cross Blue Shield of Massachusetts Member Services by phone at 888-753-6615.

To request an insurance member ID, update your address, or ask general plan information, contact University Health Plans by phone 800-437-6448 or email:

Who To See for Medical or Mental Health Issues

If you have school insurance, you should be seen in the Wellness Center (978-934-6800) for any medical or mental health problem. Please note that there is a $150 deductible for an emergency room visit, if you are not admitted to the hospital.

Protecting Access to Confidential Healthcare (PATCH) Act

Your right to confidentiality and privacy are important to us. The Commonwealth of Massachusetts recently enacted new privacy protections to your health care information. Learn more about how the Protecting Access to Confidential Healthcare (PATCH) Act can impact you.