Medical Insurance

Please check back later in June for the full benefits document for the policy beginning August 7, 2025.

The student health insurance plan for the 2025–2026 policy year, effective August 7, 2025, will continue to be provided by UnitedHealthcare underwritten by Harvard Pilgrim. For more details about coverage, please refer to the Summary of Benefits or contact UnitedHealth Care at 866-948-8472 or http://customerservice@uhcsr.com/bc. The network of providers can be found at UHC Options PPO - Harvard Pilgrim Joint Venture by visiting this website and selecting Find a Doctor.

2025–2026 Medical Insurance Information

Enrollment (2025–2026)

Massachusetts law and BC policy require students to have health insurance. All students listed below are automatically enrolled in and billed for the student health insurance plan unless they file a waiver:

  • Degree program students: Everyone enrolled in a degree program, regardless of credit hours
  • Non-U.S. citizens/Permanent residents
  • Non-degree students: If you’re taking courses that add up to at least 75% of a full-time schedule, you will be automatically enrolled. Students are responsible for monitoring their eligibility status. (For graduate students in the schools of Morrissey College of Arts and Sciences, Lynch School of Education and Human Development, Carroll School of Management, Connell Graduate School of Nursing, School of Social Work, Clough School of Theology and Ministry, and Woods College of Advancing Studies, 75% of full-time is 7 credits or more. For undergraduates in the Woods College of Advancing Studies, 75% of full-time is 9 credits or more.)

Graduate students (non-Law): Registration for classes triggers your insurance enrollment, and it takes 5–7 business days for your insurance to show as active in the carrier’s system. While the fall semester coverage begins on August 7 regardless of when you register, keep this timeframe in mind if you have health care providers who will need to verify your coverage with the insurance company. You should register for classes by mid-July if you need your insurance to show as active in the insurance system on August 7. This is also important if you plan to enroll dependents. (Law students’ insurance enrollment is triggered when your tuition charge is applied.)

Who is eligible to enroll? Students taking courses in a degree or certificate program, OR taking 75% of a full-time schedule for credit can enroll in the insurance.

Post-doctorate students are eligible to enroll on a voluntary basis.

Medical leave of absence: If you are enrolled in the insurance and take a medical leave of absence effective mid-semester, your coverage will remain active for the remainder of that semester. Coverage may be extended for the following semester with approval from Boston College. Enrollment is not automatic. Contact the Office of Student Services for specifics about eligibility and enrollment.

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Waivers (2025–2026)

Waiver forms can be found on the Forms tab.

While the deadline for fall and annual waivers is in September, we strongly recommend waiving the insurance by the end of July. Otherwise, you may have issues with overlapping policies once the BC plan begins August 7.

SemesterWaiver DeadlineInsurance Coverage Period
FallSeptember 19, 2025August 7, 2025–January 8, 2026
SpringJanuary 23, 2026January 9, 2026–August 6, 2026
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2025–2026 Forms

Waiver Forms

Domestic students: (U.S. citizens and permanent residents):

Domestic students over 18: Log in to your My Services account. Select Medical Insurance Waiver from the Account and Personal Info section. You will need your insurance policy information to complete a waiver.
Domestic students under 18: If you are under 18, your parent or guardian must sign your waiver form.

 

Students who are not U.S. citizens or permanent residents: Log in to your Gallagher student account using your BC credentials to access the waiver form.
Students in exclusively online degree programs: If you are enrolled online only and not visiting Massachusetts, complete this form. You must be logged in to your BC Gmail or Google account to access the form.

Enrollment Forms

Domestic students: (U.S. citizens and permanent residents):

Dependent enrollment: Enrollment will begin in July. Please check back later. Note for graduate (non-Law) students: You need to be enrolled in the insurance plan before your dependents can be enrolled. To make the dependent enrollment process as smooth as possible, you should register for classes as early as you are able, preferably by mid-July. (Law students’ enrollment is triggered automatically when your tuition is charged.)
Petition to cancel a previous waiver: You can cancel a prior waiver through your My Services account or complete this form.
Summer enrollment: Select the Summer Enrollment tab on the left.

Contact Information (2025–2026)

Questions about:Contact: 
Enrollment and waivers
BC Student Services

Click on the Forms tab to accessenrollment and waiver forms

800-294-0294

Email: studentservices@bc.edu

Plan benefits

Claims and payments

ID cards

UnitedHealthcare

866-948-8472

Email: BCStudent@uhcsr.com

http://customerservice@uhcsr.com/

Preferred providersUnitedHealthcare Choice Plus NetworkVisit the Gallagher website and select Find a Doctor

Enrollment verification letter

Dependent enrollment

Summer enrollment

Gallagher StudentHealth & Special Risk

500 Victory Road, Quincy, MA 02171

800-394-4026

GallagherStudent.com/BC

Tax formsUnitedHealthcare

866-948-8472

Email: BCStudent@uhcsr.com

http://customerservice@uhcsr.com/

General health insurance informationUnitedHealthcare

Visit https://www.uhcsr.com/video for quick tutorials on requesting ID cards, submitting claims, finding providers, and more.

Dental and Vision Information

Like most medical insurance plans, the student insurance has limited pediatric dental and vision benefits. Contact United directly for specific coverage information, and note that coverage may end on a specific birthday rather than at the end of the policy term.

Your student insurance includes discount (not insurance) plans for dental and vision.

Coast to Coast Vision Discount Plan: You are automatically enrolled in the Coast to Coast discount plan if you are enrolled in the student medical insurance plan. Note that this is a discount program, not a vision insurance plan. Please visit the Gallagher Student website or contact Gallagher at 800-252-3059 for more information.

Uni-Care Dental Savings Program: You are automatically enrolled in the Uni-Care discount plan if you are enrolled in the student medical insurance plan. Note that this is a discount program, not a dental insurance plan. Visit Gallagher Student website or contact Gallagher at 800-252-3059 for more information.

SilverCloud Behavioral Health: Your insurance includes access to SilverCloud, which offers online, self-guided programs to assist with mental health issues. SilverCloud is available on any device. Visit https://gsh.silvercloudhealth.com/signup/ for more information.

Summer Enrollment for New Students (2025–2026)

The academic year insurance coverage periods are fall (August 7, 2025–January 8, 2026) and spring (January 9, 2026–August 6, 2026). Students enrolled in the spring insurance will continue to be enrolled through August 6.

New graduate students who are starting their program during the summer term are eligible to enroll in the insurance for a summer period beginning May 10 and ending August 6.

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2024–2025 Medical Insurance Information

Enrollment (2024–2025)

All students listed below are automatically enrolled in and billed for the student health insurance plan:

  • Students enrolled in a degree program, regardless of credit hours
  • Students who are not citizens or permanent residents of the U.S.
  • Non-degree students enrolled at least 75% of full-time. Students are responsible for monitoring their eligibility status. (For graduate students in the schools of Morrissey College of Arts and Sciences, Lynch School of Education and Human Development, Carroll School of Management, Connell Graduate School of Nursing, School of Social Work, Clough School of Theology and Ministry, and Woods College of Advancing Studies, 75% of full-time is 7 credits or more. For undergraduates in the Woods College of Advancing Studies, 75% of full-time is 9 credits or more.)
     

Graduate students (non-Law): Registration for classes triggers your insurance enrollment, and it takes 5–7 business days for your insurance to show as active in the carrier’s system. While the fall semester coverage begins on August 7 regardless of when you register, keep this timeframe in mind if you have health care providers who will need to verify your coverage with the insurance company. You should register for classes by mid-July if you need your insurance to show as active in the insurance system on August 7. This is also important if you plan to enroll dependents.

Post-doctorate students are eligible to enroll on a voluntary basis.

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Waivers (2024–2025)

Waiver forms can be found on the Forms tab.

 

SemesterWaiver DeadlineInsurance Coverage Period
FallSeptember 20, 2024August 7, 2024–January 9, 2025
SpringJanuary 24, 2025January 10, 2025–August 6, 2025
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2024–2025 Forms

Spring 2025

Enrollment Forms

Petition to Add: Students with a qualifying event, such as loss of prior coverage, can enroll mid-term. Log in to your Gallagher student account and log in using your BC credentials. Select the "Enroll-Qualifying Life Event" button. 

For summer enrollment, select the Summer Enrollment tab on the left.

Contact Information (2024–2025)

Questions about:Contact: 
Enrollment and waivers
BC Student Services

Click on the Forms tab to accessenrollment and waiver forms

800-294-0294

Email: studentservices@bc.edu

Plan benefits

Claims and payments

ID cards

UnitedHealthcare

866-948-8472

Email: BCStudent@uhcsr.com

http://customerservice@uhcsr.com/

Preferred providersUnitedHealthcare Choice Plus NetworkVisit the Gallagher website and select Find a Doctor

Enrollment verification letter

Dependent enrollment

Summer enrollment

Gallagher StudentHealth & Special Risk

500 Victory Road, Quincy, MA 02171

800-394-4026

GallagherStudent.com/BC

Tax formsUnitedHealthcare

866-948-8472

Email: BCStudent@uhcsr.com

http://customerservice@uhcsr.com/

General health insurance informationUnitedHealthcare

Visit https://www.uhcsr.com/video for quick tutorials on requesting ID cards, submitting claims, finding providers, and more.

Dental and Vision Information

Like most medical insurance plans, the student insurance has limited pediatric dental and vision benefits. See United’s coverage information for details. Your student insurance includes discount (not insurance) plans for dental and vision.

Coast to Coast Vision Discount Plan: You are automatically enrolled in the Coast to Coast discount plan if you are enrolled in the student medical insurance plan. Note that this is a discount program, not a vision insurance plan. Please visit the Gallagher Student website or contact Gallagher at 800-252-3059 for more information.

Uni-Care Dental Savings Program: You are automatically enrolled in the Uni-Care discount plan if you are enrolled in the student medical insurance plan. Note that this is a discount program, not a dental insurance plan. Visit Gallagher Student website or contact Gallagher at 800-252-3059 for more information.

SilverCloud Behavioral Health: Your insurance includes access to SilverCloud, which offers online, self-guided programs to assist with mental health issues. SilverCloud is available on any device. Visit https://gsh.silvercloudhealth.com/signup/ for more information.

Summer Enrollment for New Students (2024–2025)

The academic year insurance coverage periods are fall (August 7, 2024–January 9, 2025) and spring (January 10, 2025–August 6, 2025). Students enrolled in the spring insurance will continue to be enrolled through August 6.

New graduate students who are starting their program during the summer term are eligible to enroll in the insurance for a summer period beginning May 10 and ending August 6.

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