Insurance and Billing

Primary Insurance

Massachusetts requires full-time college students (five or more credits) to have primary health care insurance.

Students taking more than five credits in an academic semester are automatically enrolled in, and charged for, the Student Health Benefit Plan (SHBP). A hard waiver system is in place for students already covered under another insurance plan. The SHBP is an excellent option for students who need insurance. 

Student Health Fee  |  Insurance cards  |  Referrals  | Billing  |  Contracted health carriers

Student Health Fee

The Student Health Fee works together with primary insurance plans, entitling you to be seen at UHS and absorbing many costs not covered by primary health insurance; it is not health insurance
Depending on your student status, the Student Health Fee may be automatically added to your tuition bill, or you may need to come to UHS' Patient Services department to register. More...

Insurance Cards

If you waive the SHBP and remain on another plan, it is imperative that you have a copy of your insurance card. Many plans have separate prescription drug, eye care, flexible spending account (FSA) and/or health savings account (HSA) cards. You must have copies of all cards related to your plan. The backs of insurance cards are as important as the fronts – be sure you have copies of both sides.

Students who remain enrolled in the SHBP will receive an ID card after the add/drop period. If you need care before getting your card, go to the Consolidated Health Plans website and choose the 'Online ID' option from the menu on the left. Enter your student ID number, with an 'M' in front of it (Example: M123456789) and your date of birth to obtain a printable version of your card.

Please note: If you use Walk-in Care and receive prescription medications during times when the UHS Pharmacy is closed, bring your insurance card to the pharmacy on the next business day. The medications you received will be billed to your insurance plan. If you do not take this step, you'll be billed for the medications received.

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Patients insured by a health maintenance organization (HMO) or point-of-service (POS) plan requiring primary care provider (PCP) referrals must obtain one for care at UHS. To avoid the need to obtain a referral, consider switching your PCP designation to a UHS provider. Before coming to school, review your health insurance plan. If there are limitations, you may want to consider enrolling in the SHBPMore about referrals...


You are ultimately responsible for the cost of your care. If you don't provide us with current insurance information, bills will be sent to you.

Before your first visit, download and complete UHS' insurance information form. Return the completed form, along with photocopies of both sides of your insurance card, to UHS' Patient Services department. If you're insured under an HMO or POS plan,  also provide the name, address and telephone number of your primary care provider.

Received a bill and have questions? These FAQs may have the answers you need.

Questions about primary health insurance? Call Patient Accounts, (413) 577-5256.

Questions about the Student Health Fee? Call Patient Services, (413) 577-5192.

Contracted Carriers

UHS works with many major medical carriers, including:

  • Aetna
  • Blue Cross/Blue Shield
  • Cigna
  • Fallon Select
  • Harvard Pilgrim
  • Health New England
  • Tufts
  • Unicare/GIC
  • United Healthcare
  • U.S. Family Health Plan

UHS cannot accept (non-student plans):

  • Fallon Direct
  • Harvard Pilgrim Choice
  • Mass Health
  • Medicare
  • Tufts Spirit Plan

Contracts change frequently. For the latest information, call Patient Accounts, (413) 577-5256.

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