Insurance and Patient Billing

Primary insurance

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

Students taking five credits or more credits in an academic semester are automatically enrolled in, and charged for, the Student Health Benefit Plan (SHBP).

A waiver system is in place for students already covered under another insurance plan. The SHBP is an excellent option for students who need insurance. 

Graduate Student Health Fee  |  Insurance cards  |  Referrals  | Billing  |  Contracted carriers  | UHS cannot accept...

Graduate Student Health Fee

The mandatory Student Health Fee is NOT insurance.  This fee entitles students to be seen at UHS and supports an array of programs and services. The Student Health Fee is charged to graduate students enrolled in 5 or more credits. 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 can get their insurance card by going to the Wellfleet website and choosing the 'ID Cards" option from the menu at the top. Enter your student ID number (Example: 123456789) and your date of birth to obtain a printable version of your card.  Please note that you must print a copy of your new card prior to medical appointments and using pharmacy.  The pharmacy information has changed, therefore your old cards will not be sufficient.

Please note: If you use Walk-in Care and receive prescription medications 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 SHBP. More about referrals...

Patient billing

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. It is also your responsibility to contact your health insurance carrier to inquire about coverage at UHS.

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.

Pay your patient bill online: click here

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.

Contracted carriers

UHS works with many major medical carriers, including:

  • Aetna
  • Blue Cross/Blue Shield
  • Cigna
  • Empire NYSHIP (This coverage may result in large deductibles. Please check your contract.)
  • Fallon Select
  • Harvard Pilgrim
  • Health New England
  • Neighborhood Health Plan
  • Tufts
  • Unicare/GIC
  • United Healthcare
  • U.S. Family Health Plan

UHS cannot accept:

These also cannot be used to waive the Student Health Benefit Plan (SHBP)

  • Out-of-state Medicaid plans
  • Masshealth Limited
  • Health Safety Net
  • Children's Medical Security Plan
  • Emergency/hospital-only coverage plans
  • Closed network plans and Exclusive Provider Organization (EPO) plans

Non-student plans:

  • MassHealth
  • Fallon Direct
  • Harvard Pilgrim Primary Choice plan
  • Mass Health and Mass Health MCO plans (must apply for the SHBP)
  • Medicare
  • Tufts Spirit plan

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

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