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Medical Insurance

2015–2016 Academic Year

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Contacts and Questions
Insurance Plan Benefits
PDF Resources



Contacts and Questions

Enrollment, Benefits, Replacement IDs
Gallagher Koster
500 Victory Road, Quincy, MA 02171

Claims and Claim Payments
Blue Cross Blue Shield

BCBS Preferred Providers (Massachusetts and Nationwide)
Blue Cross Blue Shield
Policy Number: 4956160

Participating Pharmacies

EyeMed Discount Vision Plan

Basix Dental Savings Plan

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All students enrolled in a degree program, regardless of credit hours, and non-degree students enrolled at least 75% of full-time will be automatically enrolled in and billed for the Student Health Insurance Plan.

Boston College will also automatically enroll and charge non-degree graduate and WCAS students registering at the credit levels listed below for the Student Health Insurance Plan. Failure to maintain these credit levels will result in the termination of the mandatory health insurance plan. Students are responsible for monitoring their eligibility status.

Eligible Credit Levels
Morrissey College of Arts and Sciences, Graduate—7 or more
Lynch School of Education, Graduate—7 or more
Carroll School of Management Graduate Programs—7 or more
Connell Graduate School of Nursing—7 or more
School of Social Work—7 or more
Woods College of Advancing Studies, Undergraduate—9 or more
Woods College of Advancing Studies, Graduate—7 or more
School of Theology and Ministry—7 or more

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

Students who are not citizens or permanent residents of the United States will be automatically enrolled in the Boston College plan regardless of the number of their credit hours.

Student Insurance Plan Premium Amounts
(Student premiums are charged to student accounts. Premiums for enrolled dependents are paid directly to Gallagher Koster.)

  First Semester
Second Semester
Student $1,190 $1,585
Spouse $2,751 $3,659
All children $2,150 $2,860
Spouse plus child(ren) $4,901 $6,519


Waiving the Student Health Insurance Plan:

Students who are enrolled in a health plan that is comparable to the Student Blue Plan may waive the BC coverage through the Agora Portal if they are at least 18 years old.  To provide proof of comparable coverage, a student will need to have information about his or her current health insurance plan readily available. Students under the age of 18 cannot file an electronic waiver. You and your parent or guardian must sign and submit a waiver form, which can be downloaded from

Incomplete waivers will not be processed. Waivers must be completed every year. All waivers must be submitted through the Agora Portal by September 25, 2015, for the entire academic year or by January 29, 2016, for the spring semester only. Students who do not complete a waiver prior to the deadline will automatically be enrolled in and charged the student-only premium for the Student Blue Plan.

Providing insurance information to other offices on campus (e.g., Athletics, Health Services) does not fulfill the waiver requirement. If a student does not complete a waiver with the Office of Student Services, either through the Agora Portal or on paper, prior to the deadline, he or she will automatically be enrolled in and charged for the Student Blue Plan.

Attention: International Students:

In order to insure international students are covered by a plan that provides coverage which meets or exceeds the Student Health Insurance Plan, international students are not eligible to waive BC’s Student Health Insurance Plan. If you are insured through a parent/guardian’s health insurance plan offered through a U.S. employer, or a government sponsored program, (for example Government of Kuwait/UAE or Government of Saudi Arabia) with coverage that meets or exceeds BC’s student health insurance plan you might be eligible to waive coverage. The waiver form for international students is available at

Qualifying Student Health Insurance Program (SHIP)
Students are eligible for the insurance plans offered through the Health Connector but should review these plans carefully, because they may have high deductibles.

ID Cards
All students will receive a new insurance ID card for the 2015-2016 year.  This will be sent to either the on-campus or local address that BC has on file for you. Please keep your local address up-to-date to ensure proper delivery.  Carry your insurance ID card at all times. Show it to any health care provider or pharmacy before receiving care or filling a prescription.

If you need to see a doctor before you receive your ID, tell the provider that you are covered by the Blue Cross Blue Shield Student Blue Plan offered through Boston College. You do not need your card in order to be eligible to receive benefits. Your provider can call Gallagher Student Health & Special Risk at 800-394-4026 to verify eligibility.

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Insurance Plan Benefits

Boston College is pleased to offer the Blue Cross Blue Shield Student Blue Plan as our student health insurance plan. Students will have access to the BCBS nationwide network of preferred providers and pharmacies and to other BCBS programs, such as fitness benefits reimbursement for designated weight loss programs, or "Living Healthy Naturally" — discounts on different types of complementary and alternative medicine services.

Blue Cross Blue Shield Student Blue Plan Coverage
The plan offers comprehensive benefits that include hospital room and board, inpatient and outpatient surgical procedures, lab work, x-rays, chemotherapy, radiation, inpatient and outpatient mental health, physician office and consultant visits, ambulance, and prescription drugs.

Refer to the summary of benefits (PDF) and the information available at for complete details about coverage, limitations and exclusions.

Referrals from University Health Services
A referral is not required with Blue Cross Blue Shield Student Blue Plan, but there are many benefits to first seeking care or advice from Boston College's University Health Services. Visit University Health Services' website for more information.

Coverage off Campus
If you paid the premium for the entire year, you will be covered from August 7, 2015, through August 6, 2016. Blue Cross Blue Shield Student Blue Plan provides the same benefits for students while they are on campus or on semester breaks, summer vacation, or study or travel abroad.

While studying or traveling abroad, keep your identification card with you and take a copy of the brochure for reference. When outside the United States, you will likely be asked to pay for your medical care first and then will need to seek reimbursement. Covered Expenses will be reimbursed on a Non-Network basis. When you submit claims for reimbursement, you will need to have the itemized bill(s) translated into English and include a letter informing the claims administrator that you are seeking reimbursement for charges previously paid. Be sure to include your name, ID number, address (to receive your reimbursement check), and the University's name on the bill.

On Call International can be reached toll free from the United States or Canada at 800-850-4556, or visit

Coverage after Graduation
Boston College students insured by BlueCross BlueShield can enroll in BlueCross BlueShield's direct non-group plan after their coverage ends through Boston College's program. The number at BlueCross BlueShield is 800-422-3545 to enroll.

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PDF Resources

BlueCard Brochure (PDF)
Mail Service Pharmacy Benefit Brochure (PDF)
Fitness Benefit Fact Sheet (PDF)
Weight Loss Benefit Fact Sheet (PDF)
ahealthyme Wellness Brochure (PDF)
Health Insurance Plan Subscriber Certificate (PDF)
Pediatric Dental Subscriber Certificate (PDF)

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