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Medical Insurance

2014–2015 Academic Year

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Contacts and Questions
Insurance Plan Benefits



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
Graduate School of the Morrissey College of Arts and Sciences—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 $1,143 $1,498
Spouse $2,625 $3,464
Child(ren) Only $1,380 $1,821
Spouse plus Child(ren) $4,674 $6,169

Student Waiver Process
Students who do not want to be enrolled in the Student Health Insurance Plan can waive it by providing proof of comparable coverage. All waiver forms must be submitted by September 12, 2014, for the entire academic year or by January 23, 2015 for the spring semester only. Students who do not complete a waiver by the deadline will be charged for the student only premium and enrolled in the Student Blue Plan.

Waivers can be submitted electronically on the Agora Portal. Students under the age of 18 must complete a written waiver. The form must be signed by the student and a parent or guardian (if under the age of 18). Written waivers are available on the Student Services Forms web page.

Attention: International Students:

In order to insure international students are covered by a plan that provides coverage which meets or exceeds the 2014-2015 Student Health Insurance Plan, beginning with the 2014-2015 academic year, 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) or by an international organization/exchange program, (for example, IIE, FAO, Rockefeller) with coverage that meets or exceeds BC’s student health insurance plan you might be eligible to waive coverage.  Please contact Student Services at for more information.

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
If you are continuing on the Student Blue Plan from last year, your ID card is still valid. You will not be issued a new one.  If you are new to the Student Blue Plan, you will receive an insurance ID card at 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, 2014, through August 6, 2015. 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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