Insurance Requirements

Last updated Friday, January 12, 2024

The Student Health Insurance Plan for Babson College students is underwritten by Blue Cross Blue Shield MA and managed by University Health Plans.

Download the Blue Cross Blue Shield MA Summary of Benefits and Coverage (pdf) for additional information.

The Student Health Insurance Plan provides protection against expensive illness and accidents at a cost low enough so as not to constitute an undue burden. Massachusetts state law requires all students who are enrolled in nine or more credits each semester to show proof that they have health insurance coverage from a U.S. based company while they are attending college or university in Massachusetts.

Note that there is a pediatric essential dental benefit in the plan that includes a dental policy covering pediatric dental services as required under the federal Patient Protection and Affordable Care Act. This separate dental policy covers pediatric essential dental benefits for members until the end of the calendar month in which they turn age 19 as required by federal law. See Delta Dental Plan Options for Massachusetts Students for more information about optional dental insurance and enrollment.

To speak with a representative from University Health Plans, please call 833-251-1743.

Enrollment Information

To begin the health insurance enrollment process, students must log in to Workday and click on the “Finances” icon in Workday, then select “Enroll/Waive Health Insurance”.

For questions about insurance benefits, claims processing, and ID cards, please go to University Health Plans.

Massachusetts State Requirements

The company must have its headquarters in the United States; an office in the U.S. does not meet this requirement.

In order to waive participation in the Babson sponsored policy your insurance must meet all of the following requirements:

• The policy must have unlimited coverage per accident or injury.​
• Emergency room visits that do not result in an admission to the hospital must be covered.
• Mental health must be covered as any other illness or injury. This means that both in-patient and out-patient treatment must be covered.
• Injuries or illnesses that occur as a result of alcohol, illegal drugs or as the result of an attempt to commit suicide must be covered as any other illness or injury.
• Diagnosis and treatment of sexually transmitted diseases must be covered.
• There must be coverage for pre-existing conditions.
• The maximum yearly deductible can not exceed $250.00 per year.
• Must be portable to the State of Massachusetts.

The State further mandates that any student who cannot show proof of having qualifying health insurance from a U.S. based company must participate in an insurance program provided by their institution.

At Babson College, we offer Blue Cross Blue Shield PPO coverage which is managed by University Health Plans. This plan exceeds the state requirements and provides excellent health insurance coverage against illness and accidents.

Find out more about theBlue Cross Blue Shield MA Summary of Benefits and Coverage (pdf)

Students will be automatically billed the premium for the Babson Health Insurance plan unless they apply for a waiver based on a qualifying health plan that meets Massachusetts State requirements.

International Claim Filing

If not an emergency service, the member should contact Blue Cross Blue Shield Global Core to find a participating provider. This will help prevent the member from paying up front for inpatient services. For inpatient services, the member will not have to pay up front, but the provider will require a credit card for services that are performed that would not normally be a covered service or for the out-of-network coinsurance. The member will always be charged at the time of service for outpatient services and will have to submit to for reimbursement. For more information on the Blue Cross Blue Shield Worldwide Program and AIG Travel Assistance Services, check out the University Health Plans website.

Download the Blue Cross Blue Shield Global International Claim Form (pdf)

Waiver Information

Babson College students who have a U.S. company-based health insurance plan may elect to waive participation in the Babson College plan. If a student elects to waive the Babson insurance the student must certify that the plan meets the Massachusetts State requirements.

To submit a waiver form students must log in to Workday and click on the “Finances” icon in Workday, then select “Enroll/Waive Health Insurance”

Health Insurance for Dependents

Students seeking alternative insurance or insurance for dependents and/or spouses should visit University Health Plans. Click on Babson and follow the links for dependent insurance options.