The Plan is carried by Commercial Casualty Insurance Company and administered by University Health Plans. The per semester premium rates are listed below. The per semester premium rates are listed below. This plan is billed by the Institute on your semester tuition statement three times yearly (Fall, Spring and Summer Semesters).
The 2026-2027 rate for this plan will be $3,258 per semester. This rate will be billed for each semester (4 months of coverage) of enrollment in the plan.
Enrollment in this plan is allowed according to the following dates:
Summer Coverage Period: Must be enrolled by May 1. Runs May 1 - August 31.
Fall Coverage Period: Must be enrolled by September 1. Runs September 1 - December 31.
Spring Coverage Period: Must be enrolled by January 1. Runs January 1 - April 30.
NOTE: New enrollments will be allowed up until the 1st day of a coverage period. Policy cancelations will be allowed only at the end of a coverage period. There are no exceptions to these guidelines.
Plan Highlights
MGHIHP partners with University Health Plans to evaluate multiple plan options each year. While the plan required many benefit changes this year, key benefits include:
- Comprehensive coverage with low deductibles, copays, and co-insurance.
- Access to a national network of providers through Cigna’s PPO
- Ease of use with no primary care physician or referrals required
Benefit Changes Effective May 1st, 2026
- Deductible: $2,000 in-network | $4,000 out-of-network
- Out-of-Pocket Maximum: $10,600 in-network | $21,200 out-of-network
- Physician Office Visit: $35 copay in-network (deductible waived)
- Urgent Care Visit: $75 copay in - and out-of-network (deductible waived)
- Emergency Room Visit: $200 copay in - and out-of-network (deductible waived)
- Lab / X-Ray / Imaging: $50 copay (deductible waived) | 20% co-insurance after deductible out-of-network
- Prescription Drugs: Specialty Medications: 50% coinsurance (deductible waived)
We understand that these changes may be significant for students who take specialty medications or who are preparing for surgery or hospitalization. However, our primary goal is to offer a cost‑effective health insurance program with quality benefits, and these adjustments were necessary to meet that goal. If you’d like to compare available coverage options, you can explore plans through the Massachusetts Health Connector.
For detailed plan information and to enroll for this option, see University Health Plans, Inc.
University Health Plans also offers optional Dental, Vision, and Renters Insurance plans for students. Please visit the UHP website for more information about these plans.
University Health Plans, Inc.
Health Insurance Inquiries: MGHIHP Call Center: 833-251-1706
Specific benefit questions: Wellfleet: 877-657-5030
For all other contact requests please visit: https://www.universityhealthplans.com/contact/
