Get Your
Harvard University
Health Plan
In Minutes
Waiver 100% Approved by Harvard University.
Maximum Waiver Saving: $3,069/year
$0 Deductible Options
90% Coinsurance Options
Waiver Deadline: Jul 31
School Health Center: Free+Reimburse
Why Harvard Trusts Student Medicover
Trusted by over 1,500 Universities and High Schools.
Low OOPM
Stay protected with out-of-pocket maximums from $5,000.
Direct Payment
Many medical providers bill us directly. Only pay your portion after your visit.
24/7 Assistance
Questions about finding a doctor or filing a claim? Our team is here to help anytime.
In-network Doctors Near Harvard
Disclaimer: The above data is based on the number of hospitals within 20 miles of the school’s main campus, data taken from May 2023, for reference only, specific information can be viewed by clicking the button below to enter the address yourself.
Affordable plan that covers everything
No confusing tiers. No exclusions for hereditary conditions. Just complete coverage.
What is covered?
Accidents & injuries
Illnesses & diseases
Emergency care
Surgery & hospitalization
Diagnostic tests
Prescription medications*
and more……
What is covered?
FREE
24×7 Customer Service
FREE
Online Doctor Visit
FREE
Claim Assistance
FREE
Mental Health Service
FREE
Vision Care*
and more……
*Benefit availability may vary by plan. Please refer to the Policy Certificate for full benefit details.
Insureds From
Serving Students At
Over
Common FAQs
Does Harvard University offer health insurance to its students?
Yes. All Harvard students are automatically enrolled in the Harvard University Student Health Program (HUSHP), which includes the Student Health Insurance Plan. This comprehensive plan provides medical, mental-health and prescription-drug coverage, but students with comparable insurance may waive it. Student Medicover provides alternative plans for international students that often cost less while still meeting Harvard’s waiver criteria.
Where is Harvard University located?
Harvard University is in Cambridge, Massachusetts. Harvard Yard—the oldest and most prominent part of the campus—is a 22-acre green space bounded by Massachusetts Avenue, Cambridge Street, Broadway and Quincy Street. Harvard’s campus traverses the Charles River from the heart of Cambridge into nearby Allston, and first-year students live and study around Harvard Yard. The university also operates a medical campus in Boston’s Longwood Medical Area.
When is the Harvard waiver deadline?
For the 2026 fall term, Harvard’s waiver application opens in the spring and must be submitted by July 31. Late waivers are accepted through September 30 but may incur a late fee. Waivers must be renewed each academic year, so be sure to complete the process before the deadline to avoid automatic enrollment.
What happens if I don’t waive Harvard’s insurance by the deadline?
If you miss the waiver deadline, Harvard will keep you enrolled in its Student Health Insurance Plan for the entire academic year and charge the full premium. Late waivers are only accepted until September 30 (with a fee), and no waivers are granted after that date. To avoid unwanted charges, make sure to complete your waiver before July 31.
Which hospitals near Harvard are in network with Student Medicover?
Student Medicover’s UnitedHealthcare Choice Plus network includes many Boston-area hospitals, such as:
- Massachusetts General Hospital – a major teaching hospital in Boston.
- Brigham and Women’s Hospital – a renowned hospital offering comprehensive medical services.
- Beth Israel Deaconess Medical Center – an academic medical center in Boston.
- Cambridge Hospital and Harvard University Health Services – local facilities near campus.
These hospitals appear on Harvard’s list of nearby hospitals and clinics and participate in UnitedHealthcare’s network, allowing Student Medicover members to access care conveniently.
What are the main differences between Student Medicover and Harvard’s health plan?
Harvard’s Student Health Insurance Plan offers extensive coverage through Harvard University Health Services and partner hospitals but is relatively expensive. Student Medicover provides comparable benefits at a lower cost and uses the UnitedHealthcare Choice Plus network, giving students access to providers nationwide. Student Medicover also includes telemedicine, mental-health counseling and vision benefits and allows more flexibility in choosing providers off campus.
Can I enroll my spouse or children with Student Medicover?
Yes. Student Medicover offers plans that allow you to add eligible dependents (spouse and children). You can select dependent coverage during the enrollment process, and premiums will vary based on the number of dependents and coverage level.
Can I continue seeing my current doctor?
Student Medicover plans use the UnitedHealthcare Choice Plus network. If your current doctor participates in this network, you can continue seeing them at in-network rates. If not, you may need to choose a new provider or pay out-of-network costs. Use the provider search tool on UnitedHealthcare’s website to check whether your doctor is in network.
How does Harvard’s insurance plan compare with Student Medicover?
Harvard’s plan offers extensive coverage through the university and local hospitals but tends to be expensive. Student Medicover plans are designed for international students and typically provide lower premiums with comparable benefits. They use the UnitedHealthcare Choice Plus network, giving students access to a broad network of doctors nationwide. Student Medicover also includes telemedicine, mental-health counseling and vision discounts, providing flexibility beyond campus-based care.
Do I need to waive Harvard’s health insurance if I want Student Medicover?
Yes. All students are automatically enrolled in Harvard’s Student Health Insurance Plan. If you have a comparable U.S.-based plan such as Student Medicover, you may waive Harvard’s plan through the Student Insurance Portal. Without an approved waiver, the university will keep you enrolled and charge the insurance premium.
How do I waive Harvard’s health insurance?
Harvard’s waiver is completed online. Log into the Student Insurance Portal using your Harvard Key, select Waive Coverage, choose Student Health Insurance Plan, and follow the prompts to enter your alternate insurance information. You may need to upload proof of coverage (front and back of your insurance ID card). If your insurance changes during the year, use the same portal to update your information. For questions, contact Member Services at 617-495-2008 or email [email protected].
Am I eligible for Student Medicover at Harvard?
Student Medicover plans are available to international students (F-1 and J-1) and others who need an affordable, comprehensive insurance option. If you are enrolled at Harvard and your Student Medicover plan meets Harvard’s waiver requirements (U.S.-based, comparable coverage and active for the full term), you can use it to waive Harvard’s health plan.
How do I know if my current insurance qualifies to waive Harvard’s plan?
To waive Harvard’s plan, your alternate insurance must be U.S.-based and provide comparable coverage for the entire term. It should include hospital, physician, mental-health and prescription benefits and cover services in Massachusetts. Student Medicover plans meet these requirements. You must keep your coverage active while you are enrolled at Harvard; if your coverage changes, you must update the waiver information promptly.
How do I get my Student Medicover insurance ID card?
After you enroll in Student Medicover, you will receive an email with instructions to set up an online account. From there, you can download your digital insurance ID card or request a physical card. Keep your card handy when you visit a doctor or pharmacy. If you have trouble accessing your card, contact Student Medicover support for help.
How do I file a claim with Student Medicover?
To file a claim, log into your Student Medicover account and submit the claim form along with itemized bills and receipts. Claims are processed by UnitedHealthcare, and reimbursements are typically issued within a few weeks. You can also call Student Medicover’s claims department for assistance with complex claims.
How can I contact Student Medicover for help?
For questions about enrollment, waivers or claims, contact Student Medicover’s customer service team at [email protected] or by calling 1-812-360-2313. Live chat and a help center are also available on the Student Medicover website.
How to Waive
Get Insurance Card
After enrolling in your plan, download your insurance card by visiting uhcsr.com.
Filling Waiver Form
Filling the waiver form according to the insurance card and submit it on school’s official website.
Verify Your Waiver
It generally takes 7-10 working days for school to verify the waiver. After the waiver is approved, the school will refund your insurance fee to your account.
