Health Services

Health Insurance

Student Eligibility and Enrollment Information 

Required Medical Insurance

Massachusetts State Law requires that all college students be enrolled in a health insurance program that meets required benefits established by the state.

All matriculating, undergraduate students, regardless of credit hours; and all matriculating, graduate students enrolled in nine or more credit hours will be charged for health insurance.

Online Students -Online courses are not considered eligible credits. Students enrolled exclusively in online classes only are not eligible for this plan.

International Students - The University of Massachusetts Lowell requires that all international students must enroll in the university student health insurance plan. The university does not consider foreign insurance or travel insurance as comparable coverage to waive the university health insurance.

Please note that all students who withdraw from or drop all of their classes within the first 31 calendar days of the academic semester will not be allowed to be enrolled in the university student health insurance plan.

Student Health Insurance Plan (SHP)

The University Of Massachusetts Lowell offers Blue Cross Blue Shield of Massachusetts - Blue Care Elect (PPO) as the student health insurance plan. The plan is administered by University Health Plans. For information about the student health plan, please view

The insurance plan offered through the university is recommended because it covers students on or off campus, 24 hours a day, seven days a week, and is in effect for a full year. The coverage period is August 1, 2015 - July 31, 2016. The insurance fee for the 2015/2016 academic year is $1,310. Spring only is $779. View the BCBSMA Schedule of Benefits.

Comparable Coverage

Health insurance is mandatory and is available through the university for those who are unable to prove they have equal or better coverage.

If you belong to a managed care plan, or other private insurance; check to see if they will cover lab tests and prescriptions ordered by Student Health Services. Most will not, and students, often unable to leave school to go to their primary care provider, must pay themselves. In addition, if you will be living outside your insurance coverage area while attending UMass Lowell; Massachusetts law requires that you MUST either choose a primary care provider (PCP) in the Lowell area or enroll in the university's student insurance plan.

If you have comparable coverage under a parent's insurance plan or other major medical insurance plan; you can waive the student health plan. Note: You cannot waive the student health insurance plan with Mass Health Limited, Health Safety Net or Children's Medical Security Plan.

How to Waive/Enroll in Student Health Plan

Students who have comparable coverage, may select to waive the university student health insurance plan by going online to SiS after receiving their University bill and by deadline date of October 9, 2015 for the fall semester; and March 4, 2016 for the spring semester.

  • Log onto your SiS account
  • Go to the Finance and Financial Aid section
  • Select "Waive/Enroll Health Insurance Form" link
  • Complete and Submit

The waiver process is an official state-required process that is recorded for the state records in the Student Financial Services Office and is subject to audit. The health insurance charge will be removed from the student's account once the selection form has been validated. This procedure must be completed at the beginning of every school year in case a change in insurance coverage has been made.

Every matriculated student must complete the online Enrollment/Waiver process. All matriculating Graduate students carrying nine or more credit hours per semester are charged for the university health plan and must complete the online waiver process.

Student Health Insurance Coordinator and Contact Information

Office Hours: Monday, Wednesday and Friday: 9:00 a.m. - 4:30 p.m.

Contact Julie Varney, Insurance Coordinator for on campus assistance with questions regarding the university health plan at 978-934-4992 or email:

Questions about the health insurance charge or health insurance waiver should be directed to The Solution Center at 978-934-2000, or email:

Specific benefits questions you have about receiving your insurance card should be directed to Blue Cross Blue Shield of Massachusetts Member Services at 888-753-6615.

To request an insurance member ID, update your address, or ask general plan information, contact University Health Plans at 800-437-6448 or email:

Who To See for Medical or Mental Health Issues

If you have school insurance, you should be seen in the Wellness Center (978-934-6800) for any medical or mental health problem. Please note that there is a $150 deductible for an emergency room visit, if you are not admitted to the hospital.