![]() Online only students are not eligible for SHIP.ĭepending on your insurance, you may be able to waive SHIP if you have other coverage that meets ACA requirements. Students who are utilizing the Learn from Anywhere (LfA) platform to engage remotely in courses that would normally meet on campus are eligible for SHIP. Part-time students may be eligible for SHIP coverage but will need to enroll. Also, if you want to use an out-of-network provider, the plan will still pay benefits-but your costs will be higher.Īll full-time, three-quarter time, and all international students are automatically enrolled in SHIP coverage. Both options are part of Aetna’s nationwide Preferred Provider Network, so even if you’re home for the summer or away from campus and need healthcare, you’ll likely be able to find a nearby network provider. SHIP offers two coverage options: Basic and Plus. Students with SHIP can use this service for urgent primary care or behavioral medicine concerns whenever they arise. You also have access to Teladoc, an online health platform that provides 24/7 access to licensed doctors by phone or video. Search the Preferred Provider Network directory here. Many are affiliated with Boston University and are just a walk, bus ride, or few T stops away. You’ll find a wide network of participating providers in Boston. The plan has fixed coinsurance, but the amount you pay will vary. You may also pay a deductible and coinsurance for certain visits, procedures, and diagnostic tests like x-rays. For example, if you need to see a behavioral health provider, you will pay just a $10 copay for each visit-and you have unlimited sessions under SHIP. Copays keep your out-of-pocket costs predictable and manageable. If you need to see a doctor, fill a prescription, or go to the emergency room, you’ll pay a fixed dollar amount when you use a network provider. SHIP offers three key advantages that make it ideal for a college student who is likely to want high-quality healthcare in the Boston area while keeping out-of-pocket costs as low as possible.
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