Boston University offers a range of health insurance options for its students. The Boston University Student Health Insurance Plan (SHIP) is available to most BU students at two plan levels: Student Basic and Student Plus. Additionally, BU offers dental care options through its Henry M. Goldman School of Dental Medicine, which provides state-of-the-art dental care through its teaching clinic and faculty practice. Students can also explore external options such as Delta Dental, which offers voluntary dental insurance plans for Massachusetts students. BU's Student Accounting Services provides resources to help students navigate these choices and make informed decisions about their health and dental insurance coverage.
Characteristics | Values |
---|---|
Dental Insurance Provider | Aetna Student Health |
Dental School | Henry M. Goldman School of Dental Medicine |
Dental Plan Options | BU Dental Health Center Plan, Dental Blue Freedom Plan, DeltaCare, Total Choice PPO Plan |
Enrollment | Automatic for full-time, three-quarter time, and international undergraduate and graduate students |
Waiver | Must be submitted each academic year |
What You'll Learn
Boston University's Henry M. Goldman School of Dental Medicine
GSDM offers state-of-the-art dental care through its teaching clinic and faculty practice, emphasising preventive and restorative dentistry. Experienced dentists, hygienists, and students provide a range of patient services at the Patient Treatment Centres. The school offers predoctoral and postdoctoral programs, including the DMD, a traditional four-year program, and a two-year Advanced Standing program for internationally trained dentists. Additionally, GSDM provides advanced certificates and degrees in various specialties.
Regarding student dental insurance enrollment, Boston University assesses a health insurance charge to all student accounts each fall semester. GSDM students can only enrol in the Aetna Student Health Plus Plan. However, students with comparable health coverage can file a Medical Insurance Waiver annually via the Student Link. This flexibility ensures that students can either opt for the offered insurance plan or choose to waive it if they already have adequate coverage.
The school's mission is to promote excellence in dental education, research, oral healthcare, and community service to improve global health. They strive to shape the future of dentistry by creating and disseminating new knowledge, adopting innovative technologies, and fostering critical thinking. This mission is supported by responsible financial policies and philanthropy, ensuring the accessibility and sustainability of their programs.
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Student Health Insurance Plan (SHIP)
Boston University offers a Student Health Insurance Plan (SHIP) to most of its students. This plan is offered through Aetna, a large national health insurer. BU automatically enrolls full-time, three-quarter-time, and international undergraduate and graduate students in SHIP. Distance Education students (online only) and part-time non-degree domestic students enrolled below 75% of full-time are not eligible for SHIP.
SHIP is available at two plan levels: Student Basic, an ACA Gold level plan, and Student Plus, an ACA Platinum level plan. The cost for enrollment in the 2024-2025 Annual Plan is $3,401 for Student Basic and $4,567 for Student Plus. The 2024-2025 Plan Year is August 15, 2024, through August 14, 2025.
Students who wish to compare the Student Basic and Student Plus plan features can visit the Student Health Services website and select "Plan Documents and Other Resources." SHIP is administered by Aetna Student Health, and a detailed description of the plan benefits, provisions, and exclusions can be found on the Aetna Student Health website.
Students who experience a significant life change event that directly affects their insurance coverage, resulting in a loss of comparable coverage, may request to enroll in SHIP after the open enrollment period has ended. Examples of significant life change events include the plan subscriber losing coverage due to a change in employment status or the student reaching the dependent age restriction on a family plan. To enroll after the open enrollment deadline, students must send a written request for insurance coverage along with acceptable proof of their involuntary loss of health insurance within 31 days from the date their previous coverage ended.
In addition to SHIP, BU offers two comprehensive dental plan options, both administered by Blue Cross Blue Shield of Massachusetts. With either plan, students can receive care at one of the Boston University Dental Health Centers. The first option is the BU Dental Health Center Plan, which requires students to receive their dental treatment from one of the BU Dental Health Centers. There is no coverage for care received outside of these centers, except for emergency dental treatment. The second option is the Dental Blue Freedom Plan, which allows students to receive dental care at BU Dental Health Centers, Blue Cross Blue Shield dental network providers, or from their own provider. Plan benefits vary based on where the student receives care.
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Dental plan options
Boston University offers two comprehensive dental plan options, both administered by Blue Cross Blue Shield of Massachusetts. The first is the BU Dental Health Center Plan, and the second is the Dental Blue Freedom Plan.
BU Dental Health Center Plan
If you join this plan, you must receive your dental treatment from one of the BU Dental Health Centers (930 Commonwealth Avenue or 100 East Newton Street). There is no coverage for care received outside of these centers, except for emergency dental treatment. No deductible applies in this plan and plan benefits vary based on the type of dental service. This plan offers a higher level of coverage at a lower cost when compared to the Dental Blue Freedom Plan.
Dental Blue Freedom Plan
This is a unique dental plan, designed especially for BU employees who may not be able to conveniently receive all their dental care at a BU Dental Health Center. When you need dental care, you have access to providers at the BU Dental Health Centers; Blue Cross Blue Shield dental network providers (look under Dental Blue PPO network); or you may choose your own provider. You decide where to receive treatment each time you need dental care. Plan benefits vary based on where you receive care.
Other Options
Boston University's Henry M. Goldman School of Dental Medicine offers state-of-the-art dental care through its teaching clinic and faculty practice. Emphasizing preventive and restorative dentistry, their experienced dentists, hygienists, and students provide a range of patient services at their Patient Treatment Centers.
Boston University also offers voluntary enrollment in the Aetna Student Health Dental Discount Program, Vital Savings on Dental.
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Dental insurance costs
Boston University does offer dental insurance enrollment for students. The Boston University Henry M. Goldman School of Dental Medicine offers a student discount program. Students can also enroll in the Aetna Student Health Dental Discount Program – Vital Savings on DentalSM.
Boston University automatically assesses a health insurance charge to all student accounts each fall semester. GSDM students may only enroll in the Aetna Student Health Plus Plan. Students with comparable health coverage may file a Medical Insurance Waiver via the Student Link. This waiver must be submitted each academic year.
The Uni-Care Dental Savings Program is another option for students. This program is a discount program, not a dental insurance plan. It is included with the student medical insurance plan.
Massachusetts law requires all students who are enrolled in at least 75% of a full-time curriculum (9 credits) to carry medical insurance. If you are required to pay out of pocket for health insurance, adjustments can be made to the cost of attendance after the fact.
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Dental care options
Boston University offers a range of dental care options for its students. BU's Henry M. Goldman School of Dental Medicine provides state-of-the-art dental care through its teaching clinic and faculty practice, with an emphasis on preventive and restorative dentistry.
In terms of dental insurance, BU offers two comprehensive dental plan options, administered by Blue Cross Blue Shield of Massachusetts:
Option 1: BU Dental Health Center Plan
This plan requires you to receive dental treatment from one of the BU Dental Health Centers (located at 930 Commonwealth Avenue or 100 East Newton Street). There is no coverage for care received outside of these centers, except for emergency dental treatment. This plan has no deductible, and the benefits vary based on the type of dental service provided. The BU Dental Health Center Plan offers a higher level of coverage at a lower cost compared to the Dental Blue Freedom Plan.
Option 2: Dental Blue Freedom Plan
The Dental Blue Freedom Plan is designed for BU students who may not be able to access the BU Dental Health Centers easily. This plan provides more flexibility, allowing you to choose from a wider network of providers, including Blue Cross Blue Shield dental network providers (Dental Blue PPO network) or selecting your own provider. The benefits of this plan vary based on where you receive care.
In addition to these comprehensive dental plans, BU also offers voluntary dental insurance plans through Aetna Student Health and Delta Dental. The Aetna Student Health plan includes Vital Savings on DentalSM, while Delta Dental offers two insurance plans: DeltaCare and Total Choice PPO. These plans are available to students on a voluntary basis and provide additional options for dental care at discounted rates.
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Frequently asked questions
Yes, Boston University offers two comprehensive dental plan options, both administered by Blue Cross Blue Shield of Massachusetts.
Option 1 is the BU Dental Health Center Plan, where you must receive your dental treatment from one of the BU Dental Health Centers. There is no coverage for care received outside of these centers, except for emergency dental treatment. Option 2 is the Dental Blue Freedom Plan, which is designed for BU employees who may not be able to receive all their dental care at a BU Dental Health Center.
The premium cost for each coverage option varies depending on the plan and the number of dependents. For example, the DeltaCare plan for a student with one dependent has a different cost than a student with two or more dependents.
You may enroll in these plans on a voluntary basis. For the BU dental plans, you can contact Boston University Human Resources for more information. For the Delta Dental plans, you can contact University Health Plans via email at info@univhealthplans.com or at 800-437-6448.
Yes, international students can enroll in dental insurance plans. Boston University automatically enrolls international undergraduate and graduate students in the Student Health Insurance Plan (SHIP).