The 2022 – 2023 MA BCBS Student Blue Health Insurance Plan (Blue Care Elect Preferred PPO) is a comprehensive health insurance policy which fulfills state law requirements by providing coverage for:

  • routine office visits to the on-campus health clinic (Sturdy Health Primary Care – Norton/Sturdy Memorial Associates), Sturdy Memorial Hospital, other local providers in MA, and providers nationwide
  • diagnostic testing
  • lab services
  • prescription drugs
  • mental health services (inpatient and outpatient care)
  • emergency services/emergency transportation

Features of the MA BCBS Student Health Insurance plan offered through Wheaton include:

  • 12 months of coverage (no overall benefit max) from August 6, 2022, through August 5, 2023, for approximately $3,000
  • Coverage while traveling abroad
  • In-network and out-of-network coverage
  • $150 deductible/student combined in- and out-of-network providers
  • A $25 co-pay for most in-network visits (visits at the on-campus health clinic, Sturdy Health Primary Care – Norton, are free of charge)
  • Pharmacy benefit (four-tier coverage: $15, $30, $50, $75)

For more information on the 2021 – 2022 MA BCBS Student Health Insurance Plan, please refer to the following:

2021-2022 Wheaton College Student Health Insurance Benefit Highlights (pdf)

2021-2022 Wheaton College Summary of Benefits and Coverage (pdf)

2022-2023 Wheaton College Student Health Insurance Plan Frequently Asked Questions (pdf)

How does your health insurance plan compare to the college-sponsored Blue Cross Blue Shield plan?
Download a health insurance 2022-2023 Plan Comparison Worksheet (pdf) to determine which plan may be best.

Additionally, a BCBS Voluntary Dental Plan is available for an additional monthly premium which is paid directly to BCBS.  Enrollment is voluntary and not required by the college or state law.

BCBS Dental Blue Program 1 brochure (pdf)

All students are automatically enrolled in the Student Health Insurance Plan offered by Wheaton College. If you determine that your personal health insurance plan provides comparable coverage (coverage that is equal to or more extensive than that listed in the first paragraph above) to the plan offered by Wheaton and you wish to waive the student health insurance plan offered by Wheaton, please visit Gallagher Student to submit an online waiver form. The on-line waiver process is operational beginning mid-July  (mid-December for second semester-only students).

If you decide to waive the insurance plan offered by Wheaton, please note that certain other health insurance plans, such as HMOs, out-of-state Medicaid, and several other out-of-state policies (e.g., Kaiser), do not provide comparable coverage. If you belong to such a plan, Massachusetts law requires that you participate in the health insurance plan offered by Wheaton or a comparable alternate plan.

Also, please be aware that you may only waive the health insurance plan offered by Wheaton if you are covered by a comparable health insurance plan with a US mailing address (based in the US). International students are required to purchase the Wheaton sponsored insurance plan, regardless of other coverage. This policy is to ensure access to medical care locally and nationally.