Health Insurance

Healthcare in the United States may be quite different from healthcare in your country. In the U.S., healthcare is paid for on a fee for service basis. While the United States in general, and Boston in particular, have a global reputation for exceptional healthcare, that care can be very costly.

To assure that students in the colleges and universities throughout Massachusetts have access to healthcare and are protected against the potentially significant financial impact of an unexpected illness or accident, the Commonwealth of Massachusetts mandates that all students participating in at least 75% of a full-time courseload in a degree-seeking program must participate in their school’s student health plan, or in a health benefit program with comparable coverage that meets Qualifying Student Health Insurance Program (QSHIP) standards.

In accordance with Massachusetts regulations, you will automatically be enrolled in Northeastern University's health benefits program, NUSHP, each academic year. The cost of coverage will be included in your bill. You do have the option to waive this coverage, but only if you provide proof that you are covered by a plan with comparable health benefits that also meets Massachusetts' regulations.

Students studying in the United States may not waive insurance based on coverage through insurance carriers owned and operated outside the United States, nor with coverage through foreign National Health Service programs. Students sponsored by foreign embassies, agencies and organizations are not excluded from the requirement for U.S.-based health insurance.

J1 and J2 visa holders. In compliance with federal regulations, the Department of State requires J-1 Exchange Visitors and their J-2 dependents must have a health insurance policy that meets or exceeds these benefits:

1. Medical benefits of at least $100,000 per accident or illness;
2. In case of death, repatriation of remains in the amount of $25,000;
3. Expenses in the amount of $50,000 associated with the medical evacuation of the J Exchange Visitor to his or her home country;
4. A deductible amount not to exceed $500 per accident or illness.

For Northeastern paid J-1 scholars, Please be aware that Northeastern health plans do not cover evacuation and repatriation of remains insurance. Scholars eligible for and selecting a Northeastern plan must purchase evacuation and repatriation insurance separately

NUSHP is a healthcare program that offers comprehensive benefits to members throughout their studies here in Boston and wherever they travel, work, or study. NUSHP is also a benefits package that will give you the peace of mind that you are well-protected while far away from home.