Harvard provides comprehensive health benefits and insurance programs that support you and your family. With our many options, you can find coverage that meets your needs at all stages of your life.
Open Enrollment 2020
Benefits Open Enrollment for 2020 was October 23-November 6, 2018 and is now closed. You will receive a confirmation statement mailed to your home in mid-November. Please review this statement and contact Harvard Benefits immediately if there are any errors.
Everyone enrolled in BCBSMA medical coverage will receive a new ID card in December. Although prescription coverage is not changing, those enrolled in BCBSMA will also receive a new Express Scripts card in December, which should be used to fill prescriptions beginning January 1, 2020.
If you enrolled in or changed your medical, dental, or vision care coverage during Open Enrollment, you will receive your plan ID card(s) in late December. If you elected an FSA for the first time in 2020, you will receive your Benefit Strategies debit card in December.
Summary of available coverage
Medical Harvard offers subsidized medical coverage from top-rated Harvard Pilgrim Health Care (HPHC) and Harvard University Group Health Plan (HUGHP).
Dental Harvard offers in-network and out-of-network dental coverage through Delta Dental.
Vision In addition to the vision benefits offered under our medical plans, Harvard offers a comprehensive vision care plan from Davis Vision.
Disability & Life Insurance Free basic life insurance and short term disability provide basic financial protection. You may purchase additional long term disability coverage and life insurance at competitive rates as well as dependent life insurance for spouses/domestic partners and eligible children.
- Retiree Health Retirees who meet eligibility requirements have a choice of health plans for themselves and eligible dependents.
Reimbursement Programs Harvard offers several reimbursement programs to provide additional financial protection for certain employees who have high out-of-pocket medical expenses in a given year.
- Flexible Spending and Health Savings Accounts Health Care and Dependent Care Flexible Spending Accounts enable you to pay for eligible expenses using pre-tax dollars, lowering your taxable income. A Health Savings Account is available to those covered by the high-deductible health plan.
To be eligible for Harvard’s health and welfare benefits, you must be employed in a benefits-eligible position on a regular University payroll and work at least 17.5 hours per week, or be paid at a base annual rate of at least $15,000. Eligibility requirements for represented employees may vary by union contract.
The following dependents are eligible for Harvard’s medical, dental and vision care plans under family coverage (the employee must be enrolled in the same plan):
spouse or registered domestic partner;
eligible children up to age 26, including children by birth, adoption, foster placement, marriage/domestic partnership, or legal guardianship;
- children of any age who are incapable of self-support due to disability (must have become disabled before age 26 and have been continuously covered).
For information on special eligibility situations, including domestic partners, COBRA and others, please refer to our Eligibility - Special Situations Overview.
Note: The benefits described here are a summary and every attempt has been made to ensure accuracy. The actual benefit plan provisions will govern if there is any inconsistency between the information on this website and Harvard’s formal plan documents.