University of Massachusetts - Amherst
Health Insurance

  • UMASS Health Insurance Information - PSI Plans are accepted as alternative options for waiver!
  • OPT Participants, or those waiting for OPT to start, are eligible for Explorer plans >> Click "Enroll Now" to see your options.
  • Spring waiver deadline is 02/212024.
  • Not an F1 or J1 Student? I'm a J1 Exchange Visitor Scholar

School Coverage Periods & Rates

ANNUAL 2023-2024
30-DAY RATE
PSI Royal 1500 Plan Health insurance

Royal 1500 Plan

  • Unlimited Maximum Benefits
  • 80% In-Network Coinsurance
  • Hospitalization, Inpatient Treatments
  • Preventive Care Services
  • Prescription Drugs $10/$20/$40 Copay
  • No limits on Pre-Ex Conditions for Students
  • Mental Health Benefits
  • Alcohol & Substance Abuse
  • Maternity Care Benefits
  • Out-of-Pocket Max $8,000/year
  • No Copays/Deductible at SHC
  • Medical Evacuation & Repatriation
PSI Royal 100 Plan Health insurance

Royal 100 Plan

  • Unlimited Maximum Benefits
  • 80% In-Network Coinsurance
  • Hospitalization, Inpatient Treatments
  • Preventive Care Services
  • Prescription Drugs $10/$20/$40 Copay
  • No limits on Pre-Ex Conditions for Students
  • Mental Health Benefits
  • Alcohol & Substance Abuse
  • Maternity Care Benefits
  • Out-of-Pocket Max $6,000/year
  • No Copays/Deductible at SHC
  • Medical Evacuation & Repatriation
PSI Royal Plus Plan Health insurance

Royal Plus Plan

  • Unlimited Maximum Benefits
  • 100% In-Network Coinsurance
  • Hospitalization, Inpatient Treatments
  • Preventive Care Services
  • Prescription Drugs $10/$20/$40 Copay
  • No limits on Pre-Ex Conditions for Students
  • Mental Health Benefits
  • Alcohol & Substance Abuse
  • Maternity Care Benefits
  • Out-of-Pocket Max $6,950/year
  • No Copays/Deductible at SHC
  • Medical Evacuation & Repatriation
PSI Platinum Plan Health insurance

Platinum Plan

  • Unlimited Maximum & Lifetime Benefit
  • Coinsurance: 80% In-Network
  • Hospitalization, In/Outpatient Benefits
  • Preventive Care, GYN exams, Vaccines
  • Prescription Drugs $20 copay/$40 copay/ 60%
  • No Limits on Pre-Ex Conditions for Students
  • Mental Health Benefit
  • Alcohol and Substance Abuse
  • Maternity Care Benefits
  • Out-of-Pocket Max $6,350/year
  • Pediatric Dental & Vision
  • No Copays/Deductible at SHC
  • Medical Evacuation & Repatriation
PSI gathered this information as a resource for students, and this does not intend to imply a relationship between your school and our website, or company. Our plans simply offer an alternative to the university's student health insurance plan.

Claim Procedures

Step 1: Bring Your Insurance ID card

Login to your PSI account and print your Insurance ID Card. Always present your Insurance ID Card to your Doctor or Hospital so they can submit your claim directly to us.

Step 2: Visit your Student Health Center or a Preferred Provider

If you are sick or injured, please visit the Student Health Service first. If not available, proceed to a Preferred Provider Network.
We encourage students to use a Preferred Provider whenever possible for two reasons:

1) They have a contract to bill us directly for services so you don't have to pay out of pocket and then file a claim yourself;

2) They have agreed to contracted pricing for covered medical expense, which means your medical cost and charges are kept as low as possible and never exceed the set price which providers accept as payment.

If you visit an Out-of-Network Doctor or Hospital, ask if they can submit claims on your behalf. If they cannot, you will be required to pay for your medical bills during your visit. Afterwards, seek reimbursement by filing a claim. Simply download a Claim Form, Complete, and Sign then include a copy of your ID Card with your medical bills or receipts.

FAQs

Compare Plan Details