For MD students, Harvard University's Blue Cross/Blue Shield plan is the default coverage and is automatically charged to your HMS term bill each fall.
HST MD/PhD students who do their PhD at MIT may continue their Harvard insurance during their PhD years for the sake of continuity of care. HST MD/PhD students who elect MIT insurance during their PhD at MIT may keep their MIT insurance when they return to HMS to finish their clinical training.
You may also waive Harvard insurance if you have health insurance coverage through a spouse or parent. You must waive HMS coverage each year in which you choose alternative coverage.
MD students cannot waive the Harvard University University Health Services fee, regardless of insurance choice.