Health Insurance

Brown University believes that it is important that students have access to comprehensive medical care while enrolled at Brown. Therefore, full time students are automatically enrolled in the University's Student Health Insurance Plan (SHIP) for coverage effective August 15, 2015 to 12:01 am August 15, 2016. Part time students may elect to be insured by contacting the Insurance Office prior to August 15th. 

Full time students will be charged the Annual premium of $3,487 on their Student Account through the Bursar's Office.  This fee is assessed in full on the 1st semester bill.  For students receiving need based financial aid from Brown, please contact the Office of Financial Aid to explore what options are available to you to cover this charge.

Participation in SHIP is mandatory. However, students may waive enrollment in SHIP if they are covered by a health insurance plan that provides coverage for the essential health insurance benefits listed on the Coverage Comparison sheet and that does not include a high dollar deductible that would prevent the student from being able to afford needed health care.  If you are comparing the Brown student health insurance plan to plans available through the Health Insurance Exchanges, Brown's plan would be most similar to the Platinum level plan. 

In order to waive out of the University's student health insurance plan, you must confirm that your plan provides adequate coverage.  

Use the Coverage Comparison Sheet to compare your plan. 

Important coverage considerations: 
If you are covered by an HMO,  or a plan that has a limited network of acceptable providers in Rhode Island, you may not have coverage for lab tests, x-rays or prescriptions ordered by University Health Services, or the ability to have coverage if seen by a local provider if you are referred outside of University Health Services for care.  Many plans will not pay outside of your home area unless it falls under their definition of an emergency, which may result in you paying for expensive tests or services in full.

Students must complete an online waiver form at www.universityhealthplans.com by the deadline of June 1, 2015

Please note that a waiver form must be submitted EACH academic year if you do not want to participate in the University's Student Health Insurance Plan.

The Insurance Office is pleased to continue our partnership with University Health Plans, Inc. for administration of the 2015 - 2016 Student Health Insurance Plan.

Please note: After a co-payment, prescriptions will be covered at 100% (in network).

When using the Brown University Student Health Insurance Plan, please be aware of the following:

  • There is a $300 deductible, however it is waived for Emergency Room visits, diagnostic X-Rays and Laboratory Tests when ordered by Health Services, outpatient mental health visits, physician office visits, in-network preventative screening/lab, outpatient prescription drugs, and other outpatient services when provided by University Health Services.
  • There is a $100 copayment for inpatient hospitalization or outpatient surgery performed at a hospital or hospital affiliated surgical center. This is in addition to the $300 deductible.
  • In addition to the providers on the Cigna and First Health Network lists, you may also visit East Side Vision Care and University Orthopedics.
  • Emergency Room visits have a $100 copay, while Urgent Care Center visits have a $25 copay.

For more information, please see the plan brochure.

The benefits for the annual eye exam under our student health insurance plan have not changed.  The Davis Vision Plan is a discount vision care plan that gives students access to purchase eyeglasses and contact lenses at a discounted price, something that was not previously available.  It is in addition to the standard annual eye exam benefit that continues to be available through the student health insurance plan.  In addition to providers listed on the Cigna or First Health Network, arrangements have been made for East Side Vision Care to be considered an "in-network" provider for the annual eye exam.

For Important Information for Graduate Students click here

Click here for some helpful information about insurance terminology.