All Brown students are required to show proof of health insurance while enrolled at the University. All registered students are automatically enrolled in the University's Student Health Insurance Plan (SHIP). The plan has an annual premium of $3,225 for the 2014-2015 academic year for continuing students or those who matriculate in the fall of 2014.
The deadline for waiving SHIP for the 2014-15 academic year is June 1, 2014; academic-year coverage is effective from August 15, 2014 to August 15, 2015. The plan offers a spring-semester premium, at $1,917, for students who matriculate in the spring semester of 2014. The deadline for waiving for the spring semester is January 1, 2015; spring-semester coverage is effective from January 15, 2015 to August 15, 2015. Students may waive SHIP coverage by presenting proof of adequate outside coverage to the University Office of Insurance and Risk.
Students' dependents may be enrolled in SHIP at an additional cost. Eligible dependents include a legal spouse or domestic partner, children up to the age of 26, or a newborn infant born while the student is covered by SHIP. A spouse or partner is generally expected to be living with the covered student in order to be eligible for coverage. Students who receive health coverage through their financial support packages from the University will need to cover the cost of adding dependents to the plan.
Health Insurance Waiver/Buyout
Graduate students who are covered by another comparable health insurance plan are urged to waive the University plan. Choosing the waiver enables the Graduate School to use its resources to cover those without access to another plan. If students waive the University plan and are eligible for the subsidy, they will receive a buyout of $400 ($200 for spring-semester coverage) from the Graduate School. This buyout will be distributed through the student account system. If students have a credit balance on their student account at the time the buyout is disbursed, they will be able to request a refund from the Bursar's Office. If they do not have a credit balance at this time, the $400/$200 will be applied to their student account. Students can find out if they were automatically enrolled in the University plan by checking their student account statement for a "Health Insurance Fee." Again, if students do not wish to participate in SHIP, they must waive by the deadline. If after reviewing the tuition bill, a student finds that he or she was not enrolled in the student health insurance plan, he or she may still be eligible to participate. Please contact the Office of Insurance and Purchasing Services for waiver instructions or enrollment questions.
Students who choose coverage through both the University's health insurance plan and an alternate plan should be aware that the University plan includes a "Coordination of Benefits" provision. A student may want to contact his or her other insurance company to inquire about a similar provision in that plan. "Double coverage" may affect the timely processing of claims between the two plans.