All Brown students (except those in fully online programs) are required to show proof of health insurance while enrolled at the University and all registered students (except those in fully online programs) are automatically enrolled in the University's Student Health Insurance Plan (SHIP).

Please note that for the 2023-2024 academic year, Brown is transitioning to a new student health insurance broker, Haylor, Freyer & Coon (HF&C). For the 2022-2023 academic year, Student Health Insurance Plan inquiries or related information can be accessed through our previous broker, Gallagher.

Doctoral and MFA Students

As part of the funding guarantee, doctoral and MFA students receive health insurance coverage, including a dependent subsidy, and are automatically enrolled in SHIP.

SHIP Details

• Information on SHIP, including FAQs can be found on the Student Health Insurance Plan website.
• Annual coverage is effective from August 15, 2023 to August 14, 2024 with a premium of $4,636.
• The deadline for waiving SHIP for 2023-2024 coverage is September 1, 2023.
• If a student remains an active and enrolled student at Brown for over 31 days after they are enrolled in SHIP (through at least September 15), SHIP coverage typically cannot be canceled and the student will remain fully covered until the following August 14, even if they graduate or are otherwise no longer an active student.
• The plan offers spring-semester only coverage for students who matriculate in January 2024. Spring-semester coverage is effective from January 1, 2024 to August 14, 2024 with a premium of $2,875.
• The deadline for waiving SHIP for students matriculating in January 2024 is February 1, 2024.
• The plan offers summer only coverage for students matriculating in the summer of 2023 and needing coverage before the 2023-2024 annual plan begins. Summer coverage is effective from June 1, 2023 to August 14, 2023 with a premium of $876.
• All students enrolled in SHIP have the option of using a dental savings program or vision discount program which provide pre-negotiated discounts on services from participating area providers.

Waive Coverage

Students may waive SHIP coverage by presenting proof of adequate outside coverage. Find more information about waiving coverage below and on the Student Health Insurance Plan website.

Visit SHIP

Doctoral and MFA Student SHIP Waiver Buyout

Doctoral and MFA Students who receive health coverage through their financial support packages from the University and who opt to waive SHIP will receive a buyout of $400 ($200 for spring-semester coverage). 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.

Visit SHIP

Bursar's Office

Students who choose coverage through both SHIP and an alternate plan should be aware that SHIP includes a "Coordination of Benefits" provision. Students should contact their 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.

Enrollment for Online Students

Students enrolled in a fully online graduate program and residing in the United States can opt in to SHIP coverage and can enroll themselves through the HF&C website. 

Enroll

Health Insurance Continuation Coverage

Students who graduated during the past coverage year (Fall 2022, Spring 2023, or Summer 2023) and who were enrolled in 2022-2023 annual SHIP coverage can sign up for a 1, 2, or 3 month continuation of their coverage. Students will be responsible for paying the full premium, including for any dependents they add. Students can find more information on the Student Health Insurance Plan website and can enroll in continuation coverage through the HF&C website.

Enroll

Questions

If you have any questions, please email studenthealthinsuranceplan@brown.edu or graduate_school@brown.edu.

Dependents of graduate students 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 child born while the graduate 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 submit documentation of marriage or domestic partner status through the HF&C website and will be contacted by HF&C if additional information is needed. 

Enrollment

Dependents can be enrolled during the annual open enrollment period (June 15, 2023 - September 1, 2023) or within 30 days of a qualifying life event. See the 2023-2024 Brown University Student Health Insurance Plan Summary Brochure for dependent coverage rates and visit the HF&C website to enroll dependents. Doctoral and MFA students who receive health coverage through their financial support packages from the University receive a 75% subsidy on the cost of enrolling dependents. 

Coverage for dependents enrolled during the open enrollment period will begin August 15. Coverage for dependents enrolled after a qualifying life event will begin upon processing of the premium payment.

Enroll

Enrollment Outside of the Annual Window

Qualifying life events that allow for enrollment outside of the annual window include:

• Birth of child (this allows for enrollment of the child - not a spouse)
• Loss of coverage under another insurance plan
• Marriage
• Divorce
• Spouse entering the U.S. for the first time

If you have a qualifying life event and would like to enroll a dependent outside of the annual window, please contact HF&C at student@haylor.com or 1-866-535-0456.
 

Questions

If you have any questions, please email studenthealthinsuranceplan@brown.edu or graduate_school@brown.edu. 

Brown University offers a voluntary Student Dental Insurance Plan through Delta Dental of Rhode Island. As part of the funding guarantee, doctoral and MFA students receive dental insurance coverage, including a dependent subsidy, and are automatically enrolled in the dental insurance plan. 

If you are a doctoral or MFA student and do not want to be automatically enrolled, please email graduate_school@brown.edu.

Dental Insurance Plan Details

• Annual coverage is effective from August 15, 2023 to August 14, 2024 with a voluntary enrollment premium of $391.20.
• More information about plan benefits can be found in the 2023-2024 Delta Dental Benefit Summary.
• The deadline for students to voluntarily enroll themselves and dependents in 2023-2024 annual coverage is September 1, 2023.
• For students who matriculate in January 2024, spring-only coverage is available from  January 15 - August 14, 2024. The enrollment portal will open from November 15, 2023 to February 1, 2024 for spring matriculants to enroll themselves and dependents.

Enrollment

For students not automatically enrolled in the Student Dental Insurance Plan, view rates and benefits of the plan, and enroll using the portal on the HF&C website.

Enroll

Dependents of graduate students may be enrolled in Delta Dental coverage at an additional cost. Eligible dependents include a legal spouse or domestic partner, children up to the age of 26, or a child born while the graduate student is covered by the Delta Dental plan. A spouse or partner is generally expected to be living with the covered student in order to be eligible for coverage. Doctoral and MFA students who receive dental coverage through their financial support packages from the University receive a 75% subsidy on the annual premium cost of enrolling dependents. 

Enrollment

To enroll a dependent, use the enrollment portal on the HF&C website. The deadline to enroll dependents for 2023-2024 annual coverage is September 1, 2023.

Enroll

Brown University offers a voluntary Student Vision Insurance Plan through Delta Vision of Rhode Island. As part of the funding guarantee, doctoral and MFA students receive vision insurance coverage, but must voluntarily enroll themselves in the plan. 

Vision Insurance Plan Details

• Annual coverage is effective from August 15, 2023 to August 14, 2024 with a voluntary enrollment premium of $60.
• More information about plan benefits can be found in the 2023-2024 Delta Vision Benefit Summary.
• The deadline for students to voluntarily enroll themselves and dependents in 2023-2024 annual coverage is September 1, 2023.
• For students who matriculate in January 2024, spring-only coverage is available from  January 15 - August 14, 2024. The enrollment portal will open from November 15, 2023 to February 1, 2024 for spring matriculants to enroll themselves and dependents.

Enrollment

Students, including doctoral and MFA students, wishing to opt in to Delta Vision coverage can enroll themselves and dependents through the enrollment portal on the HF&C website.

Enroll

Dependents of graduate students may be enrolled in Delta Vision coverage at an additional cost. Eligible dependents include a legal spouse or domestic partner, children up to the age of 26, or a child born while the graduate student is covered by the Delta Vision plan. A spouse or partner is generally expected to be living with the covered student in order to be eligible for coverage. 

Enrollment

To enroll a dependent, use the enrollment portal on the HF&C website. The deadline to enroll dependents for 2023-2024 annual coverage is September 1, 2023.

Enroll