Eligible employees may elect health insurance coverage through Brown University. Health insurance becomes effective the first day of the month coinciding with, or next following, the date of hire. Coverage ceases at the end of the month in which eligibility ends.
Eligible employees' paychecks are generally reduced on a pre-tax basis by the amount appropriate of the employee health insurance contribution. This pre-tax plan is governed by Internal Revenue Service regulations and, as a result, there are certain limitations on an enrollee's ability to make changes to coverage levels during the year. Under certain circumstances, it may be necessary or desirable to deduct premiums on a post-tax basis.
Open Enrollment is usually held on an annual basis (during the fall), at which time employees can change coverage levels and/or health insurance carriers.
Summary of Benefits and Coverage
Under the Patient Protection and Affordable Care Act (PPACA) employers are required to provide a Summary of Benefits and Coverage notice to help assist employees make informed decisions regarding employer provided health insurance. This summary contains information to help you understand and compare Brown University’s Health Insurance Plans using a standardized template.
- 2016 Summary of Benefits and Coverage Blue Cross & Blue Shield HealthMate Coast-To-Coast
- 2016 Summary of Benefits and Coverage United Healthcare Choice Plus
- 2016 Summary of Benefits and Coverage United Healthcare Choice Plus Consumer-Directed Health Plan
Health Insurance Plans
Eligible employees may select coverage under any of the three plans listed below. No exclusions for pre-existing conditions are included in all of the plans. The 2015 documents below will be updated early in 2016. However, the only significant change is an increase in the United Healthcare office visit copay, to $10.
- Blue Cross Blue Shield of Rhode Island - HealthMate Coast-To-Coast (comprehensive coverage)
- UnitedHealthcare - Choice Plus (comprehensive coverage)
- UnitedHealthcare - Choice Plus with HSA Plan (high deductible coverage)
All plans have an in-network and an out-of-network option. In-network services require a nominal copayment; out-of-network services involve claim forms, deductibles, co-insurance and out-of-pocket maximums.
Plan Carriers & Provider Directories
When using the online directory to find providers outside of Rhode Island, please select Blue Card PPO from the product list.
When using the online directory to find a participating provider, please choose the UnitedHealthcare Choice Plus plan.
Prescription Drug Coverage Provider
OptumRx is the University's prescription drug coverage provider as of January 1, 2016. Employees are automatically enrolled in prescription drug coverage if they are enrolled in a Brown health plan. Subscriber ID cards will be mailed to an employee's home address and should be presented at the pharmacy for all prescription drug purchases.
Health Insurance Marketplace
Under the Patient Protection and Affordable Care Act (sometimes referred to as simply the Affordable Care Act or ACA), Brown is required to provide the document below which describes a new government entity called the Health Insurance Marketplace. The Marketplace provides options for individuals and small businesses to purchase health insurance. On October 1st, information about the Marketplace became available and is detailed in the document below. You can also find out more about the Marketplace by visiting http://www.healthcare.gov or by visiting http://www.healthsourceri.com which provides details on Rhode Island health insurance options.
Please note: if you are already enrolled in health insurance through Brown you do not need to take any action. Your current coverage will not be affected, and you are not required to complete the form.
CurrentCare is Rhode Island's Health Information Exchange (HIE). CurrentCare is a virtual integrated electronic medical record (EMR) system that helps health care professionals access patient information quickly and easily so they can integrate health care to treat the whole person. Developed by the State of Rhode Island in partnership with the Rhode Island Quality Institute, CurrentCare ensures that a patient’s providers have all the information to provide them with the most complete care possible.
Consumer Health Choices’ Choosing Wisely program was founded by the American Board of Internal Medicine Foundation. Choosing Wisely offers topical articles and videos on common tests, medications, procedures, and imaging. When talking with your doctor, knowing your options and asking the right questions can often result in more personalized care and can reduce unnecessary services.