Student 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 enrolled for the Academic Year are automatically enrolled in the University's Student Health Insurance Plan (SHIP) for coverage effective August 15 to 12:01 am August 15. Part time students may elect to be insured by contacting the Insurance Office prior to August 15th. The coverage effective dates for first year medical students is from July 30 to 12:01 am August 15, at a premium of $4,013.

Full time students will be charged the annual premium of $3,846 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.  If you are unable to waive because you don't have any other coverage, please contact Financial Aid.

The Plan is underwritten by United Healthcare with claims administered by Student Resources.  The account manager is Gallagher Student Health & Special Risk.  The network will be the United Healthcare Choice Plus.  For contact information please click here

Details about the Brown Unviersity Plan, benefits comparison, participating doctors, and more can be found the website of the Plan’s broker, Gallagher Student Health.

  • Find out what questions you should ask your current health insurance plan to make sure it’s comparable.
  • View and download a student insurance brochure for a benefits comparison.
  • Search for participating doctors, hospitals, and pharmacies.
  • Find Frequently Asked Questions
  • Submit an online waiver form (instructions below).

Eligibility to waive

Participation in SHIP is mandatory, however you can waive enrollment if;

  • You have adequate health insurance coverage
  • You have a Rhode Island, Connecticut or Massachusetts Medicaid plan

Please be aware that not all plans provide adequate coverage, including some out-of-state Medicaid plans or certain HMOs and managed care plans. Be sure to check with your insurance company before waiving coverage.

Students are encouraged not to waive the Student Health Insurance Plan if;

  • You live beyond a 200-mile radius
  • Have restrictive out-of-state managed care insurance coverage 
  • Anticipate participating in intercollegiate, club, or intramural sports programs 

Students who have an out of area HMO, such as Kaiser Permanente, should not waive coverage as those types of plans only provide coverage in the event of an emergency or in your home area.

International students cannot waive coverage unless they are currently enrolled in a plan of comparable coverage through an U.S.-based insurance company.

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.

The deadline to waive SHIP is July 31.  To complete the waiver form:

1.     Go to www.gallagherstudent.com/Brown
2.      On the top right corner of the screen, click ‘Student Login’.
3.      Use your Brown Banner ID and Brown University e-mail address to log in.
4.      On the left toolbar, click ‘Student Waive’.
5.      Click the ‘I want to WAIVE’ button.
6.      Follow the instructions to complete and submit the online form.
7.      Print or write down your reference number.  

For more information, visit www.gallagherstudent.com/Brown.

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.

When using the Brown University Student Health Insurance Plan, please familiarize yourself with the plan summary supplement and out of pocket expenses

The Student Health Insurance Plan is designed to complement the services available through Brown University Health Services and Counseling and Psychological Services. Please refer to the Brown University Health Services or Brown University Counseling and Psychological Services websites for further details on the services they provide. Information collected through the waiver process may be used by Health Services and/or Counseling and Psychological Services to furnish health insurance information for services billed by Brown Health Services or through student referrals to community medical providers.

Please note that referrals are not required for treatment outside of Health Services and Counseling and Psychological Services.

For Important Information for Graduate Students click here.