2017 - 2018 Student Health Insurance

Brown is partnering with Gallagher Student Health for the administration of the 2017-18 Student Health Insurance Plan.

The Plan is underwritten by United Healthcare with claims administered by Student Resources.  The account manager is Gallagher Student Health & Special Risk.   

Please be aware that there is a change in the network utilized. For the 2017-18 plan, the network will be the United Healthcare Choice Plus. 

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 2017 - 2018 Academic Year are automatically enrolled in the University's Student Health Insurance Plan (SHIP) for coverage effective August 15, 2017 to 12:01 am August 15, 2018. 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 August 1, 2017 to 12:01 am August 15, 2018, at a premium of $3,752.

Full time students will be charged the annual premium of $3,615 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 comparable health insurance plan. In order to waive the Brown University SHIP, your private health insurance must provide comparable coverage. This means your plan needs to have doctors and hospitals in Providence, RI; cover you for services beyond emergency care which includes pharmacy, physician visits, mental health, surgery, diagnostic testing, maternity, preventive services; and you must be aware and comfortable if your plan has a high deductible. The insurance company must be based in the United States. International policies are not accepted. Your Plan must cover you from August 15, 2017 to August 14, 2018.

The deadline to waive SHIP was July 31, 2017. However, you may complete a petition to waive until September 29, 2017.  To complete the petition 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.  

PLEASE NOTE: For 2017-18, all submitted waiver request forms will be subject to a new and more robust waiver verification. The intent of the waiver verification process is to assess whether or not your insurance plan is comparable to the University’s plan and will cover you when you’re at school. The verification process checks the insurance company information you entered on your form and confirms the information submitted is accurate and that your coverage is currently active. 

If your waiver is denied, the email will explain the reason for the denial and provide instructions on how to revise and resubmit your form and any applicable supporting documentation, if you feel the denial was made in error. Notification will be received within 24-72 hours. 

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

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.

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.

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.