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Health and Dental Insurance

The Student Health Insurance Plan (SHIP)
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). 

Plan Details:

  • Information on the student health insurance plan, including FAQs s can be found on the Student Health Insurance Plan website.
  • The plan has an annual premium of$4,255 for the 2022-2023 academic year for continuing students or those who matriculate in the fall of 2022. Academic-year coverage is effective from August 15, 2022 to August 14, 2023.
  • The plan offers a spring-semester only premium for students who matriculate in the spring semester of 2023.
  • The deadline for waiving SHIP for the 2022-23 academic year (August 15, 2022 to August 14, 2023) has been extended to September 23, 2022.
  • The deadline for waiving SHIP for the spring semester (January 1, 2023 to August 14, 2023) is January 10, 2023.

Doctoral and MFA Students
As part of the five-year support guarantee, doctoral and MFA students receive 100% coverage of their health and dental insurance premiums, as well as a 75% health and dental insurance dependent subsidy. Students may waive SHIP coverage by presenting proof of adequate outside coverage. Find more information about waiving coverage on the Student Health Insurance Plan website.

Health Insurance Coverage for Dependents
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 will submit documentation of marriage or domestic partner status through the Gallagher website and will be contacted by Gallagher if additional information is needed. 

Dependents can be enrolled during the annual open enrollment period (for Fall 2022, the dependent enrollment deadline is September 23, 2022) or within 30 days of a qualifying life event.  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

To enroll dependents, vist the Gallagher website. Once dependents are added, you will receive a payment link. 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. 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. If you have any questions, please email [email protected] or [email protected]

Costs for the 2022-2023 academic year TBA

Health Insurance Waiver/Buyout
Graduate students who are covered by another comparable health insurance plan may elect to waive the University plan. Find more information about waiving coverage on the Student Health Insurance Plan website. Doctoral and MFA students who receive health coverage through their financial support packages from the University and who opt to waive the University plan 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.

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. 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.

Health Insurance Continuation Coverage
Students who graduated during the past year and who were enrolled in 2021-2022 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 enroll in continuation coverage through the Gallagher website (log in under the ‘Profile’ box and then look under ‘My Coverage Options’ for the 2022-2023 Continuation Brown University Student Health Inurance Plan link).  If you have any questions, please email [email protected] or [email protected]

Dental Insurance
Brown University offers a Student Dental Insurance Plan through Delta Dental of Rhode Island.

  • All doctoral and MFA students with a financial support package from the University are automatically enrolled in the Student Dental Insurance Plan. If you are a doctoral or MFA student and do not want to be automatically enrolled, please email [email protected].
  • For students not automatically enrolled in the Student Dental Insurance Plan, view rates and benefits of the plan, and enroll online through the Delta Dental website.
  • The plan has an annual premium of $261.36 for the 2022-2023 academic year (August 15, 2022 to August 14, 2023). The deadline for students to enroll themselves in 2022-2023 annual coverage is September 30, 2022.
  • The deadline for enrolling dependents for 2022-2023 annual coverage is September 15, 2022.
  • For students who matriculate in January 2023, spring-only coverage is available from January 15 - August 14, 2023. The Delta Dental website enrollment portal will open from December 1, 2022 through February 15, 2023. Spring matriculants may enroll themselves and dependents. 

Find additional information in the Student Dental Plan Information Pamphlet. 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.

Dental Insurance Coverage for Dependents
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. 

To enroll a dependent, complete the appropriate enrollment form below and email it to [email protected] before September 15, 2022. If paying by check, you will also need to mail a check to the address provided in the form.

Doctoral and MFA students who receive dental coverage through their financial support package: Dental Dependent Enrollment 22-23 -Subsidy, Form 6416

All other students (those not receiving a University subsidy): Dental Dependent Enrollment 22-23 -No Subsidy, Form 8625