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Health and Dental Insurance

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 accessing plan benefits, medical services, and prescriptions can be found on the Insurance Office website
  • The plan has an annual premium of $3,846 for the 2019-2020 academic year for continuing students or those who matriculate in the fall of 2019.
  • The plan offers a spring-semester only premium of $2,234 (2019 rate), for students who matriculate in the spring semester of 2020.
  • The deadline for waiving SHIP for the 2019-20 academic year is July 31, 2019. Academic-year coverage is effective from August 15, 2019 to August 15, 2020.
  • The deadline for waiving for the spring semester is January 1, 2020. Spring-semester coverage is effective from January 15, 2020 to August 15, 2020.

Doctoral Students
As part of the five-year support guarantee, doctoral students receive health and dental insurance subsidies, including a child dependent subsidy. Students may waive SHIP coverage by presenting proof of adequate outside coverage to the University Office of Insurance & Purchasing Services.

Dependents Health Insurance Coverage
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 who receive health coverage through their financial support packages from the University will be expected to cover the cost of adding dependents to the plan.

Health Insurance Waiver/Buyout
Graduate students who are covered by another comparable health insurance plan may elect to waive the University plan. Students waive the University plan and who are eligible for the subsidy, 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.

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

  • To view the rates and benefits of the plan, and to enroll online, please visit the Delta Dental website.
  • The plan has an annual premium of $261.36 for the 2019-2020 academic year for continuing students or those who matriculate in the fall of 2019. 
  • Further information on accessing plan benefits can be found on the Insurance Office website.

All students enrolled in the Student Health Insurance program have the option of using the Dental Savings Program, which provides pre-negotiated discounts on services provided by participating area dentists.

See the Insurance Office site for additional information, including the policy on Voluntary Student Dental Insurance.