Health & Wellness
Health Services

Student Health Insurance Plan (SHIP)

Due to an unexpected delay, the waiver will be available on the Gallagher Student website on June 30th. Please submit the waiver at www.gallagherstudent.com/brown as soon as possible.  After we receive the waiver, we will adjust your account and remove the charge.

The Dental Dental plan is now open for enrollment. Please visit www.deltadentalri.com/Brown to self-enroll in the student dental plan. Open enrollment will be available for students through September 30, 2022
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The Student Health Insurance Office is located in the Health and Wellness Center at 450 Brook St. Brown University is proud to offer our students who do not have coverage through a comparable health insurance plan, coverage through United Healthcare Student Resources. The SHIP includes a national provider network that gives students access to in network providers throughout the country and In-Network Preventive care services with no deductibles, copays or coinsurance. The cost of the SHIP plan for the 22-23 academic year is $4255. The cost of the insurance will appear on your student account in Banner. Any billing questions can be directed to studenthealthinsuranceplan@brown.edu.

Traveling Abroad? 

Through SHIP, students may qualify for Medical Evacuation, Repatriation & Travel Assistance Services. Any treatment received while abroad will be billed according to the out-of-network benefit.

Contact Us

Reach Pamela Watkins, Student Insurance Specialist, with any inquiries by phone at 401-863-1703 or email at studenthealthinsuranceplan@brown.edu.

Address:
Brown University Health & Wellness
Attn: Student Insurance
Box 1928
Providence, RI 02912

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, visit the Gallagher website. Once dependents are added, you will receive a payment link. Coverage for dependents enrolled during the open enrollment period will begin on 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 studenthealthinsuranceplan@brown.edu or graduate_school@brown.edu.
 
Continuation
 
Recent graduates, already on SHIP can opt to extend their insurance plans for up to 3 months. Undergraduate students wishing to extend their insurance plan can do so via the Continuation form. Graduate students can extend via the Gallagher website at www.Gallagherstudent.com/Brown under 'Continuation".

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. 
  • 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 studenthealthinsuranceplan@brown.edu 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

Fee Structure

The annual cost of the Student Health Insurance Plan is $4255.00  and is effective from 08/15/2022 – 08/14/2023.
Please refer to the following enrollment periods:

  • Annual: 08/15/2022 – 08/14/2023
  • Spring: 01/01/2023 – 08/14/2023

Frequently Asked Questions

Please allow a full 30 days for all claims to process before inquiring about a bill. If you have received a bill or an Explanation of Benefits and have questions regarding your out of pocket costs, please email us at studenthealthinsuranceplan@brown.edu. Please include a copy of your billing statement, summary of benefits and any relevant details.

An Explanation of Benefits (EOB) is a statement that comes from your health insurance provider that describes the costs your plan will cover for medical care or products. It is generated when your provider submits a claim for services.
 

To request a new insurance card please log in to your account at www.gallagherstudent.com/brown and follow the 'Get an ID Card' link.

Please visit the www.gallagherstudent.com/brown website to submit your insurance waiver. 

As part of the health insurance policy offered through Brown, students who wish to waive enrollment in our Student Health Insurance Plan must show proof that they are actively enrolled in a health insurance plan that provides comprehensive “comparable” coverage while they’re at school. 

Comparable Coverage

Comparable coverage is defined as if your plan covers you for non-emergent/urgent and routine care (routine physicals) without coverage limitations while you are on or near your school’s campus. It includes the following stipulations:

  • Preventative services  
  • Your plan does not have any limitations or exclusions on pre-existing conditions.  
  • Your plan covers hospital stays for medical and surgical care and for mental health conditions. 
  • Your plan covers doctor office visits for medical and mental health conditions.  
  • Your plan covers prescriptions written by a doctor. (If you are covered for prescription benefits through a third party vendor – Merck Medco, Medco, CVS Caremark, Express Scripts, etc., that is acceptable.)
  • Your plan does not place dollar maximums on medical benefits.  
  • Your plan provides coverage for diagnostic services, including laboratory tests and x-rays. 

It is also important that the plan declared provides access to comparable coverage while you are on campus. Students enrolled in an HMO, or a plan purchased through their ‘home’ state’s Exchange may have excellent coverage while they are at home, but may only be covered for emergency/urgent care when they are outside of their plan’s service area. Students enrolled in an out-of-state or out-of- county Medicaid plan will only have coverage within that state or county and will not have coverage outside of those areas except for emergency/urgent care. Only having coverage for emergencies and urgent care may result in a significant financial burden if the condition requires continued follow-up visits and diagnostic services.

Students who are enrolled in an HMO or Medicaid plan outside of the plan’s service area, will be denied.

Exception: RI, MA, and CT HMO and Medicaid plans.

Qualifying life events such as a loss of coverage, marriage, or birth of a child can be submitted via the Gallagher student website at www.gallagherstudent.com/brown.

If you have received a denial of your SHIP waiver, or are a recipient of financial aid and you are in need of assistance with your insurance costs, please email us at: studenthealthinsuranceplan@brown.edu. Please title your email SHIP Assistance and include your Banner ID and any relevant information such as your waiver denial letter from Gallagher.

December graduates are covered by SHIP  through August of the following year of enrollment.  Please refer to the plan year details to confirm the last day of coverage. If you are a December graduate and you wish to terminate your coverage early and request a refund of a portion of your insurance costs, please email studenthealthinsuranceplan@brown.edu to request a refund. Please state December Graduate in the subject line and include your Banner ID and graduation date in the body.

Students who are enrolled in the Student Health Insurance Plan at the time of graduation may be eligible for an extension of the insurance plan for up to three months. Please access additional information through the Brown University Continuation Plan.

 

Students that take a leave of absence while covered by SHIP will remain on the plan through the remainder of the coverage period.  For questions regarding the extension of your insurance plan beyond the coverage period, please visit the Gallagher website at www.gallagherstudent.com/brown and click "Leave of Absence Enroll Form."

 

Students are encouraged to visit Health & Wellness for all sick/ wellness visits before seeking care in the community. Please visit the Health and Wellness page to learn more about our hours and services.