Please allow a full 30 days for all claims to process before inquiring about a bill. Regardless of whether you have the student insurance plan with United Healthcare Student Resources or your own private insurance. 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 an insurance card for the 23-24 policy year, please visit Haylor, Freyer & Coon.

To request a new insurance card for the 22-23 policy year, please log in to your account at www.gallagherstudent.com/brown and follow the 'Get an ID Card' link. 

For students who have comparable health insurance coverage that meets all Brown requirements, an annual waiver may be submitted for review through an external validation process. If approved, the health insurance charge will be credited to the Bursar account within 3-5 days.

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:

• Fully compliant with all aspects of the Affordable Care Act.
• Underwritten and administered in the United States.
• 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. 

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

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

It is important that the plan 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.

If you waived SHIP and have a qualifying event, such as a loss of coverage, during the policy year, you may request a petition to enroll in the plan. All Qualifying Life Events must be reported within 30 days including a loss via email or phone at student@haylor.com or 1(866) 535-0456.

Undergraduate students who are receiving a University need-based scholarship and do not have comparable or have no insurance coverage, Brown will provide additional scholarship funds to cover the cost of the Brown's Student Health Insurance Plan. Please note that in order to be eligible for this scholarship, a student must submit a waiver and receive a denial.

Graduate and Medical students should reach out to their respective financial aid offices to inquire about funding or financing options.

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.

Recent graduates already insured through the Student Health Insurance Plan can opt to extend their insurance plans for up to 3 months. 

• The enrollment form must be received within 31 days after the termination of coverage under the Brown University Student HealthInsurance Plan. If the deadline is not met, you will not be able to enroll in the Continuation Plan. Your coverage effective date will be retroactive to the day following your termination date under the Student Health Insurance Plan. 
• Students are allowed to purchase up to three (3) months of coverage and must select the term of coverage at the time of their initial enrollment. However, once the period of coverage the student elects terminates, they will not be eligible to reenroll for another term of coverage. 3. The Continuation Plan duplicates the coverage of your current Student Health Insurance Plan. 
• Students will pay the monthly premium directly to Haylor, Freyer & Coon.

Students who take a leave of absence after more than 31 days into a coverage period, will remain enrolled in the plan until the end of the policy year.

Students who are granted a leave of absence from the University are eligible to continue their coverage for a maximum of one year if they meet the following requirements:

• Student must be currently enrolled in SHIP
• Student must provide a copy of the leave of absence verification form signed by the dean or advisor
• Student must intend to return to Brown and remain a degree-seeking student

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.

In this situation, the student becomes the subscriber of the Student Health Insurance Plan, which means it has to be the Primary Insurance and your personal insurance plan will become the secondary plan. The patient needs to declare at the time of the visit they hold two insurances, the Student Insurance Plan being primary and personal plan being secondary even if they are in their home state. 

Not following this insurance rule can lead to unnecessary bills for the student which in many cases end up in collections.