To ensure adequate protection against unexpected medical expenses, all registered full and part-time undergraduate, graduate and medical students in a degree granting program, who are not enrolled exclusively in an online program are automatically charged and enrolled in the Student Health Insurance Plan (SHIP), annually. Participation in SHIP is required unless a waiver is submitted and approved each academic year by the waiver deadline.
For the 2023-2024 academic year, Brown is transitioning to a new student health insurance broker, Haylor, Freyer & Coon. All student Health Insurance policy related information for the upcoming academic year will be accessed on their website on June 15th.
For the 2022-2023 academic year, Student Health Insurance plan inquiries or related information can be accessed through our previous broker, Gallagher.
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.
Waiver process opens
Waiver process closes
2023-2024 Student Health Insurance Fee Structure
7/15/2023 - 8/14/2024
8/15/2023 - 8/14/2024
1/1/2024 - 8/14/2024
Eligible students who are enrolled in the Student Health Insurance Plan may also enroll their dependents for the same coverage period.
Financial Aid / Scholarship
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.
Leave of Absence
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
Qualifying Life Event
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 email@example.com or 1(866) 535-0456.
Insurance After Graduation (Continuation)
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.
All J-1 Exchange Visitors and their J-2 dependents are required to have exchange visitor compliant health insurance for the full duration of the J program. As J-1 scholars are not eligible for Brown University student health insurance, they need to secure a different plan that meets or exceeds the minimum requirements for J exchange visitors as stipulated by the U.S. Department of State Exchange Visitor Program. This can be either through their home country’s health insurance coverage, Brown Benefits (when eligible), the Brown University International Scholars Insurance, or another J-1 compliant health insurance coverage. Proof of J-1 compliant health insurance must be provided to the Office of International Student and Scholar Services (OISSS).
J-1 Student Interns or Visiting Research Fellows (VRFs) who are invited to Brown by the Graduate School are mandated to obtain the Brown University International Scholars Insurance prior to receiving their invitation letter and the issuance of the DS-2019 certificate of eligibility.
For Information, please visit the Mandatory Health Insurance for J Exchange Visitors Website
Enroll and purchase here: Brown University International Scholars Insurance.
For additional information, please also visit: Office of International Student and Scholar Services (OISSS) Health Insurance Information
For questions on policy and benefit related information, please email firstname.lastname@example.org
Medical Coverage While Abroad
Students who are enrolled in SHIP and paid the premium have coverage while abroad. Your plan also provides you with 24 hour Worldwide Travel Assistance which includes services ranging from a lost passport to helping with emergency medical assistance or arranging for emergency medical evacuation or repatriation of remains. It’s important to contact UnitedHealthcare Global at 1-800-527-0218 before making arrangements on your own. Otherwise these services will not be covered.
The Student Health Insurance plan offers pediatric dental coverage if you are under the age of 19. Information regarding the pedi dental coverage can be found here (pedi dental coverage); coverage lasts until the last day of the month in which you turn 19.
If you are 19 or over, there is a discount plan where you may find dental providers offering discounts on dental services
Brown University offers a voluntary Dental Insurance Plan through Delta Dental of Rhode Island.
- All PhD and MFA students with a financial support package from the University are automatically enrolled in the Student Dental Insurance Plan.
- All other students have the option to voluntarily enroll in the Student Dental Insurance Plan
2023-2024 Voluntary Dental Insurance Plan Rate
The Student Health Insurance plan offers pediatric vision coverage if you are under the age of 19. Information regarding the pedi vision coverage can be found here (pedi vision coverage); coverage lasts until the last day of the month in which you turn 19.
Brown University offers a voluntary Vision Plan through Delta Vision of Rhode Island for students aged 19 and up.
2023-2024 Voluntary Vision Plan Rate
Please email any questions regarding your policy to email@example.com.
Brown University Health & Wellness
Attn: Student Insurance
Providence, RI 02912