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.

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.