Brown University
STUDENT HEALTH INSURANCE PLAN

2016-2017 Academic Year

Dear Student/Parent (s):

As you prepare for the 2016-17 academic year, we urge you to consider your health insurance coverage a top priority. It is important that students have access to comprehensive medical care while enrolled at Brown University. Therefore, all students are automatically enrolled in the University’s Student Health Insurance Plan (SHIP) for coverage effective August 15, 2016 through August 14, 2017. Each student’s account will be the $3,548 annual insurance premium (assessed entirely in the Fall semester). The coverage effective dates for first year medical students is from August 1, 2016 to 12:01 am August 15, 2017, at a premium of $3,680.

The Student Health Insurance Plan is serviced by University Health Plans and underwritten by the Companion Life Insurance Company. Claims are paid by Consolidated Health Plans. The Prescription Drug Program is provided through Express Scripts. After a copayment of $15 for a thirty (30) day supply for generic drugs, $30 for a thirty (30) day supply for preferred brand name drugs, or $50 for a thirty (30) day supply for non-preferred brand name drugs, prescriptions will be covered at 100% (in network). Copayments do not apply to prescription or contraceptive drugs.

Brown University Health Services and Counseling and Psychological Services: On your tuition bill, you will be charged for both a mandatory Health Services Fee and a Health Insurance Fee. A separate mandatory Health Services Fee covers the cost of basic medical care at Health Services and Counseling and Psychological Services (CAPS). All students can access the services available through Health Services and CAPS. For a complete description of the services available, please go to brown.edu/health or brown.edu/caps. The Health Insurance Fee is the premium for the Student Health Insurance Plan (SHIP).

Before Waiving SHIP
If you are considering waiving Brown’s SHIP, please consider that some insurance plans are restrictive and may leave students essentially uninsured while away at school. This could result in you incurring substantial out-of-pocket costs for medical care. If you are waiving out of Brown’s SHIP, your plan must meet the university’s requirements. An Insurance Comparison Worksheet is enclosed to assist you in making that determination.

Financial Aid
Students eligible for University Scholarship and without comparable health coverage to waive SHIP, should contact the Office of Financial Aid about options to cover this fee.

Waiver Process: Participation in SHIP is mandatory unless you are enrolled in another comparable health insurance plan. Out of state Medicaid (except Connecticut and Massachusetts), Kaiser Permanente and International plans are not considered comparable plans. If you choose to waive SHIP, you will need to complete an online waiver confirming that you have comparable coverage by logging onto universityhealthplans.com and submitting the on-line waiver form by June 1, 2016. A credit in the amount of the Health Insurance Fee will be posted to your student account once the waiver is received and accepted. You will need to complete the waiver decision process and each year.

If you waive coverage for the 2016-2017 year, you can only enroll at a later date if you lose coverage under your current private health insurance plan due to a qualifying event. A qualifying event is a change in employment or marital status or reaching the age limit of your insurance plan. You can contact University Health Plans for further information.

Online Information: Please go to universityhealthplans.com or brown.edu/insurance to learn more about SHIP, to review questions to ask your current plan before waiving SHIP, to download a brochure or Frequently Asked Questions, to locate preferred providers or pharmacies, to enroll eligible dependents or waive coverage.

Delta Dental: A voluntary dental insurance program insured by Delta Dental of RI is also available. To access additional information, please visit the insurance office website at brown.edu/insurance, click on Insurance for Students and then click on Dental Insurance. The Delta Dental open enrollment period will begin on July 1, 2016 and will end on August 30, 2016. Coverage effective dates are from August 15, 2016 through August 14, 2017. The Dental Insurance annual premium for individuals is $277.92.

Students are responsible for expenses incurred for medical care that is not covered by their health insurance. Please take the time to make an informed decision regarding your health insurance needs while enrolled at Brown University. If you have any questions, please call the Insurance Office at 401-863-9481 or 401-863-1703.

Sincerely,

Cheryl Moan
Insurance Specialist
Insurance Office, Box 1848
brown.edu/insurance