Student Health Insurance Plan
2020-2021 Academic Year


All registered undergraduate day students, both domestic and international; all students enrolled in the Physician Assistant Program, on-campus Occupational Therapy Program, Addiction Counseling or Clinical Mental Health Counseling master's degree programs as well as international graduate/doctoral students attending Johnson & Wales University and taking credit hours (excluding full-time Johnson & Wales employees) are eligible and enrolled in the plan on a hard-waiver basis. Only students who meet these criteria are eligible for the Johnson & Wales University Student Health Insurance Plan (SHIP). Home study, correspondence, and online courses do not fulfill the eligibility requirements. 

International students learning remotely in their home country are still required to complete a waiver form, but are eligible to waive the JWU SHIP with their home country coverage.

The Student Health Insurance Plan is serviced by University Health Plans (UHP) and underwritten by United HealthCare. The annual SHIP premium for the 2020-2021 Policy Year (8/1/20-7/31/21) is  $1,998 ($999 per semester). Students who have other health insurance coverage may opt out of the SHIP by following the Waiver Instructions below. Please review both the brochure and the FAQs before deciding whether to waive the SHIP. 

The 2020-2021 policy is based on a replication of the 2019-2020 plan design with the following plan changes:               

  • The preferred provider deductible will change from $0 to $50
  • The following benefits are not subject to the preferred provider deductible of $50
    • Diagnostic X-ray services
    • Laboratory procedures
    • Tests & procedures
  • The out-of-network deductible will change from $250 to $300

Enrollment & Waiver Process

All eligible students who do not submit an online waiver form by the posted deadline will be automatically enrolled in and charged for the JWU Student Health Insurance Plan. Eligible students who wish to be enrolled in the SHIP do not need to take any action. Students MUST maintain eligibility each semester to remain enrolled in annual coverage.

All students who are required to have health insurance are initially charged for the SHIP. Eligible students who have other health insurance coverage (i.e. under a parent’s or employer’s plan) and do not want to be enrolled in the SHIP must submit an online waiver documenting their other coverage prior to the posted deadline for their first semester of enrollment each academic year. Once a waiver form is successfully submitted, the insurance charge is removed from the student’s account within approximately seven business days.

Students who miss their waiver deadline will be enrolled in the SHIP and responsible for paying the insurance premium for fall semester and spring semester should they maintain eligibility. For example, students who are eligible for the SHIP in the Fall but do not submit a waiver by the fall deadline cannot submit a waiver later in the academic year. They will be enrolled in the SHIP and responsible for paying the insurance premium for both fall and spring should they maintain eligibility during that academic year. The spring waiver form is only available for new spring students.

July 24, 2020 December 4, 2020 TBD



  1. Click on the “Waiver Form” link on the left of this page.
  2. Carefully follow all instructions included on the waiver form and click “Apply” to submit your waiver form.

Please contact UHP at 1-800-437-6448 with any questions regarding the waiver process.