Providence College

2022-2023 Policy Year

All undergraduate students enrolled in 9 or more credits are required by Providence College to enroll in the Student Health Insurance Plan (SHIP) or be covered by a health insurance plan with comparable coverage. International students are automatically enrolled in the SHIP and do not need to take any action.

Plan Highlights

The 2022-2023 Providence College Student Health Insurance Plan (SHIP) is provided by Wellfleet Student. The plan is ACA compliant and includes access to Cigna’s national PPO network of providers. Students do not have to select a primary care physician and referrals are not required.

The Providence College Student Health Insurance Plan (SHIP) has experienced rising premiums due to the higher cost of healthcare and increased utilization of the plan. To keep the SHIP benefits and premium a viable option for students the following increase in cost-share has been made: 

  • 50% of the cost for specialty drugs 

Please note, the benefit change for the Providence College 22-23 SHIP may significantly impact your out-of-pocket cost, especially for prescription drugs. Students will continue to pay a $15 copay for generic drugs, a $30 copay for preferred brand name drugs, and non-preferred brand name drugs but will now be required to pay 50% of the cost for specialty drugs.

Before enrolling, we encourage students to compare all other insurance options. The Rhode Island Insurance Marketplace (HealthSourceRI) offers information for Rhode Island residents about the online marketplace where you can compare and purchase insurance plans. You may be eligible for a Subsidized Health Plan, a low or no-cost insurance program for qualifying uninsured adults, through the marketplace.

Providence College has partnered with University Health Plans to administer the plan and help with waiver, enrollment, or benefit-related questions. University Health Plans can be reached at 833-251-1150 or

Cost and Coverage Periods

  Annual Students New Spring Students 
Coverage Dates 9/1/22 - 8/31/23 1/1/23 - 8/31/23
Insurance Cost $1,665 $1,110
Petition to Waive Deadline August 22, 2022 January 13, 2023

Waiver/Enrollment Process

If you are covered by a comprehensive health insurance plan you can opt-out of the Providence College SHIP by completing the waiver form, located in the left-hand side navigation menu. Before waiving, compare the cost, coverage, and benefits of the SHIP to your existing plan. Please consider the following:

  • Your plan must provide access to doctors, hospitals, labs, pharmacies, and behavioral health providers in the Providence College campus area. 
  • The policy must be a US health insurance plan that is filed and approved in the US and ACA (Affordable Care Act) compliant. Travel insurance and short-term limited duration plans are not accepted.
  • Not all plans provide comprehensive coverage in Rhode Island such as out-of-state Medicaid and many out-of-state HMO, EPO, and/or managed care plans. Be sure to check with your insurance company before waiving to confirm the coverage you have in Rhode Island. Urgent and/or emergency-only coverage does not meet the waiver requirements.

If you do not submit a waiver form by the waiver deadline above, you will be enrolled in SHIP and responsible for the premium. 

Students who would like to enroll in the SHIP can complete the enrollment form located in the left-hand side navigation menu. 

Qualifying Event Enrollment Process

Students who waived the SHIP may qualify for special enrollment rights if they incur an involuntary loss of other coverage. To request an enrollment form and premium quote, contact University Health Plans at 833-251-1150 or

To enroll, you must submit an enrollment form, a letter from your prior insurance company documenting your loss of coverage, and payment within 60 days of the qualifying event. If all items are received by the deadline coverage will be effective as of the first day without coverage under your prior plan.