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Providence College

2024-2025 Academic 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 2024-2025 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 plan includes an out-of-pocket maximum of $9,100.00; a $15 copay for generic drugs; and a $30 copay for preferred brand name drugs and non-preferred brand name drugs. Students pay 50% of the cost of specialty drugs. Please review the summary of benefits located in the navigation menu on the left-hand side of this page for additional plan details. 

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 9/1/24 - 8/31/25 1/1/25 - 8/31/25
Insurance Cost $1,881 $1,252
Waiver/Enrollment Deadline August 1, 2024 January 12, 2025

Enrollment Process

Although students are automatically charged for the SHIP, students will not be automatically enrolled until after the deadline. Students needing coverage should submit the enrollment form located in the left-hand side navigation menu as soon as possible to avoid delays in accessing their health insurance benefits. 

Waiver 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, specialists, hospitals, labs, pharmacies, and mental health/behavioral health providers in the Providence College campus area. Please note, if you are enrolled in an out-of-state Medicaid, HMO, or EPO your coverage may not be sufficient in Rhode Island. Many out-of-state plans do not provide comprehensive benefits outside of the home service area, and urgent or emergency-only coverage in Rhode Island is not sufficient and does not meet the SHIP waiver requirements. Be sure to check with your insurance company before waiving to confirm the coverage you have in Rhode Island.
  • The policy must be a US-filed and approved, ACA (Affordable Care Act) compliant health insurance plan. International insurance plans, travel insurance, and short-term limited-duration plans are not accepted.

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

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.