Providence College
STUDENT HEALTH INSURANCE PLAN

2023-2024 Policy Year

Eligibility

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: 

• The Out-of-Pocket Maximum will be $9,100

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 info@univhealthplans.com.

Cost and Coverage Periods

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 info@univhealthplans.com

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.