Rhode Island College
STUDENT HEALTH INSURANCE PLAN
2025-2026 Policy Year
The 2025-2026 policy year waiver and enrollment forms will be available after July 16, 2025.
Rhode Island College is pleased to present you with information about our 2025-2026 Student Health Insurance Plan (SHIP). The insurance coverage is through Wellfleet with University Health Plans (UHP) providing administrative support for the waiver and enrollment forms, customer service and general insurance questions.
ELIGIBILITY
Mandatory Students: All undergraduate degree students registered for nine (9) or more credit hours are required to have comprehensive health insurance coverage and will be automatically charged for and enrolled in the Student Health Plan unless a waiver form is submitted by the posted deadline. Eligibility is determined by registration status each semester and the per semester insurance charge will be included on the student’s tuition bill if eligible. Important Note: If you are charged the insurance fee and you drop below 9 credits you will remain charged. If you do not want to be enrolled in the SHIP you must be sure to submit an online waiver form prior to the deadline.
All international students are required to carry insurance and are automatically enrolled in the College’s Student Health Insurance Plan. the insurance charge is added to the student’s tuition bill. International students do not have the option to waive coverage.
Voluntary Students: Part-time, non-degree and graduate domestic students carrying a minimum of six (6) credit hours are are eligible to enroll in the Student Health Plan voluntarily. Enrolment and payment must be submitted prior to the posted deadline.
Student Health Insurance Policy Period, Rates and Deadlines:
| Policy Period | Insurance Fee* | Waiver/Enrollment Deadline | |
| Annual | 08/15/25–08/14/26 | $1,320 | 9/22/2025 |
| Fall | 08/15/25–01/14/26 | $660 | 9/22/2025 |
| Spring | 01/15/26–08/14/26 | $660 | 2/23/2026 |
Rates above are estimated costs. Final rates are subject to State Approval and are subject to change.
WAIVER PROCESS
Mandatory students (see description above) who have comprehensive coverage under another health insurance plan may opt-out of the Rhode Island College SHIP by completing the waiver form by the deadline. The waiver form is 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 behavioral health providers in the Rhode Island 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.
- Out-of-state Medicaid and many out-of-state HMO or EPO plans do not provide out-of-network coverage. Urgent and/or emergency-only coverage does not provide comprehensive coverage in the area of the College.
Waiver Compliance:
Fall 2025- Failure to complete the online waiver form by the fall 2025 deadline, September 22, 2025, will result in your mandatory purchase of the College’s SHIP for the fall 2025 semester without the possibility of a late waiver, refund or cancellation.
Spring 2026- Failure to complete the online waiver form by the spring 2026 deadline, February 23, 2026, will result in your mandatory purchase of the College’s SHIP for the spring 2026 semester without the possibility of a late waiver, refund or cancellation.
ENROLLMENT PROCESS
International Students: Enrollment is mandatory for all International Students. All international students are automatically enrolled in the College’s Student Health Insurance Plan, and may not waive out of it.
Mandatory Students (see description above): Students charged for the SHIP on the tuition bill will be automatically enrolled in the Plan unless a waiver form is submitted by the deadline. To confirm enrollment and expedite its processing students are encouraged to submit the “Mandatory Student Enrollment Form” found under “Enrollment Form” in the navigation menu on the left side of this page. Students who do not submit the enrollment form will not be automatically enrolled in the SHIP until after the deadline.
Voluntary Students (see description above): Eligible students who are not charged the insurance fee on the tuition bill but would like to enroll in the SHIP must submit the “Voluntary Student Enrollment Form” under “Enrollment Form” in the navigation menu on the left side of this page by the enrollment deadline. The insurance fee is paid online during the enrollment process and cannot be added to the tuition bill. Enrollment will not be accepted after the deadline unless due to a qualifying life event (loss of other coverage).
Re-enrollment after waiving: If you have a life changing event (i.e. involuntary loss of coverage) and need to enroll in the insurance plan after waiving, please contact University Health Plans at 1-833-251-1148 or info@univhealthplans.com. Enrollment must occur within 60 days of the qualifying life event.
BENEFIT INFORMATION
While many of your health issues can be met by Rhode Island College Student Health Services there are times when outside specialists or additional consultation is warranted. At such times, the Student Health Insurance Plan sponsored by Rhode Island College provides coverage worldwide and allows students access to a nationwide network of Preferred Providers and Pharmacies.
For complete details on the policy, please click "Benefit Information" in the navigation menu on the left side of this page.
Information about available voluntary plans such as dental, vision, renters and dorm insurance is available in the navigation menu under “Optional Plans”.
