Rhode Island College

STUDENT HEALTH INSURANCE PLAN
2022-2023 Policy Year
 

Rhode Island College is pleased to present you with information about our 2022-2023 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.

Plan Network Change effective August 15, 2022: Please note that the PPO network has changed from PHCS to Cigna for the 22/23 Plan Year commencing August 15, 2022.  This change will provide students with access to the high number of providers who participate in the Cigna Network.  The updated Provider Search link can be accessed in the menu to the left hand side of this page. Make sure you use your 2022/2023 Insurance ID Card when making an appointment with a participating provider.  ID Cards can be downloaded by creating an account with Wellfleet Student via the link available on the left hand side of this page.   

Plan Benefit Changes effective August 15, 2022: The $15 In and Out of Network Copay has been removed for Laboratory Procedures. The coinsurance has changed from 80% In-Network/80% Out-of-Network to 85% In-Network and 75% Out-of-Network.

ELIGIBILITY

Mandatory Students: All undergraduate degree students pre-registered for nine (9) or more credit hours at the end of the initial billing periods for each semester, Fall (July 8, 2022) and Spring (December 8, 2022), are automatically billed the per semester insurance fee on the tuition bill and will be enrolled in the SHIP unless a waiver form is submitted by the deadline. Important Note: If you are charged the insurance fee and you drop below 9 credits after the initial billing period 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 enroll in the Student Health Insurance Plan and may not waive out of it. The insurance fee will be charged to the tuition bill and students will automatically be enrolled.

Voluntary Students: Undergraduate students who become registered for 9 or more credits AFTER the initial fall or spring tuition billing are not automatically charged the insurance fee but are eligible to enroll voluntarily. Part-time undergraduate, non-degree and graduate students carrying a minimum of six (6) credit hours are eligible to enroll in the plan voluntarily.

Student Health Insurance Policy Period, Rates and Deadlines:

	Policy Period	Insurance Fee*	Waiver/Enrollment Deadline
Annual	08/15/22–08/14/23	$1,238	9/22/2022
Fall	08/15/22–01/14/23	$619	9/22/2022
Spring	01/15/23–08/14/23	$619	2/22/2023

 

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:

1. Your plan must provide access to doctors, specialists, hospitals, labs, pharmacies, and behavioral health providers in the Rhode Island College campus area. 
2. The policy must be a US health insurance plan that is filed and approved in the US and ACA (Affordable Care Act) compliant. 
3. 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 2022 - Failure to complete the online waiver form by the fall 2022 deadline, September 22, 2022, will result in your mandatory purchase of the College’s SHIP for the fall 2022 semester without the possibility of a late waiver, refund or cancellation.

Spring 2023 - Failure to complete the online waiver form by the spring 2023 deadline, February 22, 2023, will result in your mandatory purchase of the College’s SHIP for the spring 2023 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. The 2022-2023 policy year Summary of Benefits will be available in mid-July.

Information about available voluntary plans such as dental, vision, renters and dorm insurance is available in the navigation menu under “Optional Plans”.