All Brown students (except those in fully online programs) are required to show proof of health insurance while enrolled at the University and all registered students (except those in fully online programs) are automatically enrolled in the University's Student Health Insurance Plan (SHIP).

In the 2023-2024 academic year, Brown transitioned to a new student health insurance broker, Haylor, Freyer & Coon (HF&C). 

Doctoral and MFA Students

As part of the funding guarantee, doctoral and MFA students receive health insurance coverage, including a dependent subsidy, and are automatically enrolled in SHIP.

SHIP Details

• Information on SHIP, including costs, coverage dates and FAQs can be found on the Student Health Insurance Plan website.
• If a student remains an active and enrolled student at Brown for over 31 days after they are enrolled in SHIP (through at least September 15), SHIP coverage typically cannot be canceled and the student will remain fully covered until the following August 14, even if they graduate or are otherwise no longer an active student.
• The plan offers spring-semester only coverage for students who matriculate in January
• The plan offers summer only coverage for students matriculating in the summer of and needing coverage before the 2023-2024 annual plan begins.
• All students enrolled in SHIP have the option of using a dental savings program or vision discount program which provide pre-negotiated discounts on services from participating area providers.

Waive Coverage

Students may waive SHIP coverage by presenting proof of adequate outside coverage. Find more information about waiving coverage below and on the Student Health Insurance Plan website.

Visit SHIP

Doctoral and MFA Student SHIP Waiver Buyout

Doctoral and MFA Students who receive health coverage through their financial support packages from the University and who opt to waive SHIP will receive a buyout of $400 ($200 for spring-semester coverage). This buyout will be distributed through the student account system. If students have a credit balance on their student account at the time the buyout is disbursed, they will be able to request a refund from Student Financial Services. If they do not have a credit balance at this time, the $400/$200 will be applied to their student account.

Visit SHIP

Student Financial Services

Students who choose coverage through both SHIP and an alternate plan should be aware that SHIP includes a "Coordination of Benefits" provision. Students should contact their other insurance company to inquire about a similar provision in that plan. "Double coverage" may affect the timely processing of claims between the two plans.

Enrollment for Online Students

Students enrolled in a fully online graduate program and residing in the United States can opt in to SHIP coverage and can enroll themselves through the HF&C website. 

Enroll

Recent Graduates

Recent graduates already insured through the Student Health Insurance Plan can opt to extend their insurance plans for up to 3 months. 

Questions

If you have any questions, please email studenthealthinsuranceplan@brown.edu or graduate_school@brown.edu.

Dependents of graduate students may be enrolled in SHIP at an additional cost. Eligible dependents include a legal spouse or domestic partner, children up to the age of 26, or a child born while the graduate student is covered by SHIP. A spouse or partner is generally expected to be living with the covered student in order to be eligible for coverage. Students submit documentation of marriage or domestic partner status through the HF&C website and will be contacted by HF&C if additional information is needed. 

Enrollment

Dependents can be enrolled during the annual open enrollment period (June 15 - September 1) or within 30 days of a qualifying life event. See the 2023-2024 Brown University Student Health Insurance Plan Summary Brochure for dependent coverage rates and visit the HF&C website to enroll dependents. Doctoral and MFA students who receive health coverage through their financial support packages from the University receive a 75% subsidy on the cost of enrolling dependents. 

Coverage for dependents enrolled during the open enrollment period will begin August 15. Coverage for dependents enrolled after a qualifying life event will begin upon processing of the premium payment.

Enroll

Enrollment Outside of the Annual Window

Qualifying life events that allow for enrollment outside of the annual window include:

• Birth of child (this allows for enrollment of the child - not a spouse)
• Loss of coverage under another insurance plan
• Marriage
• Divorce
• Spouse entering the U.S. for the first time

If you have a qualifying life event and would like to enroll a dependent outside of the annual window, please contact HF&C at student@haylor.com or 1-866-535-0456.
 

Questions

If you have any questions, please email studenthealthinsuranceplan@brown.edu or graduate_school@brown.edu. 

Brown University offers a voluntary Student Dental Insurance Plan through Delta Dental of Rhode Island. As part of the funding guarantee, doctoral and MFA students receive dental insurance coverage, including a dependent subsidy, and are automatically enrolled in the dental insurance plan. 

If you are a doctoral or MFA student and do not want to be automatically enrolled, please email graduate_school@brown.edu.

Dental Insurance Plan Details

• Information on SHIP, including costs, coverage dates and FAQs can be found on the Student Health Insurance Plan website.
• The deadline for students to voluntarily enroll themselves and their dependents is September 1.
• For students who matriculate in January, spring-only coverage is available from January 15 - August 14, 202. The enrollment portal will open from November 15 to February 1 for spring matriculants to enroll themselves and their dependents.

Enrollment

For students not automatically enrolled in the Student Dental Insurance Plan, view rates and benefits of the plan, and enroll using the portal on the HF&C website.

Enroll

Dependents of graduate students may be enrolled in Delta Dental coverage at an additional cost. Eligible dependents include a legal spouse or domestic partner, children up to the age of 26, or a child born while the graduate student is covered by the Delta Dental plan. A spouse or partner is generally expected to be living with the covered student in order to be eligible for coverage. Doctoral and MFA students who receive dental coverage through their financial support packages from the University receive a 75% subsidy on the annual premium cost of enrolling dependents. 

Enrollment

To enroll a dependent, use the enrollment portal on the HF&C website. The deadline to enroll dependents for annual coverage is September 1.

Enroll

Brown University offers a voluntary Student Vision Insurance Plan through Delta Vision of Rhode Island. As part of the funding guarantee, doctoral and MFA students receive vision insurance coverage, but must voluntarily enroll themselves in the plan. 

Vision Insurance Plan Details

• Information on SHIP, including costs, coverage dates and FAQs can be found on the Student Health Insurance Plan website.
• The deadline for students to voluntarily enroll themselves and dependents in annual coverage is September 1.
• For students who matriculate in January, spring-only coverage is available from January 15 - August 14. The enrollment portal will open from November 15 to February 1 for spring matriculants to enroll themselves and their dependents.

Enrollment

Students, including doctoral and MFA students, wishing to opt in to Delta Vision coverage can enroll themselves and dependents through the enrollment portal on the HF&C website.

Enroll

Dependents of graduate students may be enrolled in Delta Vision coverage at an additional cost. Eligible dependents include a legal spouse or domestic partner, children up to the age of 26, or a child born while the graduate student is covered by the Delta Vision plan. A spouse or partner is generally expected to be living with the covered student in order to be eligible for coverage. 

Enrollment

To enroll a dependent, use the enrollment portal on the HF&C website. The deadline to enroll dependents for annual coverage is September 1.

Enroll

Make a 30-minute appointment with Erika Lorange, Assistant Director of Student Health Insurance Operations, to help answer questions about health insurance, such as a bill you are not sure you should pay or if a particular service is covered.

Meet via Google Meet Video Conference.